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  • Overview
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  • Third-Party Goods Carrying Vehicle Insurance
  • Comprehensive Goods Carrying Vehicle Insurance
  • Calculate Premium
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  • Renewal Benefits
  • IDV
  • NCB
  • Deductibles
  • Types of Goods Carrying Vehicle Insurance
  • Coverages
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  • Premium Components
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  • Buy / Renew
  • Claim Process
  • Terminologies
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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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Blogs

A Comprehensive Guide on Alexa Auto vs. Google Assistant

Voice-Controlled Car Accessories: Alexa Auto vs. Google Assistant

Posted on 2025-11-27 10:40:33

The rush among major corporations to lead market disruption has given us smart car voice assistants that simplify everyday driving experiences. Google Assistant and Alexa in car environments can help you with every task that you could have asked for. From asking these voice assistants to share a better route to the office to calling someone from your contact list, they can do it effortlessly. While both are excellent car accessories, they’re not entirely the same. In this blog, we’ve shared a comparative analysis between the two so you can decide which is better for your car.

How to Choose Floor Mats That Protect Your Car’s Interior

How to Choose Floor Mats That Protect Your Cars Interior

Posted on 2025-11-26 13:18:39

Car floor mats aren’t ordinary accessories but essential shields that protect your car’s interior from everyday damage. If you drive to places where you often enter a car with muddy shoes or loaded food buckets that lead to accidental spills, then having floor mats for cars is a non-negotiable. These mats serve as the first barrier against elements that can quickly ruin your car’s flooring. Besides protection, these mats improve your driving comfort. They also preserve your car’s resale value by simply keeping the cabin clean and well-maintained. In this blog, you’ll find practical tips and guidance to choose the best car floor mats.

Smart Car Diagnostic Tools That Connect to Your Smartphone

Smart Car Diagnostic Tools That Connect to Your Smartphone

Posted on 2025-11-25 10:58:05

Car diagnostic tools are becoming popular among Indian car owners who seek greater control over their vehicles. These compact smart car diagnostic tools can help you identify and fix potential car problems in their early stages. It can reduce repair costs and provide safer driving experiences. In this blog, you will learn more about these tools, so you can level up your car’s maintenance.

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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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