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Shriram Car Insurance
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Comprehensive, Affordable and Reliable Motor Insurance at your fingertips

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  • Overview
  • Features And Benefits
  • Types of Shriram Motor Insurance
  • Coverages
  • Compare Plan
  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Motor Insurance policy issued by the Insurance Regulatory and Development Authority of India (IRDAI) to cover vehicles on the road, including two-wheelers, four-wheelers and commercial vehicles

  • A Third-Party (TP) motor insurance policy is mandatory in India according to Section 146 of the Motor Vehicles Act, 1988. It covers damages and losses caused to a third-party individual, vehicle or property
  • An Own Damage (OD) motor insurance policy provides coverage for the vehicle owners against various unforeseen scenarios like accidents, theft, strike, natural and man-made disasters
  • A comprehensive motor insurance policy provides Third-Party and Own Damage Coverage along with Personal Accident coverage benefits. With Shriram Motor Insurance policy, vehicle owners can purchase Motor Insurance online at ease
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What is Motor Insurance?
Nil Pending Complaints

Nil Pending Complaints

Over 60 Lakh Happy Customers

Over 60 Lakh
Happy Customers

Why Choose Shriram Motor Insurance?

Why Choose Shriram Motor Insurance?

  • Shriram General Insurance offers a range of motor insurance policies online. Motor insurance policies can be purchased, renewed and claimed online at Shriram General Insurance's digital platform
  • With minimal paperwork and a speedy application process, get a motor insurance policy at the convenience of your fingertips
  • Our digital-friendly platform makes choosing a policy, comparing premiums and purchasing easy. Various natural and man-made disasters are covered by Shriram Motor Insurance policy
  • With much effort, we simplified the entire claim process to ensure timely settlement. With Shriram Motor Insurance, you can access 24*7 customer service online
Read More

Types of Shriram Motor Insurance

Shriram General Insurance offers two types of Motor Insurance Policies, Car Insurance and Two-Wheeler Insurance

Shriram Car Insurance

Shriram Car Insurance

Shriram Car Insurance policy protects your car from damage caused by unfavourable events, such as theft, accident and natural calamities

Benefits of Shriram Car Insurance

  • 100% Claim Assistance
  • Personal Accident Coverage
  • No Claim Bonus
  • Comprehensive Loss/Damage Protection
  • Superfast Cashless Claims
Shriram Two-Wheeler Insurance

Shriram Two-Wheeler Insurance

Shriram Two-Wheeler Insurance policy offers you an extra edge to protect the insured vehicle with a paperless process at your fingertips

Benefits of Shriram Two-Wheeler Insurance

  • Comprehensive Coverage
  • Roadside Assistance
  • Nil Depreciation Cover
  • Quick Claim Approval
  • No Claim Bonus

Shriram Motor Insurance Coverages

Third-Party Coverage

Third-Party Coverage

Third-Party (TP) coverage is mandatory according to Section 146 of the Motor Vehicles Act, 1988. Third-party (opponent vehicle owner/pedestrian) motor insurance covers liabilities such as third-party vehicle/property damages and third-party injury

Own Damage Coverage

Own Damage Coverage

An Own Damage (OD) cover is focused on insuring your vehicle against damages such as accidents, theft, fire, natural calamities and man-made disasters

Comprehensive Coverage

Comprehensive Coverage

Comprehensive Coverage provides benefits of Third-Party and Own Damage cover along with Compulsory Personal Accident (CPA) add-on cover. With Shriram Comprehensive policy, choose suitable add-ons to enhance your coverage

How to Calculate Shriram Motor Insurance Premium?

The premium for Shriram Motor Insurance will be determined by various factors, including the type of vehicle, the model and variant, the year of manufacture, the 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 motor 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 total loss in an accident

Type of Insurance

In India, third-party motor insurance is mandatory. The premium for Third-Party motor insurance depends on the vehicle's cubic capacity. Depending on the insurance company you choose, the Comprehensive and Standalone Own Damage (OD) insurance premiums will vary

Add-ons

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

No Claim Bonus

An insured can save on Own Damage (OD) premium during renewal if they have not claimed any own damages during the previous policy period

Benefits of Renewing Shriram Motor Insurance Online

Benefits of Renewing Shriram
Motor Insurance Online

Shriram General Insurance's digital-friendly platform makes renewing vehicle insurance policies simple and easy. At the convenience of your fingertips, you can buy or renew motor insurance from anywhere. Online renewal has the following benefits:

  • Quick and effort-saving
  • Paperwork is not required
  • Immediate renewal
  • Gain the No Claim Bonus
  • Stay safe from insurance break-ins

How to Save on your Shriram Motor Insurance Premium?

