No Claim Bonus is provided by an insurer to the insured who does not make any OD claims during the policy year

Add-ons can be purchased with a standalone OD and comprehensive car insurance policy at any time during the policy period. Adding new coverage may require an inspection of your vehicle. You need to initiate an endorsement to include add-ons. Kindly send us an email or call our toll-free number. For additional coverage, you may need to pay an additional fee

• Voluntary Deductibles: The voluntary deductible is part of the claim amount that the policyholder pays before the claim is submitted to the insurer. It is beyond the compulsory deductible set by the IRDAI. A voluntary deductible allows an insured to save money on their insurance premiums
• Automobile Association Discount: An insured will receive certain benefits on OD premium for your valid membership of recognized Automobile Associations such as the Automobile Association of Eastern India, the Uttar Pradesh Automobile Association, the Western India Automobile Association, Automobile Association of Southern India and the Automobile Association of Upper India
• Installing Anti-Theft Devices: If your car is fitted with anti-theft devices approved by the Automobile Research Association of India (ARAI), Pune and whose installation is duly certified by any authorized Automobile Associations, will give you an opportunity to save on the OD premium

Own Damage (OD) cover is a type of car insurance coverage that provides coverage for the insured vehicle's own damage or loss due to events such as accidents, theft, fire, natural disasters, vandalism, and malicious acts. The OD cover can be purchased as a standalone policy or as part of a comprehensive insurance policy that includes the third-party policy and OD cover.

The term third-party liability in car insurance in India refers to your legal and financial responsibility for any damage your vehicle causes to a third party. According to the Motor Vehicles Act of 1988, it is mandatory and provides coverage for an accident, death, or property damage to a third party.

Own damage insurance usually has a one-year validity period, after which it must be renewed.

Comprehensive car insurance covers damage to the policyholder's own vehicle and third-party liability. In third-party liability insurance, only damages and injuries are covered to other people or their property. Third-party insurance is mandatory in India, but comprehensive insurance is optional.

Comprehensive car insurance covers both third-party liability and vehicle damage, including natural disasters and thefts. A policyholder with own-damage insurance covers damages to their own vehicle caused by fire, theft, or natural disasters.

A policyholder's own-damage car insurance covers damage to their own vehicle caused by accidents, fire, theft, or natural disasters. Insurance that covers all repair costs and replacements without considering the depreciation value of the car is known as zero depreciation insurance. Indian insurance companies offer it as an add-on to their own-damage policies.

A comprehensive car insurance policy provides a broader range of coverage than a third-party liability policy. A policyholder is covered for damages to their own vehicle as well as for third-party liability, including natural disasters, theft, fire, riots, and accidents.

Shriram Car Insurance policy offers a range of value-added coverages for your car at a nominal additional premium

• Electrical and Electronic Accessories: Your electrical and electronic accessories like music players, seat covers, LCD mini TV, fog lights, etc
• Bi-Fuel Fuel System (CNG/LPG Kit): Your CNG/LPG Kit can also be covered whether it is in-built or fitted separately
• Personal Accident: You can avail of this cover for yourself (as the insured), for the driver of your vehicle (in case you have a paid driver) and for unnamed passengers as per the seating capacity of the vehicle. The Personal Accident cover to protect the owner/driver is available for Rs. 15 lakhs

Yes, electric/CNG/LPG vehicle needs a car insurance policy. An insured can avail these value added features at an additional premium

Damage to the car bumper is covered under the comprehensive insurance and not with the TP Liability policy.

The comprehensive coverage usually covers non-collision damage, such as scratches caused due to natural calamities or collision. The coverage and limits of your policy will depend on your insurance provider and policy.

The comprehensive insurance and the OD cover provide coverage against multiple dents, caused due to accidental external means arising from a single incident.

Yes. At Shriram General Insurance, both Bumper-to-Bumper and zero depreciation covers means the same. It is referred to as Nil Depreciation Cover at Shriram.

Tyre damage due to wear and tear, punctures, or blowouts is not usually covered by standard insurance policies. However, if the vehicle is damaged at the same time in which case the liability of the insurer shall be limited to 50% of the replacement cost.

"Bumper to bumper" car insurance is a term commonly used to refer to car insurance that includes a comprehensive insurance policy and the Nil Depreciation or Zero Depreciation add-on cover.

