Choose Shriram Car Insurance just like you chose your car

Car Insurance from Shriram

While owning a car is everyone’s dream, mainlining it is yet another ballgame altogether. Hence, it’s is imperative to choose a car insurance plan that protects your car against all damages without burning a hole in your pocket. Shriram General Insurance offers car insurance plans where owners can get up to 50% no claim bonus, even if the car insurance is taken by another insurance provider. Moreover, with a cashless claim network, attractive discounts and interesting add on features, this company provides some of the best benefits in the car insurance space.

Reasons for choosing Shriram Car Insurance

Owning a car is something everyone longs for but, keeping it safe is also a task. Many people like to own a car due for their comfort, convenience and various other factors. Ensuring protection to your car from thefts and accidents in such a scenario becomes important. The law in India has thus, made it compulsory for all car owners to have an insurance for their vehicle. The policy protects the vehicle from accidents and thefts and various other calamities, be it natural or manmade. Having an insurance policy with an extensive coverage for your car is highly recommended. Let's find out some of the important reasons to insure your car with Shriram Car Insurance:

  • Offers up to 50% No claim bonus, even if you have a car insurance with any other insurance provider
  • Offers 24*7 claim assistance and customer service
  • Offers higher and best coverage at an affordable premium rate
  • Offers online facilities to buy and renew car insurance at the comfort of your home, office etc.
  • Offers speedy and hassle-free claim settlement process
  • Offers a wide network of hassle-free cashless claim services at convenient and preferred network garages
  • Provides complete peace of mind through stress-free rides

Key Benefits – Shriram Car Insurance

  • Cashless claim network: This company has more than 2000 cashless network garages
  • Discounts: Offers up to 40% discount on your car insurance premiums if you opt for higher voluntary excess
  • Accidental Cover: Offers 1% of the sum assured from the end of the accident month guaranteed either for next 10 years or till the end of the rider term whatever is higher
  • Add-ons: This Company offers essential add-ons for your car at an affordable costs. These add-ons enhance your basic car insurance. They are bi-fuel system, electrical & electronic accessories, personal accident etc. to name a few
  • Portability: This company offers flexibility to port your existing No claim bonus to any other insurer
  • Claim settlement: Offers quick and hassle-free claim settlement services

Shriram Private Car Insurance Coverage

When buying an insurance policy for your car, you need to take into account several factors and most importantly your needs and requirements. There are many policies available today, and thus, choosing the right one can be a tough decision. A wrong decision can lead to many problems later on, and thus, being careful is essential.

Let's see what Shriram Car Insurance offers:

Third- Party liability insurance

  • This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property
  • This plan also includes the personal accident coverage for the owner-driver as well
  • Unlimited coverage is provided for death or injury of third party while up to Rs.7.5 Lakh are covered for property damage

Comprehensive Coverage (Own Damage) This is the comprehensive policy by Shriram Car Insurance and covers a wide range of scenarios. In addition to the third party coverage, this package plan also covers the insured car and its owner from the following damages caused by:

  • Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
  • Landslides and rockslides
  • Earthquake (both shock and Fire)
  • Fire, self-ignition, lighting or explosion
  • Terrorist and Malicious activities
  • Strikes and Riots
  • House breaking, burglary and theft of car

Personal Accident Cover

  • In traumatic and unforeseen situations like an accident, having a personal accident insurance would act like an income replacement
  • The personal accident cover is available from the amount ranging from Rs.10, 000 to Rs.2 lakh maximum (in the multiples of Rs.10, 000)

Add-on Features – Shriram Car Insurance

Apart from the regular coverage, some additional coverage could be included in the plan with some extra premium. These add-ons enhance your basic car insurance plan. Below is the list of the add-ons offered by Shriram Car Insurance:

Passenger Cover: This type of add-on cover safeguards the passengers travelling in the car financially against death or disability due to an accident. This cover ranges from as low as Rs.10, 000 and can go higher up to Rs.2 lakh ((in the multiples of Rs.10, 000). Therefore, the payout differs as per the nature and intensity of the injury

Bi-Fuel System (CNG/LPG Kit): This is a very useful add-on. Here, your fuel system i.e. CNG/LPG is covered.

No Claim Bonus Protection: Your cautious driving earns you a 20% to 50% No Claim Bonus on your own-damage premium for every successful claim free year. However once you claim, discounts will be reset to zero. This add-on assists you by retaining your discounts even if you tend to make some smaller claims as per the policy terms

Electrical & Electronic Accessories: This type of add-on covers all the electrical and electronic accessories of your car. This may include, music system, LCD mini TV, fog lights, seat covers etc.

Exclusions – Shriram Car Insurance

The claims would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process – Shriram Car Insurance

Contact Details of Shriram Car Insurance

Toll Free: 1800-300-30000

Toll Free: 1800-103-3009

E-mail ID: chd@shriramgi.com Shriram General Insurance Co. Ltd. (In partnership with Sanlam, South Africa) E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur - 302022 (Raj.)

Toll free: 1800-300-30000, Fax: 0141-2770692, 2770693

Step-by-step claim process is mentioned below

1. Claim Intimation:

  • Immediately contact Shriram Car Insurance on their toll-free number or by visiting their nearest branch office.
  • Download the claim intimation sheet, fill it and send it across to the Help Desk of Shriram Car Insurance
  • You may mail the copy on chd@shriramgi.com
  • Make sure that below details are ready with you at the time of claim Intimation.
    • Policy no. / Proposal no.
    • Date & time of Accident.
    • Survey location, where your car can be surveyed
    • Estimated loss
    • Driver name, contact no. along with driving licence details.
    • Contact details of the insured

2. Acknowledgment

  • The customer support team of Shriram Car Insurance will accept the claim intimation and later provide you the claim reference no.

3. Inspection

  • You would receive a SMS for the confirmation of the same along with the surveyor’s details. This is done only once the claim is registered and loss assessor gets deputed. The survey time would be intimated by the surveyor to conduct the survey accordingly. Kindly handover the document list mentioned below for a smooth claim settlement.

4. Re-inspection

In case of re-inspection advised by the surveyor, intimate Shriram Car Insurance customer desk for the timing of the re-inspection.

  • Documents required:
  • Driving License
  • Police FIR (If any)
  • Fitness Certificate (Commercial Vehicle Only)
  • Motor Insurance policy with schedule and endorsement / clause.
  • Claim form (signed by Insured).
  • Registration Certificate.

Review - Shriram Car Insurance

The Shriram Car Insurance offers a good range of coverage and there is option for add-on benefits to customize the requirements of the insured. These along with the clear cut direction of claim process makes it the right choice for car insurance. This Company ensures 24*7 customer support and an excellent claim settlement process too. Their excellent inspection team offers you high service standards.

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