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

01

Choosing Policy

Shriram General Insurance offers several types of motor insurance policies. Choosing a comprehensive motor insurance policy is the smartest option to protect your vehicle

02

Selection of Add-ons

Consider your options carefully when purchasing add-ons. It is advisable to buy add-ons only when they are needed. But choosing necessary add-ons will result in maximum coverage

03

Deductibles

Deductibles are out-of-pocket expenses; the insured must pay them during a claim. Always have a check on voluntary deductible during a policy purchase

04

Renewing On-time

It is always recommended that an insured renew their insurance policy on time to continue their No Claim Bonus (NCB). Because any break-in insurance will affect the NCB

05

Installing Anti-Theft Devices

If you’ve taken special measures to keep your car from getting stolen, you have an opportunity to save on your motor insurance premium. Install an anti-theft device (approved by ARAI) on your vehicle to receive this benefit

Frequently Asked Questions

Can I drive my vehicle without a Motor Insurance policy?

No, the Third-Party (TP) liability motor insurance policy is mandatory as per Section 146 of the Indian Motor Vehicles Act, 1988. It protects the owner of the vehicle against third-party personal liability and property losses

What is Roadside Assistance (RSA) in a Motor Insurance policy?

A 24*7 RSA cover offers quick assistance to a vehicle owner if his/her vehicle breaks down or has a mechanical failure on the road or at home. It includes providing breakdown support over the phone, battery jump-start, tyre repair service, towing facility to the nearest network garage and so on

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Pocket-friendly Premium

Pocket-friendly Premium

Affordable premium with minimal documentation

Superfast Claims

Superfast Claims

Easy and simple online claim settlement process

Roadside Assistance (RSA)

Roadside Assistance (RSA)

A 24*7 RSA cover offers quick online assistance

Extensive Add-on Options

Extensive Add-on Options

Get overall coverage for your vehicle with exclusive add-ons

Comprehensive Plans

Comprehensive Plans

All-round protection with comprehensive insurance coverages

On-Time Claim Assistance

On-Time Claim Assistance

97% Motor Claim Settlement Ratio ensured

Key Features of Shriram Motor Insurance

Insuring your vehicle with Shriram General Insurance is simple, easy and convenient

Affordable Premiums

  • Pocket-friendly premium is a result of our middlemen-free process

Zero Paperwork

  • Shriram General Insurance is digital now. Get Shriram Motor Insurance at the convenience of your fingertips

Stress-free Claims

  • Instant claim assistance, cashless claims, updated claim status and so on

Instant Claim Settlement

  • 97% Motor Ratio is achieved by Shriram General Insurance

24*7 Customer Support

  • Access customer support anytime and anywhere
Features of Shriram Motor Insurance

Frequently Asked Questions

Mention some of the benefits of Shriram Motor Insurance?

  • Competitive pricing with affordable premiums
  • Gain the advantage of No Claim Bonus on Own Damage premium
  • A digital-friendly process with minimal documentation
  • Superior customer service and roadside assistance available
  • Personal injury and property protection for third-party liabilities
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Shriram Motor Insurance policy has three types of insurance plans. They are Comprehensive, Standalone Own Damage (OD) and Third-Party (TP) insurance policies, depending on the scope of the coverage

Types of Shriram Motor Insurance

Comprehensive Motor Insurance

Comprehensive Motor Insurance

A Comprehensive Motor Insurance policy is the most preferred motor insurance coverage option. It provides the benefits of Third-Party (TP) coverage (coverage against third-party liabilities) and Own Damage coverage (covers damage/losses incurred to the insured and their vehicle). It also covers accidents, fire, natural disasters, man-made disasters (riots/strikes) and theft of the insured vehicle. With the Comprehensive Motor Insurance policy, Compulsory Personal Accident (CPA) cover of Rs. 15,00,000/- will always be included at an affordable premium

Coverage includes:

    • Third-Party Injury or Death
    • Accidental Damages
    • Fire
    • Strike/Riot
    • Man-made Disasters
    • Third-Party Vehicle Damages
    • Natural Calamities
    • Theft
    • Add-ons*
Standalone Own Damage Motor Insurance

Standalone Own Damage Motor Insurance

Standalone Own Damage (OD) motor insurance policy aids in protecting your vehicle from damages caused by unforeseen mishaps like accidents, theft, natural and man-made disasters. An OD insurance policy does not cover any third-party liabilities. Having an Own Damage motor insurance policy act as a safety shield for the insured vehicle. One can purchase Own Damage cover along with Compulsory Third-Party insurance and personal accident cover for an extensive protection

