Shriram Car Insurance

Shriram Car Insurance is offered by Shriram General Insurance Company Limited, a trusted insurer known for affordable and customer-friendly motor insurance solutions. It offers comprehensive car insurance and third-party car insurance plans to protect against accidents, theft, natural disasters, and third-party liabilities. Shriram Car Insurance features competitive premium rates, customizable add-ons like zero depreciation and engine protection, and access to a wide cashless garage network. Customers can easily buy or renew car insurance online with instant quotes and quick policy issuance. With over 4.62 crore policies issued across its portfolio, the company reflects strong market presence, reliability, and customer trust across India.

Shriram Car Insurance is offered by Shriram General Insurance Company Limited (IRDAI Reg no. 137), which was established in 2006 as a joint venture between Shriram Capital Ltd. and Sanlam Group of South Africa. Backed by the strong legacy of the Shriram Group, the insurer has built a solid presence in India’s motor insurance space with a focus on affordability and customer-first service. Shriram General Insurance has received industry recognition, such as the “Best Claim Settlement Award for the year 2022” for its performance and service excellence in the non-life insurance segment.

Shriram Car Insurance offers a range of customer-friendly features designed to provide fast claims, seamless digital processes, and comprehensive coverage for your vehicle.

Shriram General Insurance offers the following Shriram car insurance policy options for private car owners in India:

1. Shriram Third-Party Car Insurance Policy:

Covers legal liabilities arising from injury, death, or property damage caused to a third party, as mandated under the Motor Vehicles Act.

2. Shriram Standalone Own Damage Car Insurance Policy:

Provides coverage for damage to the insured car due to accidents, fire, theft, natural calamities, and man-made disasters, without third-party liability cover.

3. Shriram Comprehensive Car Insurance Policy:

Offers complete protection by combining third-party liability cover with own damage insurance, along with the option to enhance coverage through add-on covers.

Shriram Online Car Insurance is designed to make car protection simple, affordable, and stress-free, with a strong focus on digital convenience and customer support.

• Budget-friendly coverage:

Competitively priced policies that deliver wide protection without compromising on benefits.

• Paperless experience:

End-to-end digital journey with minimal documentation for quick purchase and renewal.

• Hassle-free claims:

Easy online claim filing and tracking through digital platforms, ensuring faster settlements.

• Reliable support:

Dedicated customer assistance for policy, renewal, and claims whenever you need it.

Shriram Car Insurance offers well-rounded protection for private car owners, while clearly defining situations that fall outside the policy scope.

What is Covered under Shriram car insurance

• Accidental damage to your car due to collisions, overturning, or impact, as covered under Shriram car insurance

• Loss or damage to the insured vehicle due to theft or total loss under a valid Shriram car insurance policy

• Protection against natural calamities such as floods, earthquakes, cyclones, storms, and landslides

• Coverage for fire, explosions, riots, strikes, vandalism, and other man-made incidents

• Third-party legal liability cover for injury, death, or property damage caused to others

• Mandatory personal accident cover for the owner-driver, with optional extensions available

What is not covered under Shriram car insurance

• Normal wear and tear, ageing of parts, and depreciation are not payable under Shriram car insurance

• Mechanical or electrical breakdowns, unless caused by an insured accident

• Claims arising when the car is driven without a valid licence or in violation of policy terms

• Damage caused while driving under the influence of alcohol or drugs

• Consequential losses, such as loss of use, delays, or indirect financial loss

• Losses arising due to unapproved modifications or after the Shriram car insurance policy has expired

Shriram car insurance offers a wide range of add-on covers that allow you to enhance your policy with extra protection beyond standard coverage.

• Zero Depreciation Cover

• Engine Protection Cover

• Return to Invoice Cover

• Roadside Assistance Cover

• Key Replacement Cover

• Tyre Protection Cover

• Personal Accident Cover for Passengers

• No Claim Bonus Protection Cover

Shriram car insurance comes with access to a wide network of cashless garages across India, with around 2,640+ authorised repair centres empanelled to provide hassle-free, cashless repair services when your vehicle is damaged.

To find a Shriram cashless garage near you, visit the official locator page at https://www.shriramgi.com/cashless-garages and enter your State and City. This tool displays the nearest network garages where Shriram General Insurance will directly settle the repair bill with the garage, reducing your upfront out-of-pocket expenses (you may only need to pay applicable deductibles).

Toll-free helpline: 1800-300-30000 (for policyholders, 4 AM–12 AM) and 1800-103-3009 (general support, 9:30 AM–5:30 PM) for help with policy queries, claims, renewals, and assistance.

Email for claim support: chd@shriramgi.com — use this to report car insurance claims or get help with documentation and process.

Grievance & general support email: gro@shriramgi.com for escalation and unresolved issues.

Registered office address: Shriram General Insurance Co. Ltd., E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur – 302022, Rajasthan, India.

Fax numbers: 0141-2770692, 0141-2770693 for official correspondence.