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Shriram General Insurance Company Limited

Shriram General Insurance is a group company of Shriram group. Until September 2012 it was a 74:26 joint venture between Shriram Capital Ltd. and Sanlam Limited (South Africa). The company aims to serve its products and make them available for common people or working class people in India.

Winner of Excellence Award for two back to back years 2011 & 2012

The need of having an insurance is growing day by day and Shriram General Insurance is making an effort to make their policies available at an affordable price. The company is giving special focus to the innovative products and application of latest IT developments in its operations.

Interesting Facts of Shriram General Insurance

  • Shriram group has been in business for last 3 decades
  • The company’s slogan is ‘Be Insured Rest Assured’
  • The company gives special attention to insurance products for Aam Admi
  • Fastest growing multiline general insurance company in India

Product Portfolio – Shriram General Insurance

Motor Insurance

Having a motor insurance is a mandatory requirement as per the Motor Vehicles Act, 1988. The government passed this act to protect people and victims of accident financially. Be it a private or commercial vehicle it is an asset that needs to be taken care and protected against unexpected financial loss and damage. Keeping this in mind, Shriram General Insurance has motor insurance for private and commercial use for vehicles.

Car Insurance Policy :Shriram car insurance offers insurance for new cars or simply if you want to renew your policy. The policy is available online and can be purchased in few easy steps. The car insurance offers comprehensive coverage against mandatory third party liability and also against losses caused due to natural and man-made calamities. To have more enhanced coverage you can avail various add-ons for an additional premium.

Two Wheeler Insurance : Shriram General Insurance has an exclusive Two Wheeler Insurance Policy for its valuable customers to insure new or old bike. The two wheeler insurance protects against financial loss and damage. It also frees one from the liability of the third party which is mandatory to insure as per Indian law. You can also avail nil depreciation protection for an additional premium.

Commercial Vehicle Insurance : Commercial vehicle is a big asset for any business. It is therefore important to preserve this asset by securing it against any unforeseen circumstances. Shriram General Insurance offers comprehensive commercial vehicle insurance policy which not only covers you against the mandatory third party liability but also against the losses caused due to fire, theft, explosion, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts and terrorist activities. Some of the key features of this policy are cashless garage facility, hassle free claim settlement and enhanced protection through unique add on covers.

Travel Insurance

Shriram Travel Insurance has been designed to suit the requirements for overseas travel for holiday or business purposes. The company offers three plans based on requirements of the individual.

Shri Travel : Shri Travel offers a coverage amount of USD 50,000. The entry age for this plans is 90 days to 65 years. It does not cover trip cancellation or travel delay.

Shri Travel Plus : Shri travel plus offers a coverage amount of USD 1, 00,000. The entry age for this plan is 90 days to 65 years. It gives USD 250 cover for trip cancellation & interruption or travel delay.

Shri Travel Elite : Shri Travel Elite offers a coverage amount of USD 2, 00,000. The entry age for this plan is 90 days to 65 years. It gives USD 250 cover for trip cancellation or travel delay.

Other Plans Offered by Shriram General Insurance

  • Home Insurance
  • Business Insurance
  • Personal Accident Insurance

Shriram General Insurance Claim Process

Shriram General Insurance being customer focused understands that it is stressful time for the customer when a claim needs to made to the company. Keeping this in mind the claim process has been made easy to understand and simple to follow.

Claim intimation for motor insurance can be done by filling the form on the website.

You can also call the claims help desk to intimate a claim on any of the following toll-free numbers.

Customer Help Desk

Toll Free: 1800-300-30000 (7 Days in week 4:00 AM to Midnight 12:00)

Toll Free: 1800-103-3009 (7 Days in week 9:30 am to 5:30 pm)

Claim Intimation process explained in few simple steps:

  • When making a claim ensure the following information is ready with you.

    • Policy no. / Proposal no.
    • Date & time of Accident.
    • Survey location, where vehicle can be surveyed by our loss assessor.
    • Estimated loss/ description.
    • Driver name and contact no. along with DL details.
    • Insured contact details.
  • You can also download the Claim Intimation sheet from the website and send it to help desk on (Email ID chd@shriramgi.com). The company representative will get back to you to guide you further.

  • Customer support team will make the claim intimation and provide you with a claim reference number.
  • Once claim is registered and loss assessor gets assigned, you will receive a text message for the confirmation along with surveyor details.
  • Surveyor will get in touch with you for the survey time and will conduct the survey accordingly. Please keep the required documents ready as suggested by assessor. (Please correlate the document list with vehicle type, severity of the accident and the requirement of the claim processing team in OD claim settlement)
  • Contact at our CHD /Surveyor when vehicle/property is ready for re-inspection, if a re-inspection was advised by surveyor.

Review of Shriram General Insurance

Shriram is a very customer focused company and its endeavor is to make insurance available for the common man at an affordable price. The policies are laid out in a simple manner to understand and the claim process is also reasonably simple to understand. With the tag of fastest growing multiline fastest growing general insurance company in India it insurance products will be a good choice.

Contact Details of Shriram General Insurance

Shriram General Insurance Co. Ltd

E-8, EPIP, RIICO Industrial Area,

Sitapura, Jaipur - 302022 (Raj.)

Customer Help Desk- Toll free: 1800-300-30000

Fax No: 0141-2770692, 2770693

FAQs on Shriram General Insurance

What Add-ons are available in Car Insurance Policy?

The following add-on covers are available in car insurance policy for extra premium:

  • Zero Depreciation Cover
  • Daily reimbursement
  • Return to Invoice
  • Personal belonging cover
  • Emergency transportation and hotel expenses reimbursement
  • Key replacement
  • NCB protection cover
  • Multi car rebate

What is the validity of my car insurance policy?

The validity of car insurance policy is normally for 12 months or as mentioned in the policy schedule.

Is there dental treatment cover in my travel insurance?

Yes, dental treatment cover of USD 250 is available in all the three variants of your travel insurance policy.

What are the exclusions of travel insurance policy?

For complete guide on exclusions of travel insurance policy please refer the policy documents. Some of the exclusions are mentioned below:

  • Travelling abroad for obtaining medical treatment
  • Breaking the law with criminal intent
  • Pregnancy, childbirth and its complications
  • Abuse of intoxicants including drugs and alcohol
  • Self-inflicted harm or attempted suicide
  • HIV/ AIDS or any other sexually transmitted diseases
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