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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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Blogs

Top Reasons (and Solutions) Why Your Car’s AC is Not Cooling

Is Your Car AC Not Cooling? Common Causes and Quick Fixes

Posted on 2026-01-01 09:17:06

You sit inside the car, turn on the AC, and start driving, only to realise the car’s AC isn’t cooling after being switched on for a few minutes. It’s a common scenario that many drivers have experienced. However, many drivers are still not aware of the causes that lead to such experiences. Maybe there’s a compressor fault, refrigerant leaks, or simply the air filters are clogged with dust. There can be several reasons for it. In this blog, we’re sharing the top car AC problems that typically affect the AC’s cooling abilities. Solutions and maintenance tips are also included.

Car Sunroof Maintenance: Tips to Avoid Leaks and Costly Repairs

Car Sunroof Maintenance: Tips to Avoid Leaks and Costly Repairs

Posted on 2025-12-31 09:18:43

Your car’s sunroof can make your rides enjoyable by letting fresh air inside during spring journeys and helping you see a clear sky during off-road trips. A sunroof is undoubtedly one of the most enjoyable features of a vehicle, but it requires routine maintenance to prevent instances of sunroof leaks. Lack of routine maintenance can lead to water seeping into your car’s cabin. Your sunroof may also get jammed mid-opening. The only way to prevent such instances is by keeping the sunroof’s seals, drains, and moving parts clean and well-lubricated at all times. We have shared really simple yet effective car sunroof maintenance tips in this blog, which can keep your sunroof in good working condition and prevent leaks.

Car Tyre Rotation: Definition, Importance, Frequency, & More

How Often Should You Rotate Tyres and Why It Matters

Posted on 2025-12-30 05:05:59

The average life of a car’s tyre is between 40,000 km and 50,000 km under normal road conditions or 5 years. Yet, not every driver replaces their tyres after their average lifespan is over. The thought of maintaining their car tyres doesn’t cross people’s minds until their tyres get damaged or stop functioning properly. Even though tyres aren’t designed to last forever, you can extend their lifespan by merely rotating them. This quick and rather inexpensive task can significantly improve your car’s tyre performance, resulting in even wear. Hence, we’ve shared the basics about tyre rotation, including the ideal tyre rotation frequency, so you can keep the tyres in good condition.

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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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