Coverage includes:

    • Accidental Damages
    • Fire
    • Strike/Riot
    • Man-made Disasters
    • Natural Calamities
    • Theft
    • Add-ons*
Third-Party Liability Motor Insurance

Third-Party Liability Motor Insurance

In India, Third-Party (TP) Motor Insurance is mandatory by law. A Third-Party (TP) liability motor insurance policy protects the insured against third-party liabilities. The policy provides coverage if your vehicle damages another person's vehicle/property or causes injury/death to a third-party vehicle owner. If your vehicle causes “third-party” property damage, Shriram General Insurance Company will offer compensation up to Rs. 1,00,000/- for two-wheelers and Rs. 7,50,000/- in the case of private cars. Unlimited third-party personal liability coverage will be provided, i.e. whatever the court awards as your liability to the third-party due to accidental death or injuries caused by your vehicle

Coverage includes

  • Third-Party Injury or Death
  • Third-Party Vehicle Damages

Shriram Motor Insurance Add-on Covers

Choose any add-on or all of them at an additional premium for your additional safety with Shriram Motor Insurance policy

Zero Depreciation Cover

Zero Depreciation Cover

In case of accidental damage, an insured can claim the total cost of replacing vehicle parts if he/she owns a Zero Depreciation cover. There will be no deduction for depreciation on damaged vehicle parts

Daily Reimbursement

Daily Reimbursement

Daily Reimbursement is an add-on cover that reimburses for using a private vehicle while their own vehicle is being repaired. The maximum reimbursement amount and time period are provided as per the motor insurance policy guidelines

Motor Protection

Motor Protection

In case any motor accident arises out of the use of an insured vehicle, Shriram Motor Insurance policy will provide an advocate to guide or/and defend you from police and judicial magistrate proceedings only

Return to Invoice

Return to Invoice

Return to Invoice coverage allows an insured to receive compensation equal to the original invoice value of the vehicle (the vehicle's original purchase price), if the vehicle is stolen or suffers total loss

Personal Belongings

Personal Belongings

Personal belongings add-on cover helps with the loss of personal belongings from the locked vehicle, including vehicle accessories

Emergency Transport and Hotel Expenses

Emergency Transport and Hotel Expenses

During a vehicle breakdown, if an insured gets stuck in a risk-prone area such as highways and needs immediate alternate transport or hotel expenses, Shriram Motor Insurance’s Emergency Transport and Hotel Expenses cover will provide the necessary assistance

Key Replacement

Key Replacement

Keys are essential, but they might get misplaced or may be stolen at times. Here comes the Key Replacement add-on to save the insured at an additional cost

Frequently Asked Questions

What are the different add-on covers available in Shriram Motor Insurance policy?

  • Zero Depreciation
  • Motor Protection
  • Daily Reimbursement
  • Key Replacement
  • Return to Invoice
  • Emergency Transport and Hotel Expenses
  • Personal Belongings
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  • What does the Shriram Motor Insurance Cover?
  • What does the Shriram Motor Insurance Not Cover?
01

Loss or Damage to your Vehicle

Coverage against any loss or damage caused to the vehicle due to the following natural and man-made calamities

02

Natural Calamities

Fire, explosions, self-ignition or lightning, earthquakes, floods, typhoons, hurricanes, storms, tempests, inundations, cyclones, hailstorms, frosts, landslides and 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

Unlimited life coverage, i.e. whatever the court awards as your liability to the third-party due to accidental death or injuries caused by the vehicle, will be met by the insurer

06

Third-Party Property Liability

The insurer will compensate up to Rs. 100,000 for two-wheelers and Rs. 7,50,000 for private cars if your vehicle causes third-party property damage

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

Extended Territory and Invalid Licence

Loss or Liability while the vehicle is used outside the scope of limitations of use and/or being driven by a person not duly licensed

03

Loss due to Nuclear/Radioactive Elements

Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy

04

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

05

Policy Deductibles

According to the IRDAI regulations, a compulsory deductible is an amount the insured must pay as part of their claim. The compulsory deductibles are not covered by Shriram Car Insurance policy

Frequently Asked Questions

What is a Compulsory Deductible?