The bumper to bumper insurance is common term used to identify a comprehensive insurance which includes the Nil Depreciation Cover. It offers coverage without considering the depreciation factor, reducing your out-of-pocket expenses.

Bumper-to-bumper insurance is a common term for comprehensive insurance which includes the Zero Depreciation or the Nil Depreciation add-on cover. However, the "normal insurance" is a common term used to refer the comprehensive insurance without the Nil Depreciation add-on cover.

Car insurance does not provide coverage for damage to CV joints.

Damage to the car clutch plate is not covered under car insurance.

Yes, any electrical and electronic equipment that is not factory fitted with the vehicle can be covered under electrical accessories at an additional premium. For Example, a Music System that is installed in the car after the purchase of the vehicle can be covered

The insured has to provide an invoice copy of the electrical accessories along with, serial number of the electrical accessories. Adding new coverage may require an inspection of your vehicle. You need to initiate an endorsement to include add-ons. Kindly send us an email or call our toll-free number. For additional coverage, you may need to pay an additional fee

IDV (Insured Declared Value), age of the car (If your car is an old one), Zone/City of Registration, Cubic capacity of the car engine and No Claim Bonus

No. The Third-Party (TP) liability policy is a mandatory requirement as per Section 146 of the Indian Motor Vehicles Act, 1988. The Shriram Car Insurance policy insures the liability of the owner of the vehicle against Third-Party damages

Some of the benefits are:

• Get a considerable discount by buying Shriram Car Insurance policy online
• No paperwork is required to buy your Car Insurance policy
• Multiple payment options via Credit Card, Debit Card or Net Banking
• Highest levels of security

On receipt of all the relevant claim documents along with the original repair invoice and satisfaction voucher/discharge voucher and NEFT details, the claim will be processed within the mentioned timeframe

No, you cannot pay the premium in instalments. As per Section 64VB of the Insurance Act, 1938, a full insurance premium is to be paid before the risk starts

A claim can be filed by contacting your insurance company's customer service helpline or visiting the nearest branch office in India. Make sure you have all the information and documents related to the claim, such as the FIR, policy, driving licence, and vehicle registration certificate.

You can generally submit a car insurance claim without an FIR, depending on the circumstances. An FIR is typically required for cases involving theft, malicious damage, or major accidents involving fatalities or injuries. However, for minor damage to the car, an FIR may not be necessary.

Damage to car tyres is not covered under car insurance unless the insured car is damaged at the same time. In this case, you shall receive coverage of up to 50% of the replacement cost.

You can raise a claim against damages to your car caused due to your fault. However, the coverage shall not be offered in case of theft and gross negligence.

You can file a claim online at the Shriram General Insurance website or over the phone at 1800-300-30000/1800-103-3009 or through the MYSGI App. Our customer service team will guide you throughout the car insurance claim process.

In India, you can initiate a claim by calling your insurance company's customer service helpline or visiting their nearest branch office. Start the claim process by providing detailed information about the claim, including the FIR, policy document, and vehicle registration certificate.

There are generally no limitations on how many claims you can make in a year under your car insurance policy. It is important to note that the car insurance claim affects the NCB (No Claim Bonus).

The claim amount in India is determined by the extent of vehicle damage and the policies' coverage. To determine the value, the cost of repairs or the market value of the vehicle are subtracted from the deductible and depreciation.

If you need to make a claim on your car insurance, you need to notify your insurer promptly and provide them with all the necessary details. During the claim assessment, follow their instructions and cooperate with the surveyor.

There is no set time for the settlement of car insurance claims in India, as it depends on the complexity of the claim and the insurer's internal processes. As per the Insurance Regulatory and Development Authority of India, insurers must settle motor insurance claims within 30 days of receiving all necessary documentation.

Various factors can affect the settlement period for a car insurance claim, such as the complexity of the claim and the insurer's internal processes. According to the Insurance Regulatory and Development Authority of India, motor insurance claims must be settled within 30 days of receipt of all required documentation from the policyholder.

Yes, all are the same. Bumper-to-Bumper Car Insurance covers all parts of the vehicle during an accident

A Break-in Insurance is when there is a gap in the new insurance risk starting date and previous policy end date