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  • Overview
  • Features And Benefits
  • Third-Party Goods Carrying Vehicle Insurance
  • Comprehensive Goods Carrying Vehicle Insurance
  • Calculate Premium
  • Save Premium
  • Renewal Benefits
  • IDV
  • NCB
  • Deductibles
  • Types of Goods Carrying Vehicle Insurance
  • Coverages
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  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
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  • FAQs
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Goods Carrying Vehicle Insurance Coverages

  • What is Covered?
  • What Not Covered?
01

Loss or Damage to your Vehicle

The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities

02

Natural Calamities

Fire, explosion, self-ignition or lightning, typhoon, hurricane, earthquakes, floods, storms, tempest, inundation, cyclones, hailstorm, frost, landslides or rockslides

03

Man-made Disasters

Riots, strikes, malicious acts, terrorist activities, any violent activities are generally covered as man-made disasters

04

Accidental Damages

Burglary, theft, accidents by external means, any damage in transit by road, rails, inland waterways, lifts, elevators or air

05

Third-Party Personal Liability

The insurance policy provides unlimited coverages, i.e., whatever the court awards as your liability to the third-party due to accidental death or injuries caused by your vehicle

06

Third-Party Property Liability

In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 7,50,000/- for GCCV

01

Accident due to External Factors

Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs or wilful negligence

02

Vehicles Outside the Defined Territory

Loss or liability while the vehicle is used outside the scope of its limitations of use or being driven by a person not duly licensed

03

Other Accidental Losses

Consequential loss, Depreciation, wear and tear, mechanical and electrical breakdown/failure or breakages will not be covered by Shriram Car Insurance policy

04

Loss due to Nuclear/Radioactive Elements

Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy


Frequently Asked Questions

What are the two types of goods carrying vehicle insurance policies?

  • Third-Party Liability Insurance
  • Comprehensive Insurance

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

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Blogs

Portable Car Vacuum Cleaners and Tyre Inflators for India

Portable Car Vacuum Cleaners and Tyre Inflators for India

Posted on 2026-01-09 10:00:40

Going on leisure road trips can be the most joyful experience, but it can soon become dreadful if the cabin gets filled with snack crumbles or the tyre falls flat due to a pothole. It is during situations like these that car cleaning accessories and car tyre inflators can save you. You can use the cleaner to remove any leftover crumbles, dust, pet hair, etc., from your cabin, keeping the interior clean and the cabin air breathable. A portable car air pump can be used to fix flat tyres, so you don’t have to wait for help in the middle of a road or highway. Together, these accessories ensure cleanliness and safety, making for pleasant car rides. This blog will help you discover the relevance of these accessories.

Best Portable Tyre Inflators in India: Buying Guide for 2025

Posted on 2026-01-09 09:30:01

If you’re a car owner who frequently drives for work and leisure activities, then you should always carry a portable tyre inflator with you. Many drivers only think about tyre pressure when a puncture happens, but tyres can go flat for any reason. They may lose air due to heat, rough roads, or even small nail punctures. Driving with tyres at low pressure can cause the rubber in the tyres to heat up more quickly, which may lead to blowouts on the roads or highways. Having a portable tyre inflator can save you in such situations. Instead of looking for mechanics or waiting for help to arrive, you can fill your car’s tyres and resume driving. This small car accessory can help drivers avoid getting stranded on the road. Hence, we’ve created this comprehensive buying guide for the best tyre inflator so you get a reliable tool for your safety and convenience.

A Comprehensive Guide on Smart Car Air Purifiers

Smart Air Purifiers for Vehicle Interiors

Posted on 2026-01-08 10:16:26

What if we told you that rolling up your car’s windows doesn’t guarantee good breathable air inside the cabin? It may sound like an assumption, but the truth is that air quality inside a car cabin is often worse than the air outside. It’s because cars are not fully airtight. Pollutants from outside can easily enter the cabin through air vents or other openings, which continue to recirculate. This is why car owners are increasingly turning to purchase smart car air purifiers. These purifiers have advanced built-in vehicle air purification systems that trap and neutralise harmful pollutants in the cabin air. They not only remove pollutants and allergens from the air, but also eliminate unpleasant odours, protecting the health of both driver and passengers. If it made you curious about smart air purifiers, you must read this full blog.

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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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