A compulsory deductible is an integral part of the claim amount where the insured must pay certain part of the claim. The compulsory deductible amount is decided by the IRDAI

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Benefits and Coverage Third-Party Coverage Comprehensive Coverage

Own-Damage to the vehicle due to an accident

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Own-Damage to the vehicle due to fire

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Own-Damage to the vehicle due to natural calamities

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Third-Party damage to the vehicle

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Third-Party damage to property

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Compulsory Personal Accident Cover

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Theft of the vehicle

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Cashless Claims

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No Claim Bonus (NCB)

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Riders/Add-ons

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Frequently Asked Questions

Can I cover my electrical/electronic motor accessories?

Yes, any electrical and/or electronic equipment that is not factory fitted with the vehicle can be covered under electrical accessories at an additional premium. For example, a music system that is installed in the vehicle after the purchase of the vehicle can be covered

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A motor insurance premium is an amount paid by an insured to an insurer for purchasing a policy. Shriram Motor Insurance premium calculation will be based on various factors, such as the policy chosen, cover types, add-ons and policy period

Third-Party (TP) Premium

Third-Party (TP) Premium

The government of India has made third-party liability insurance mandatory. TP premiums are calculated based on the cubic capacity of the vehicle’s engine

Own-Damage Premium

Own-Damage Premium

It is a part of the premium, one pays to get coverage against various natural and man-made disasters. Each insurance company will have its own pricing for an Own Damage (OD) premium

Compulsory Personal Accident Cover

Compulsory Personal Accident Cover

Recently, the government has made Personal Accident coverage mandatory for car owners/drivers due to the rise in injury cases. For risk cover, Rs. 15 lakh is the minimum sum insured

Add-ons

Add-ons

Add-ons are additional covers for the vehicle’s enhanced protection. The premiums depend on the type of add-on chosen by the insured. Some of the popular add-ons are zero depreciation cover, motor protection cover, roadside assistance, engine and tyre protection cover

Frequently Asked Questions

How does the motor insurance premium gets calculated?

The Motor Insurance premium is based on:

  • IDV
  • Cubic Capacity
  • Geographical Zone
  • Age of the Vehicle
  • Add-on Covers
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01

Any individual who is 18 years or above with a valid driving licence

02

The person must own a vehicle with an original RC to purchase Shriram Motor Insurance online at ease

03

The complete buy/renew motor insurance process is online and paperless. There is no need to upload a scanned copy of the documents to get their vehicle insurance

Documents Required for Motor Insurance Claims

  • Registration Certificate with Fitness Certificate
  • Driving License
  • Insurance copy (Optional)
  • Claim Form duly filled and signed
  • Estimate, Bills, Payment receipt and discharge Voucher
  • Signature ID proof (Insured)
  • Customer's bank details with a cancelled cheque for claim payment through (NEFT)
  • Customer's bank details with a cancelled cheque (Where the Premium is greater than 25,000/-)
  • FIR (If filed or required)
Documents required for motor insurance claim

Frequently Asked Questions

Is RTO registration mandatory?

Yes. Individuals are required to register their new vehicle with their respective RTOs under Section 39 of the Motor Vehicles Act, 1988

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  • Buy Shriram Motor Insurance Online
  • Renew Shriram Motor Insurance Online

You can instantly purchase a Shriram Motor Insurance Policy online via 3 simple steps on our website/MySGI App/call our toll-free number ( 1800-300-3000/ 1800-103-3009) at your convenience

1

Enter the basic details of the vehicle to estimate the premium payable

  • Vehicle Registration Number and Mobile Number
  • Details of Manufacturer and Model
  • Date of Registration
2

Provide the details of the vehicle owner and choose the suitable policy/add-on covers of your choice

  • Kindly enter the basic details such as Name, Email ID and Address
  • Choose the policy that fits your requirements along with the necessary add-ons to protect the vehicle
3

Complete the online payment and get instant motor insurance

  • Kindly complete the online payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking) on the go and get your Shriram Motor Insurance policy

With Shriram General Insurance, online motor insurance renewal is quick and hassle-free. Renew your motor insurance policy through 3 simple steps without paperwork now

1

Check the given existing details of your vehicle with the original RC to estimate the renewal premium

  • Details of Vehicle Manufacturer and Model
  • Registration Number
  • Date of Registration
  • Previous Insurance Policy Details
  • Change of Ownership Documents (if applicable)
2

Selection of new coverages along with your existing policy

  • Select the policy that fits your requirements along with the necessary add-ons to protect the vehicle
3

Complete your online payment and renew the motor insurance policy

  • Kindly complete the online payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking) on the go and get your Shriram Motor Insurance policy renewed

Frequently Asked Questions

What are the benefits of buying a Motor Insurance policy online?

