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Shriram Fire Insurance Coverages

Choose the preferred add-on for enhanced protection at an additional premium with Shriram Fire Insurance policy

Types of Shriram Fire Insurance Coverages

Shriram Standard Fire and Special Perils Policy

The Standard Fire and Special Perils policy may cover various assets such as buildings, plant & mach stock and furniture, against loss or damage due to various unforeseen events such as fire, ligh explosion/implosion, aircraft damage, riot, strike and so on

  • What is Covered?
  • What is not Covered?
01

Fire, lightning, explosion/implosion

02

Aircraft damage

03

Riot, strike and malicious damage

04

Storms, cyclones, floods, tempests, hurricanes, tornados and inundation

05

Impact damage, subsidence and landslide including rockslide

06

Bursting and/or overflowing of water tanks, apparatus and pipes

07

Missile testing operations

08

Leakage from automatic sprinkler installations and bush-fire

01

Loss, destruction or damage caused by war/invasion

02

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

03

Civil war, mutiny or civil commotion

04

Military rising, rebellion, revolution, insurrection, military or usurped power

Industrial All Risk Policy

All industrial risks (other than risks rateable under Petrochemical Tariff) have an overall Sum Insured of Rs. 50 crores and above in one or more locations in India shall be eligible for the Industrial All Risks Policy

  • What is Covered?
  • What is not Covered?
01

Material Damage

  • Standard Fire & Special Perils
  • Burglary
  • Machinery Breakdown/Boiler Explosion/Electronic Equipment Insurance
02

Business Interruption

  • Fire Loss of Profit
  • Optional Cover: Machinery Loss of Profit
01

Faulty or defective design materials, inherent vice, latent defect, gradual deterioration, deformation, distortion, wear and tear

02

Interruption of the water supply, gas electricity, fuel systems or failure of the effluent disposal systems to and from the premise

Fire Loss of Profit Policy

The fire loss of profit policy operates in the event of damage to an insured's premises due to any event insured under the Standard Fire & Special Perils Policy, causing an interruption to the policy holder's business

  • What is Covered?
  • What is not Covered?
01

Loss of gross profit due to a reduction in turnover

02

The increased cost of working incurred in minimizing that loss of gross profit

03

Loss of wages

04

Lay off & retrenchment

05

Auditor/Accountant fees

06

Loss of goods lying at supplier's premises

07

Loss due to accidental failure of public electricity/gas/water supply

01

Loss, destruction or damage caused by war/invasion

02

Act of foreign enemy hostilities or war-like operations (whether war be declared or not)

03

Civil war, mutiny or civil commotion

04

Military rising, rebellion, revolution, insurrection, military or usurped power

Frequently Asked Questions

What do you mean by Standard Fire and Special Perils policy?

A comprehensive standard fire and special perils policy covering the physical loss or damage to insured property caused by fire and other perils

What our customers say ?

4.6

1753+ Customer Ratings

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MARCUS MANOHAR PARKHE

Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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ANIL KUMAR HP

Good

customer

VAISHALI VAIBHAVKUMAR PANDYA

very good

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Blogs

How to Fill RTO Form 22: Complete Guide

How to Fill RTO Form 22 for New Vehicle Registration

Posted on 2025-04-24 09:32:03

A car must fulfil certain safety and environmental requirements before it can be allowed to be driven on Indian roads. The manufacturer's certification that the vehicle is roadworthy and satisfies the required emission standards, known as RTO Form 22, is one of the important documents attesting to this compliance. This form is quite important in the vehicle registration procedure, particularly for newly bought vehicles. Knowing how to properly fill out and submit RTO Form 22 guarantees a more seamless interaction with the Regional Transport Office (RTO). It keeps you in complete compliance with Indian traffic rules, regardless of whether you're a first-time car buyer or managing vehicle documentation for a fleet.

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Child Safety Seats: Guidelines for Choosing and Installing Child Safety Seats

Posted on 2025-04-24 06:52:35

Child safety on Indian highways is becoming increasingly important. Even as car ownership is rising, the safety of young passengers is still being majorly neglected. Child safety seats are essential for keeping young passengers secure in the event of an accident or abrupt halt. They are not just additional accessories; they are lifesaving equipment. This guide explains how to choose and install the appropriate seat in accordance with Indian safety regulations.

what is the difference between toll and road tax

What Is the Difference Between Toll and Road Tax?

Posted on 2025-04-16 12:47:14

How is road tax different from toll tax? It all comes down to their objectives and payment methods. State governments in India levy road taxes at the time of vehicle registration as a one-time or recurring payment to fund road construction and maintenance. Toll charges are only applied while using specific highways, motorways, or bridges to assist in recouping the costs of constructing and operating these roads. Think of it this way: Road taxes work similarly to membership fees, providing access to all state roadways, regardless of whether you use them. Toll tax is a pay-as-you-go service, meaning you only pay when you use a particular road or bridge that needs additional investment. Knowing these taxes enables car owners to control spending and stay out of trouble with the law. Let us examine them in more detail.

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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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