Save up to 90%* on your
Car Insurance
Drive safe and be rest assured

Comprehensive, Affordable and Reliable Motor Insurance at your fingertips

Car
Bike

24*7 Claim Notifications

Almost 100% Paperless

Best Claim settlement Awards 2022

Overview
Features And Benefits
Third-Party Motor Insurance
Comprehensive Motor Insurance
Calculate Premium
Save On Premium
Renewal Benefits
IDV
NCB
Zero Depreciation
Deductibles
Types of Shriram Motor Insurance
Coverages
Compare Plan
Premium Components
Eligibility and Required Documents
Buy / Renew
Claim Process
Terminologies
Policy Download
FAQs

Shriram Motor Insurance

Shriram Motor Insurance policy has three types of insurance plans. They are Comprehensive, Standalone Own Damage (OD) and Third-Party (TP) insurance policies, depending on the scope of the coverage

Types of Shriram Motor Insurance

Comprehensive Motor Insurance

A Comprehensive Motor Insurance policy is the most preferred motor insurance coverage option. It provides the benefits of Third-Party (TP) coverage (coverage against third-party liabilities) and Own Damage coverage (covers damage/losses incurred to the insured and their vehicle). It also covers accidents, fire, natural disasters, man-made disasters (riots/strikes) and theft of the insured vehicle. With the Comprehensive Motor Insurance policy, Compulsory Personal Accident (CPA) cover of Rs. 15,00,000/- will always be included at an affordable premium

Coverage includes:

- Third-Party Injury or Death
- Accidental Damages
- Fire
- Strike/Riot
- Man-made Disasters
- Third-Party Vehicle Damages
- Natural Calamities
- Theft
- Add-ons*

Standalone Own Damage Motor Insurance

Standalone Own Damage (OD) motor insurance policy aids in protecting your vehicle from damages caused by unforeseen mishaps like accidents, theft, natural and man-made disasters. An OD insurance policy does not cover any third-party liabilities. Having an Own Damage motor insurance policy act as a safety shield for the insured vehicle. One can purchase Own Damage cover along with Compulsory Third-Party insurance and personal accident cover for an extensive protection

Coverage includes:

- Accidental Damages
- Fire
- Strike/Riot
- Man-made Disasters
- Natural Calamities
- Theft
- Add-ons*

Third-Party Liability Motor Insurance

In India, Third-Party (TP) Motor Insurance is mandatory by law. A Third-Party (TP) liability motor insurance policy protects the insured against third-party liabilities. The policy provides coverage if your vehicle damages another person's vehicle/property or causes injury/death to a third-party vehicle owner. If your vehicle causes “third-party” property damage, Shriram General Insurance Company will offer compensation up to Rs. 1,00,000/- for two-wheelers and Rs. 7,50,000/- in the case of private cars. Unlimited third-party personal liability coverage will be provided, i.e. whatever the court awards as your liability to the third-party due to accidental death or injuries caused by your vehicle

Coverage includes

Third-Party Injury or Death
Third-Party Vehicle Damages

Shriram Motor Insurance Add-on Covers

Choose any add-on or all of them at an additional premium for your additional safety with Shriram Motor Insurance policy

Zero Depreciation Cover

In case of accidental damage, an insured can claim the total cost of replacing vehicle parts if he/she owns a Zero Depreciation cover. There will be no deduction for depreciation on damaged vehicle parts

Daily Reimbursement

Daily Reimbursement is an add-on cover that reimburses for using a private vehicle while their own vehicle is being repaired. The maximum reimbursement amount and time period are provided as per the motor insurance policy guidelines

Motor Protection

In case any motor accident arises out of the use of an insured vehicle, Shriram Motor Insurance policy will provide an advocate to guide or/and defend you from police and judicial magistrate proceedings only

Return to Invoice

Return to Invoice coverage allows an insured to receive compensation equal to the original invoice value of the vehicle (the vehicle's original purchase price), if the vehicle is stolen or suffers total loss

Personal Belongings

Personal belongings add-on cover helps with the loss of personal belongings from the locked vehicle, including vehicle accessories

Emergency Transport and Hotel Expenses

During a vehicle breakdown, if an insured gets stuck in a risk-prone area such as highways and needs immediate alternate transport or hotel expenses, Shriram Motor Insurance’s Emergency Transport and Hotel Expenses cover will provide the necessary assistance

Key Replacement

Keys are essential, but they might get misplaced or may be stolen at times. Here comes the Key Replacement add-on to save the insured at an additional cost

Frequently Asked Questions

What are the different add-on covers available in Shriram Motor Insurance policy?

Zero Depreciation
Motor Protection
Daily Reimbursement
Key Replacement
Return to Invoice
Emergency Transport and Hotel Expenses
Personal Belongings

What our customers say ?

4.6

1665+ Customer Ratings

View all

Mohammed Salahuddin

RAMKANT SHARMA

RAM ASREY RATNAKER

NAUSHAD AHAMAD

KUNCHAM NIKHIL KUMAR

Blogs

Timing is Everything: The Best Time to Buy a Car in India

Posted on 2024-11-22 12:23:01

Buying a car in India is a major life decision that involves thoughtful consideration, and is more than just a financial transaction. Discovering the best time to buy a car in India might significantly influence your financial decisions and planning, helping you save your hard-earned money. In this blog, we will look at all the factors that influence your car purchase, ensuring that you get the greatest deal and drive away happy with your decision.

How Safety Features Influence Car Insurance Premiums

Posted on 2024-11-22 06:14:12

In today's world of fast-evolving automobile technology, safety measures that enhance the protection of drivers and passengers have become essential. Investing in modern cars with technologies like adaptive cruise control, lane-keeping assistance, and anti-lock braking will not only improve your driving experience but also provide higher safety and lower risks. Did you know that some of these safety measures could lower your insurance premium? This blog explores how various safety features lower Car Insurance premiums and discusses the financial benefits of purchasing a safe vehicle.

Private vs Commercial Car Insurance: Which One Fits Your Needs?

Posted on 2024-11-21 11:35:07

Have you ever wondered why the insurance costs for a taxi differ significantly from those for your own private-use car? There is a significant difference between Private and Commercial Car Insurance. Car Insurance is more than simply safeguarding your car; it is also about selecting coverage that is customised to your specific driving requirements. When you understand the differences between these two types of insurance, you can make informed financial decisions that are suited to your car's individual needs and driving habits. This blog will help you understand the differences between Private and Commercial Car Insurance, acquire the right coverage, and effectively protect your investment.

View all

Motor in Indian Cities

Motor insurance in agra

Motor insurance in delhi

Motor insurance in coimbatore

Motor Insurance in Bangalore

Motor insurance in dehradun

Motorinsurance in jaipur

Motor Insurance in Indore

Motor insurance in ahmedabad

Motor insurance in pune

Motor insurance in gurgaon

Motor insurance in mumbai

Motor insurance in Bhopal

Your Recent Quote is here

Maruthi Wagan R

TN32TY6799

NCB Discount: 25 %

Benefits Covered

Premium Amount

₹ 1326 +GST

Generate a quick quote in seconds

Get a Quote

24x7 Claim
Notifications

Best Claim
Settlement Award

4.2

16938+ Customer Ratings

Quick renewal

IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Helpline Number

180030030000 18001033009

Save up to 90%* on your
Car Insurance
Drive safe and be rest assured

Comprehensive, Affordable and Reliable Motor Insurance at your fingertips