Car Insurance Coverages

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.