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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

what is defensive driving

What is Defensive Driving ? A Guide for Indian Drivers

Posted on 2025-04-29 12:34:48

Indian roads can be chaotic — unexpected turns, unpredictable drivers, and everything in between. In this environment, knowing what is defensive driving can make all the difference. Defensive driving is a smart, safety-first approach to driving where you anticipate risks and stay ready to avoid accidents. It's a mindset that enables you to deal with real-world traffic difficulties with composure and confidence, rather than just another skill. Let's examine what defensive driving is, why it's important, and how you can employ it each time you drive.

Car Wash Frequency: How Much is Too Much?

Can Too Many Car Washes Damage Your Car?

Posted on 2025-04-29 07:05:00

In a nation like India, where dust, smog, rain, and bird droppings are commonplace, keeping your car clean is more than a matter of vanity—it's a need. Your car will inevitably get dirty, whether you're driving in Bengaluru traffic during the week or heading to Lonavala for a weekend road trip. As a result, a lot of vehicle owners plan frequent car washes, sometimes even several times a week. The million-rupee question is this: Can your car get damaged by too many car washes? In a nutshell, yes. If done incorrectly or too regularly, excessive washing can eventually cause corrosion, swirl marks, and paint damage. Let us break it down.

is it safe to use hands free phone in a car

Is It Safe to Use Hands Free Phone in a Car?

Posted on 2025-04-28 12:23:45

In India’s traffic-heavy cities, staying connected while driving feels almost necessary. That’s where the hands-free phone comes in — a legal, tech-friendly alternative to holding your phone. But here’s the thing: using a phone while driving, even hands-free, may follow the rules but still carries real risks. Legal doesn’t always mean safe. Let’s break down the benefits, the hidden dangers, and smarter ways to use road safety technology on the move.

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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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