Shriram Bike Insurance helps riders protect their motorcycles and scooters against unexpected expenses arising from accidents, theft, natural disasters, and third-party liabilities. With over 60 lakh customers and a strong focus on digital convenience, Shriram General Insurance offers a seamless experience for buying, renewing, and managing bike insurance online. Policyholders can choose from third-party, own damage, and comprehensive plans while benefiting from 24x7 claim notifications, paperless policy servicing, and customisable coverage options.
This general insurance company offers valuable features that help customers protect their two-wheelers with ease and peace of mind.
| Policy Types | Third-Party, Standalone Own Damage, and Comprehensive Bike Insurance |
| Customer Base | Over 60 lakh happy customers |
| Claim Assistance | 24x7 claim notification support |
| Personal Accident Cover | Up to ₹15 lakh owner-driver cover |
| Network Garages | 2,000+ cashless garages across India |
| Add-On Covers | Zero Depreciation Cover, Roadside Assistance Cover, and Engine Protection Cover |
| Roadside Assistance | 24x7 roadside assistance available with applicable add-on cover |
| Claim Registration | Available online, via MySGI App, and through customer support helplines |
| Customer Support | 24x7 assistance for policy and claim-related queries |
Shriram General insurance company allows customers to purchase, renew, and manage their bike insurance policies online through a streamlined digital process, reducing paperwork and saving time.
The insurer focuses on keeping the claim process simple and accessible, supported by 24x7 claim notification services and customer assistance.
From road accidents and theft to floods, storms, and vandalism, Shriram Bike Insurance helps riders stay protected against a wide range of risks commonly faced on Indian roads.
Whether you need only the mandatory third-party cover or broader protection through a comprehensive policy, Shriram offers multiple coverage options to suit different budgets and requirements.
With more than 60 lakh customers and zero pending complaints highlighted by the insurer, Shriram has established itself as a recognised player in India's general insurance sector.
If you are looking to meet the legal requirement of insuring your bike, a Third-Party Bike Insurance Policy provides coverage against liabilities arising from injury, death, or property damage caused to a third party.
This policy focuses exclusively on protecting your insured bike. It covers repair or replacement expenses arising from accidents, theft, fire, natural calamities, and other covered events.
A Comprehensive Bike Insurance Policy combines third-party liability protection with own-damage coverage, offering broader financial protection for both the rider and the vehicle. Customers can also enhance the policy with add-on covers.
Shriram Bike Insurance covers repair expenses arising from accidents and collisions that damage the insured two-wheeler. This helps reduce the financial burden of unexpected repairs after an accident.
Damages caused by floods, cyclones, earthquakes, storms, and other natural disasters are covered under eligible own-damage and comprehensive bike insurance plans.
The policy provides coverage for losses arising from accidental fire, self-ignition, explosions, and similar incidents that may damage the insured vehicle.
If the insured bike is stolen and cannot be recovered, the policy provides compensation as per the applicable policy terms and conditions.
The policy covers legal liabilities arising from injury, death, or property damage caused to a third party by the insured two-wheeler. This coverage is mandatory under Indian motor insurance regulations.
Personal Accident Cover provides financial assistance in case the owner-driver suffers accidental injuries, disability, or death due to a road accident.
Routine ageing of parts and gradual deterioration due to regular usage are not covered under the policy.
Repairs arising solely due to mechanical failure or electrical malfunction are generally excluded unless specifically covered through an add-on.
Any damage resulting from continued use of a damaged vehicle or delayed repairs is not covered.
Claims may be rejected if the insured vehicle was being ridden without a valid driving licence at the time of the incident.
Damages occurring while riding under the influence of alcohol, narcotics, or prohibited substances are excluded from coverage.
The policy does not cover losses arising from racing, speed trials, stunt riding, or other unauthorised activities.
Claims arising due to illegal usage, policy violations, or circumstances specifically excluded under the policy wording will not be admissible.
This add-on reduces the impact of depreciation on replaced parts during claim settlement, helping policyholders receive a higher claim amount.
Roadside Assistance offers emergency help during vehicle breakdowns and may include services such as towing, battery support, fuel assistance, and minor on-site repairs.
