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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
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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What is Shriram Goods Carrying Vehicle Insurance?

Heavy goods carrying vehicles are prone to many risks due to their massive size and enormous loads while travelling from one place to another. In order to protect truck owners against such unforeseen events, goods carrying vehicle insurance provides coverage against fire, accidents, natural disasters, natural calamities, thefts and so on

  • Under the Motor Vehicles Act, 1988, it is mandatory for all vehicles, including goods carrying vehicles, to be insured against Third-Party (TP) damage to mitigate third-party losses
  • Having a goods carrying vehicle insurance will ensure smooth transport business operations without any hindrance
  • Goods carrying vehicle insurance policy online is issued exclusively for business owners who use their vehicles for commercial purposes
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What is Goods Carrying Vehicle Insurance?
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Nil Pending Complaints

Over 60 Lakh Happy Customers

Over 60 Lakh
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Why Choose Shriram Goods Carrying Vehicle Insurance?

Why Choose Shriram Goods Carrying Vehicle Insurance?

  • At Shriram General Insurance's digital platform, one can purchase, renew and claim Shriram Goods Carrying Vehicle Insurance policy at ease
  • Get an instant goods carrying vehicle insurance policy with minimal documentation and a speedy application process
  • It is easy and quick to renew a policy with Shriram General Insurance's digital-friendly platform
  • To ensure timely claim settlement, we simplified the entire claim process with 24*7 online claim support
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Shriram Goods Carrying Vehicle Insurance Coverages

Goods carrying vehicle Third-Party Coverage

Third-Party Coverage

According to Section 146 of the Motor Vehicles Act, 1988, third-party coverage is mandatory. Third-party (opponent vehicle owner/pedestrian) goods carrying vehicle insurance covers liability for third-party vehicle/property damage and third-party injury

Goods carrying vehicle Own Damage Coverage

Own Damage Coverage

Own Damage (OD) covers damages resulting from accidents, theft, fire, natural calamities and man-made disasters

Goods carrying vehicle Comprehensive Coverage

Comprehensive Coverage

Comprehensive Coverage includes Third-Party Coverage and Own Damage Coverage as well as Compulsory Personal Accident (CPA). With Shriram Comprehensive policy, choose suitable add-ons to enhance your coverage

How to Calculate Shriram Goods Carrying Vehicle Insurance Premium?

The premium for Shriram Goods Carrying Vehicle Insurance will be determined by various factors, including the type of vehicle, model and variant, year of manufacture, Insured Declared Value (IDV), type of insurance policy and add-ons

Make and Model

The make and model of the vehicle are the primary factors in calculating a goods carrying vehicle insurance premium

Year of Manufacture

It is essential to determine a vehicle's manufacturing year in order to determine its IDV

Insured Declared Value

The Insured Declared Value (IDV) is the vehicle's current value. Essentially, it is the maximum amount the insurer will pay if the vehicle suffers a total loss in an accident

Types of Insurance

In India, third-party goods carrying vehicle insurance is mandatory. The premium for Third- Party goods carrying vehicle insurance depends on the vehicle's cubic capacity

Add-ons

Individuals can choose an add-on based on their needs. This adds to the cost of a standard goods carrying vehicle insurance policy

Benefits of Renewing Shriram Goods Carrying Vehicle Insurance Online

Benefits of Renewing Shriram Goods Carrying Vehicle
Insurance Online

Renewing your goods carrying vehicle insurance policy is quick and easy with Shriram General Insurance's digital platform. Online renewal of goods carrying vehicle insurance provides the following benefits:

  • Saves time and effort
  • No paperwork is required
  • Instant renewal
  • Earn No Claim Bonus
  • Prevent insurance break-ins

How to Save on your Shriram Goods Carrying Vehicle Insurance Premium?

