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- Overview
- Coverages
- Key Features
- Terminologies
- Claim Process
- FAQs
What is Shriram All Risk Insurance?
Shriram All Risk Insurance policy broadly covers the policy holder against damages/losses caused by various natural and man-made disasters, such as fire, strikes, theft, etc.
- "All Risks" insurance covers any risk not explicitly excluded in the All Risk Insurance policy contract
- The policy broadly covers loss or damage to insured property caused by any unforeseen incidents, anywhere within the insured geographical area (India or Worldwide)




Why Choose Shriram All Risk Insurance?
- Purchasing, renewing and filing claims can be done in minutes with Shriram General Insurance
- A quick application process and minimal paperwork are required to purchase Shriram All Risk Insurance policy instantly
- Our claim support team is available 24*7 to ensure swift resolution of claims
Features of Shriram All Risk Insurance

Minimum Paperwork
An easy and quick application process
Comprehensive Coverage
All risk protection with exclusive add-ons
Quick Claim Process
Fast claim approvals with instant claim settlement
24*7 Claim Support
Customer service is available round-the-clock
Get your Shriram All Risk Insurance in 3 Simple Steps
Call our Toll-Free number
Call (1800-300-3000/1800-103-3009) to avail Shriram All Risk Insurance policy at your convenience and you will be guided by our dedicated customer support executives throughout the Shriram All Risk Insurance journey
Submit the required documents
Kindly submit the required documents - property details, sum insured, identity and address proof (Aadhaar Card, Passport) to proceed with the Shriram All Risk Insurance process
Complete the payment and get instant All Risk Insurance
Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shriram All Risk Insurance instantly


Benefits of Shriram All Risk Insurance
- Easy application process with minimal documentation
- Comprehensive protection with all risk coverage
- Timely claim settlement
- 24*7 claim support at your disposal
Frequently Asked Questions
How much does Shriram All Risk Insurance cost?

The cost of Shriram All Risk Insurance depends on the total coverage obtained by the insured at the time of policy purchase
Shriram All Risk Insurance policy covers the policy holder against damages and losses caused by various risks such as fire, strikes, theft, terrorism, etc.
- What is Covered?
- What is not Covered?
Damage to insured property by fire, riot, strike, theft, accident, etc.
Any damage arising from an unforeseen cause to portable equipment while in storage or use
Any firms, companies, shops or individuals who are engaged in commercial activity and who provide portable equipment to their employees for official purposes
Individuals whose portable equipment such as laptops, mobile, cameras and items of similar nature are exposed to losses due to any unforeseen accident can be covered under this policy
Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing, renovation, wear & tear, moths, vermin, insects, etc.
Breakage, cracking or scratching of crockery, glass, cameras, binoculars, lenses, curios, pictures, musical instruments and sports gear unless caused by fire or accidents
Loss or damage caused by the mechanical or electrical breakdown of any article unless caused by accidental external means
Over winding, denting or internal damage to watches and clocks
Loss or damage to money, securities, manuscripts, bonds, bills of exchange, promissory notes, stocks, share certificates, stamps and travel tickets, business books/documents
Loss or damage, direct or indirect, arising from war, war-like operations, the acts of a foreign enemy, hostilities, civil war, rebellion, insurrection, civil commotion, military, etc.
Any loss or damage arising from delay, detention or confiscation by customs or other authorities.
Any loss, destruction or damage to any property arising from ionising, radiation or contamination by radioactivity/nuclear materials from any source
Consequential loss or legal liability of any kind
Frequently Asked Questions
How does the special condition 'Articles in Pairs or Sets' work?

The insurance company’s liability shall not exceed the value of any loss/damage to a particular part of an insured article or a proportionate part of the article's insured value
Key Features of Shriram All Risk Insurance


Frequently Asked Questions
What is a deductible/excess?

A deductible/excess is the amount of the claim that is to be borne by the insured. There are two types of deductibles namely, voluntary deductible and compulsory deductible
Comprehensive Coverage
Comprehensive coverage provides cover against all insured losses except those specifically excluded from the issued policy
Endorsement
The term endorsement refers to a contract modification made by the insurer on behalf of the policy holder
Frequently Asked Questions
What is a claim settlement?

The process by which an insurer compensates a policy holder for an insured loss is called a claim settlement
Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement
How to Register Shriram All Risk Insurance Claim?
- step 1
- step 2
- step 3
- step 4
- step 5
Intimate your Claim
Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)
Note: Please ensure that the following information is available to you at the time of the claim intimation
- Policy Number/Proposal Number
- Date and Time of the Accident
- Survey location, where our loss assessor can survey the damages
- Estimated loss/description
Claim Registration
Our customer support team will accept the claim intimation and provide the claim reference number
Claim Confirmation
A Once the claim is registered and the loss assessor gets deputed, one will receive a text message for confirmation along with surveyor details. The surveyor will contact the policy holder regarding the time and conduct the survey accordingly
Survey and Claim Settlement
- After receiving the documents, our dedicated survey team will initiate the process. Once the survey is done, the funds will be directly sent to the recipient after verification
- Note: Kindly contact our CHD /Surveyor when the property is ready for re-inspection if the surveyor advised re-inspection
Frequently Asked Questions
How to intimate Shriram All Risk Insurance claim?

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)
What is voluntary excess or voluntary deductible?

Every time a claim is made, the policy holder agrees to pay an amount as a voluntary excess in addition to the compulsory excess. By agreeing to a voluntary excess, the policy holder can gain discounts on their insurance premiums
What does Shriram All Risk Insurance policy cover?

The policy is extended to cover all risks, including theft and terrorism. However, theft & terrorism can be excluded from the scope of cover to avail discount:
- Terrorism: 10%
- Theft: 20%
- Home (Building + Contents) Cover
What is the sum insured?

Sum insured refers to the maximum amount paid to an insured in the event of a claim
What are the benefits of Shriram All Risk Insurance claim process?

- Instant Claim Notifications
- Quick Claim Approval
- Easy Claims Procedure
- Fast Claim Settlement
- 24*7 Customer Support
What is a ‘Single Article Limit’?

Unless specifically stated, the insurer's liability in respect of each article or pair of articles shall not exceed 5% of the Total Sum Insured under this policy
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