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Standalone OD Car Insurance Overview

Having the correct insurance coverage for your car is crucial because it is not only a means of transportation but also a valuable asset. To protect your investment and experience peace of mind, it is important to have Standalone Own Damage Car Insurance. This type of insurance offers dedicated protection for your vehicle, ensuring that you are financially secure during unexpected situations.

Standalone OD Car Insurance Overview

What is Standalone Own Damage Car Insurance

What is Standalone Own Damage Car Insurance

Standalone Own Damage Car Insurance is a specialised policy that focuses solely on providing coverage for damages to your vehicle. While Comprehensive Car Insurance policies include Third-Party (TP) and Own Damage coverage, a standalone OD policy is dedicated to safeguarding your car.

This coverage is essential to protect your financial interests when your vehicle incurs damages due to accidents, theft, natural calamities, fire, strike/riot, man-made disasters, or theft.

Key Features of Shriram OD Car Insurance

Shriram's Standalone Own Damage Car Insurance offers a range of key features that ensure your vehicle is comprehensively protected

Quick Claims Processing

Quick Claims Processing

Shriram Car Insurance is known for its efficient claims processing. In the event of a claim, you can expect a hassle-free experience, ensuring that you get back on the road as quickly as possible.

Premium Flexibility

Premium Flexibility

Shriram OD Car Insurance allows you to choose your Standalone Own Damage Car Insurance premium that suits your budget while still offering robust coverage . It allows you to tailor your policy to your specific needs.

Focused Coverage

Focused Coverage

Unlike comprehensive insurance policies that include a wider range of coverage, the standalone OD policy is entirely dedicated to protecting your vehicle from damages caused by various unforeseen events.

Benefits of Shriram OD Car Insurance

Securing a Shriram Standalone Own Damage Car Insurance policy offers a multitude of benefits , including

  • Comprehensive Protection:
    You get complete coverage for your vehicle, ensuring that you are financially protected in case of accidents, theft, natural calamities, fire, strike/riot, man-made disasters, or theft.
  • Financial Security:
    With Standalone OD Policy, you can drive with peace of mind, knowing you are prepared for any unexpected incidents. The policy provides financial security in case of significant vehicle damage, reducing the financial burden on your shoulders.
Benefits of Shriram OD Car Insurance

Add-ons for OD Car Insurance

Shriram’s Standalone Own Damage Car Insurance offers various add-on covers to enhance your policy. These add-ons provide additional layers of protection and cater to specific needs. Here are the available add-on covers

Depreciation Waiver

Depreciation Waiver

The Depreciation Waiver Cover ensures that you can claim the full cost of replacing vehicle parts without any deductions for depreciation. This is particularly valuable for newer vehicles with parts that have not yet depreciated significantly.

Daily Reimbursement

Daily Reimbursement

If your vehicle is under repair, the Daily Reimbursement add-on covers the cost of using a private vehicle while your car is being repaired. This ensures that your daily life is minimally disrupted in event of policy-covered car repairs.

Motor Protection Cover

Motor Protection Cover

The Motor Protection Cover provides legal support in case of motor accidents, guiding you through police and judicial magistrate proceedings. This add-on ensures that you have professional assistance in navigating the legal complexities of an accident.

Personal Belongings

Personal Belongings

If you lose personal belongings from your locked vehicle, including car accessories, the Personal Belongings add-on ensures that you receive compensation for the items that may be lost or stolen from your car.

How to Buy Own Damage Car Insurance Online

How to Buy Own Damage Car Insurance Online

Purchasing Shriram Standalone Own Damage Car Insurance online is a straightforward and convenient process. You can secure your policy with just a few clicks, providing you with coverage and peace of mind. Buying car insurance online allows you to review policy details, compare coverage options, and make an informed decision from the comfort of your home. Here are the steps to buy Own Damage Car Insurance online

  • Step 01

    Visit the official Shriram General Insurance website.

  • Step 02

    Select the "Car Insurance" option.

  • Step 03

    Choose "Standalone Own Damage Car Insurance."

  • Step 04

    Fill in the required information, including your car's details, personal information, and coverage preferences.

  • Step 05

    Review the policy details, premium amount, and coverage inclusions.

  • Step 06

    Make the online payment to purchase the policy.

  • Step 07

    Once the payment is processed, you will receive the policy document in your email.

Coverage Options for Standalone Own Damage Car Insurance

Shriram's Standalone Own Damage Car Insurance provides comprehensive coverage for the following incidents

01

Accidents

Whether a minor collision or a major accident, your policy covers your vehicle's repair or replacement costs.

02

Fire

In the unfortunate event of a fire, your Own Damage Cover provides financial assistance for the restoration of your vehicle.

03

Strike/Riot

Damage caused by strikes or riots is also covered, ensuring that you have the necessary protection in case your vehicle is affected by civil unrest.

04

Man-made Disasters

A standalone Own Damage Car Insurance Policy shields you from the financial repercussions of damages caused by man-made disasters.

05

Natural Calamities

Natural calamities like floods, earthquakes, and storms can result in significant vehicle damage. Your policy is designed to cover these situations, providing you with the support you need during challenging times.

06

Theft

In the unfortunate event of theft, your insurance policy ensures that you receive compensation for your loss.

How to File a Claim for an Own Damage Car Insurance?

In the event of a claim, Shriram’s Car Insurance provides a straightforward and efficient process to ensure that your needs are met promptly. Here's how to claim car insurance for Own Damage

Step 01
Contact us

Contact us

In case of an accident or any incident requiring a claim, contact us as soon as possible. You can contact us through our helpline or visit their nearest branch for assistance.

Step 02
Submit Required Documents

Submit Required Documents

Shriram Car Insurance will guide you on the documents required for the claim . Ensure you promptly provide all necessary documents to facilitate a smooth claims process. The documents must include details pertaining to engine and chassis number, the last 6-digits of the Vehicle Identification Number (VIN), FIR, description and location of the accident, car inspection address, vehicle's kilometre reading, and the accident date and time.

Step 03
Claim Inspection

Claim Inspection

In some cases, ​we may arrange for an inspection of the damage ​​on spot to assess the applicable claim. This step is vital to determine the extent of the damage and the validity of the claim.

Step 04
Claims Settlement

Claims Settlement

Once all necessary information and documents are verified, the claims settlement process begins. You can contact Shriram General Insurance today to claim your Standalone Own Damage Car Insurance.

Frequently Asked Questions

s the Standalone OD Car Insurance premium significantly different from Comprehensive Car Insurance?

The premium for Standalone OD Car Insurance is generally lower than that of Comprehensive Car Insurance because it covers only damages to your vehicle. However, the premium may vary based on your car's make and model, location, and driving history.

Can I include add-on covers with Standalone OD Car Insurance?

You can enhance your Standalone OD Car Insurance policy by adding add-on covers such as Depreciation Waiver Cover, Roadside Assistance, or Engine Protection.

Do I need Standalone OD Car Insurance if I have a new car covered by the manufacturer's warranty?

Yes, even if your new car is under a manufacturer's warranty, accidents, theft, or damages due to natural disasters are not usually covered by the warranty. Standalone OD Car Insurance offers protection for these unforeseen events, ensuring you're not left with repair or replacement expenses.

What distinguishes Shriram General Insurance from other insurers?

Shriram General Insurance's exceptional commitment to customer satisfaction, swift claims resolution, and extensive insurance offerings set it apart in the insurance industry.

Is it possible to access assistance and information from Shriram General Insurance through their online platform?

Shriram General Insurance extends comprehensive online support to meet the needs of its customers. You can view our offerings or get in touch with us via our website/mobile app.

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