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Overview
Features And Benefits
Third-Party Goods Carrying Vehicle Insurance
Comprehensive Goods Carrying Vehicle Insurance
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Renewal Benefits
IDV
NCB
Deductibles
Types of Goods Carrying Vehicle Insurance
Coverages
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Terminologies
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FAQs

Goods Carrying Vehicle Insurance Coverages

What is Covered?
What Not Covered?

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

Natural Calamities

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

Man-made Disasters

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

Accidental Damages

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

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

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

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

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

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

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

What our customers say ?

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Blogs

How to Choose Your Steering Wheel Cover: A Buyer's Guide?

Posted on 2025-07-03 12:15:14

Car accessories play a major role in protecting various parts of your vehicle from regular wear and tear. They also provide comfort during your drives and one such essential car accessory is the steering wheel cover. The steering wheel is the one part of your car that your hands are constantly in contact with while driving. Choosing the right cover can make a significant difference. This blog will help you select the right accessory for your car's steering wheel.

Top 10 Car Camping Essentials for Indian Travellers

Posted on 2025-07-02 08:53:50

Car camping blends the thrill of the great outdoors with the comfort of your vehicle. Whether you're heading to the Western Ghats, the Nilgiris or somewhere off the map in Rajasthan, knowing what to pack makes all the difference. This blog highlights the top car camping essentials to ensure a comfortable, safe and unforgettable adventure across India.

How to Evaluate an Insurer's Claim Settlement Ratio Before Purchasing?

Posted on 2025-07-01 12:24:01

When buying Car Insurance, understanding the insurer's insurance claims settlement ratio is critical. This metric indicates the likelihood of an insurer settling claims promptly and fairly. But how do you make sense of it, and why exactly does it matter? This article will help you evaluate this essential ratio, enabling you to make an informed decision.

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Quick renewal

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.

Helpline Number

180030030000 18001033009

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