Engine Protection Cover provides financial protection against engine damage caused by water ingress, lubricant leakage, and related risks that are generally excluded under standard policies.
This add-on helps policyholders retain accumulated No Claim Bonus benefits under specified claim scenarios, subject to policy terms.
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
To purchase Shriram bike insurance online, visit Coverfox:
Step 1
Enter your bike registration number or select your bike's make, model, and variant.
Step 2
Provide basic details such as registration year, previous insurer, and policy expiry date.
Step 3
Compare Shriram Bike Insurance plans with policies offered by other leading insurers.
Step 4
Select the coverage type, choose the preferred IDV, and add suitable add-on covers.
Step 5
Review the premium, coverage benefits, and policy details before proceeding.
Step 6
Complete the payment securely through Coverfox's online payment platform.
Step 7
Receive your Shriram Bike Insurance policy instantly on your registered email address.
1800 300 30000 / 1800 103 3009
Available 24x7
Customer assistance, grievance support, branch locator, and cashless garage information.
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
You can buy Shriram Bike Insurance online through Coverfox by entering your bike details, comparing plans, selecting suitable coverage and add-ons, and completing the payment process. The policy document is issued instantly after successful payment.
You can renew your Shriram bike insurance policy online by entering your policy or vehicle details, reviewing the coverage, updating add-ons if required, and paying the renewal premium.
You can check your policy status through Shriram General Insurance's online portal by entering your policy number, vehicle registration number, or other required details.
You can download your policy document from the insurer's website by accessing the policy download section and providing your policy details.
Yes. The No Claim Bonus belongs to the policyholder and can be transferred from your previous insurer to Shriram General Insurance when purchasing or renewing your bike insurance policy.
Policyholders can earn a No Claim Bonus of up to 50% on the own-damage premium after maintaining consecutive claim-free policy years, as per applicable guidelines.
The Insured Declared Value (IDV) is calculated based on the bike's current market value after considering age-based depreciation. It represents the maximum amount payable in case of total loss or theft.
Yes. Within the limits allowed by the insurer, policyholders can choose a higher or lower IDV, which may affect both the premium and claim amount.
Shriram offers add-ons such as Zero Depreciation Cover, Roadside Assistance Cover, and Engine Protection Cover to enhance the scope of coverage.
Yes. Personal Accident Cover for the owner-driver is mandatory as per prevailing IRDAI regulations unless the policyholder already holds a valid standalone Personal Accident policy.
Yes. Shriram offers Standalone Own Damage Bike Insurance for customers who already have a valid third-party bike insurance policy.
Yes. Comprehensive and own-damage bike insurance policies provide coverage against theft of the insured bike, subject to policy terms and conditions.
Yes. The policy covers damages caused by natural disasters such as floods, cyclones, storms, earthquakes, and other covered natural calamities.
Yes. Shriram Bike Insurance is available for both new and used bikes, provided the vehicle meets the insurer's eligibility requirements.
If your policy expires, your bike remains uninsured and you may lose accumulated benefits such as No Claim Bonus if renewal is delayed beyond the permitted period.
Yes. Digital copies stored on your mobile phone or DigiLocker are generally accepted by traffic authorities as valid proof of insurance.
You can obtain a duplicate policy copy by downloading it from the insurer's website or by contacting customer support for assistance.
Yes. Policyholders can request endorsements to update information such as contact details, vehicle information, nominee details, or coverage modifications.
Commonly required documents include the vehicle registration certificate (RC), previous insurance policy details, identity proof, address proof, and vehicle information.
Policy cancellation requests can be submitted to the insurer along with the required documents. Cancellation is subject to policy terms, conditions, and applicable refund rules.
You can contact Shriram General Insurance customer support by calling 1800 300 30000 or 1800 103 3009 for policy servicing, claim assistance, and general queries.
Yes. Shriram General Insurance offers cashless repair facilities through its authorised network garage partners, subject to policy coverage and claim approval.
You can locate the nearest network garage through Shriram General Insurance's website or by contacting customer support for assistance.
The premium depends on factors such as the bike's make and model, age, IDV, geographical location, coverage type, add-on covers, and No Claim Bonus eligibility.
Yes. Both vehicle ownership and the bike insurance policy can be transferred to the new owner by completing the required documentation and insurer formalities.