The factors mentioned here can help an insured save on their vehicle insurance premium

01

Choosing Policy

Shriram General Insurance offers several types of goods carrying vehicle insurance policies . A comprehensive insurance policy for goods carrying vehicles is the smart option for protecting your vehicle

02

Selection of Add-ons

Add-ons should be purchased with care. However, choosing the right add-ons will ensure maximum coverage

03

Deductibles

Deductibles are out-of-pocket expenses that the insured must pay during a claim. Be sure to check the voluntary deductibles before you purchase a policy

04

Renewing On-time

Keeping your No Claim Bonus (NCB) intact requires renewing your insurance policy on time. Any break-in insurance will affect the NCB

05

Installing Anti-Theft Devices

Taking theft precautions, such as installing an anti-theft device (approved by ARAI), can result in affordable insurance premiums for goods-carrying vehicles


Frequently Asked Questions

What is a comprehensive insurance policy?

A comprehensive insurance policy protects your vehicle from unforeseen accidents like fire, theft, earthquakes and any third-party liability in terms of death, physical injuries and third-party property damage. It also has personal accident and legal liability cover for paid drivers/cleaners of the insured vehicle at an additional premium

What is the roadside assistance add-on cover?

Roadside assistance is additional coverage for instances where the insured gets stuck in the middle of the road with no way of getting help. The Shriram Goods Carrying Vehicle Insurance policy will ensure that the insured receives all emergency services such as medical assistance, towing, fuel arrangements, minor repairs, alternative transportation and so on

What our customers say ?

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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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Blogs

AI and Telematics Shaping Car Insurance Premiums in India

AI and Telematics Shaping Car Insurance Premiums in India

Posted on 2026-01-21 08:54:27

Traditional insurance premiums didn’t incentivise responsible drivers as much as they should. Fortunately, it is changing because of AI and telematics. Several leading Indian insurers, such as Shriram General Insurance, are now using AI and telematics to provide personalised, risk-based premium pricing. It means premiums will be determined based on your driving behaviour, vehicle data, and other relevant details. Insurers collect these details using telematics, and then use advanced AI algorithms to analyse them. Based on the analysis, AI creates an individualised risk profile, which helps insurers decide optimal premiums. If you’re new to this AI car insurance concept, you should read the full blog. We’ve covered everything you should know to develop a decent understanding.

Your Guide to Heads-Up Display (HUD) and AR in Navigation

Advanced Heads-Up Displays (HUD) and Augmented Reality in Navigation

Posted on 2026-01-20 12:28:11

If you’re driving on a new route, you’ll likely take a quick glance off the road to check Google Maps or any other navigation app installed on your phone or infotainment cluster. This split-second distraction can be dangerous. Hence, advanced heads-up displays (HUD) were introduced to make driving safer and more convenient. HUD displays your driving speed, navigation cues, and safety warnings directly on the windshield or a transparent screen. Since the display is intentionally placed within the driver’s line of sight, you don’t have to remove your gaze from the road for any reason. Augmented Reality (AR) in HUD systems takes navigation to another level. They blend digital guidance with the road ahead. So, instead of showing a simple arrow or map, AR navigation systems can place colour-coded turn indicators and other guidance directly onto the road view. Together, they improve safety and also enhance the driving experience. You can learn more about this advanced system in this blog, so read along.

Car Wireless Charging Pads with Multi-Device Support

Car Wireless Charging Pads with Multi-Device Support

Posted on 2026-01-19 12:35:58

You sit inside your car, place your mobile on the charging pad, and the phone starts charging automatically. No need to switch a button, struggle to find the right charging cable, or transform your cabin into a mess – this convenience is top-tier and almost every car owner wants it.  It is precisely what you get with a car wireless charging pad. The best part about this fast wireless charging technology is that it lets you charge multiple Qi-enabled devices, such as your smartphone, earbuds, and smartwatch. If you purchase a decent-sized charging pad, your co-passengers can also charge their devices at the same time.  It’s the best way to keep your cabin free of distractions and clutter, while charging all your devices. If this multi-device wireless charger made you curious, read the full blog for a more in-depth understanding. 

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