  • Easy comparison options to get the best deal
  • No commission process as there is no third-party involved
  • You can research, compare and make an informed purchase decision
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With Shriram General Insurance, the claim settlement process is stress-free now. One can file a claim immediately following an accident or vehicle theft

Get your Shriram Motor Insurance Claim Settlement in 3 Simple Steps

  • step 1
  • step 2
  • step 3
Register your Claim

Register your Claim

  • Register a claim online at the Shriram General Insurance website or over the phone at 1800- 300-30000/1800-103-3009 or through the MYSGI App and you will be contacted by our customer service team and guided throughout the motor insurance claim process

Submit the Required Documents

Submit the Required Documents

  • Engine and Chassis Number

    • An engine number will always be specified on the vehicle's engine
    • The last 6-digits of the VIN (Vehicle Identification Number) are the unique serial number of the car, known as chassis number
  • Police Complaint

    • In a police complaint, the complainant describes the facts and incident to the police
    • An FIR report is made after a formal complaint is made
  • Description and location of the accident

    You are requested to provide the details of the accident

  • Vehicle inspection address

    Please provide the address for the primary vehicle inspection

  • Vehicle's Kilometre Reading

    Kindly provide the vehicle kilometre reading (distance travelled by a vehicle)

  • Accident Date and Time

    Kindly mention the date and time the accident took place

Verification and Claim Settlement

Verification and Claim Settlement

As soon as your documents & process get verified & completed, we will initiate the funding process and disburse the funds directly to the recipient after verification

Benefits of Shriram Motor Insurance
Online Claim Process

  • On-time Notification of Claims
  • Quick Claim Settlement
  • Superfast Survey within a Day
  • Customer Satisfaction
  • Easy Claims Procedure
  • Updated Claim Status
Benefits of Shriram Motor Insurance Online Claim Process

Frequently Asked Questions

How much time does it take for my claim to get settled?

On receipt of all the relevant claim documents along with the original repair invoice and satisfaction voucher/discharge voucher and NEFT details, the claim will be processed as soon as possible

Can I pay the Motor Insurance premium in instalments?

No, you cannot pay the premium in instalments. As per section 64VB of the Insurance Act, 1938, a full insurance premium is taken before the risk starts

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Insured Declared Value (IDV)

Insured Declared Value (IDV)

The vehicles are insured for a fixed sum known as the Insured Declared Value (IDV). IDV calculation is based on the manufacturer's listed selling price of the vehicle plus the listed price of any accessories (less depreciation for each year) according to the schedule specified by the Indian Motor Tariff IDV. Insured Declared Value is the current market value of the vehicle that starts depreciating when it comes out of the showroom. IDV is the compensation amount if the vehicle undergoes total loss or theft

No Claim Bonus (NCB)

No Claim Bonus (NCB)

A No Claim Bonus (NCB) is a offered to insured who did not make a single own damage claim during the policy period. You can get benefits accordingly when you do not file any OD claims and keeps increasing with consecutive claim-free years up to 50%

Add-on

Add-on

An add-on will provide additional protection to your insured vehicle at an additional charge for the entire policy period

Frequently Asked Questions

Is Bumper-to-Bumper, Zero Depreciation and Nil Depreciation the same?

Yes, all are the same. Bumper-to-Bumper Motor Vehicle Insurance covers all parts of the insured vehicle during an accident

What is the meaning of endorsement in insurance?

This is written evidence of the agreed change to the policy. If the insured needs to buy more coverage or change the existing insurance policy, they can approach the insurance company to make the necessary changes through an endorsement

Is my No Claim Bonus (NCB) transferable?

As long as the insured of the vehicle is same, the No Claim Bonus (NCB) is transferable. An NCB certificate from the existing insurer will be required to transfer the NCB to another vehicle. One can get the NCB transferred within 90 days of their previous policy expiration date

Note: The NCB cannot be transferred from one insured to another 

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Download Your Shriram Motor Insurance Policy

Step 01

Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Motor Insurance account

Step 02

Enter your vehicle’s insurance policy number and click "Download" to get the policy document

Note: An insured can also receive Shriram Motor Insurance policy document via email

Frequently Asked Questions about Motor Insurance

Why should I buy/renew my Motor Insurance policy online?

The benefits are:

  • Purchasing motor insurance policy online makes the process easy
  • No paperwork is required to buy an online Motor Insurance
  • Multiple payment options via Credit Card, Debit Card or Net Banking
  • Highest levels of security

For how long is my Motor Insurance policy valid?

Your Motor Insurance policy cover remains in force for 12 months from the date of commencement (or as otherwise shown on your policy schedule)

What happens to NCB if I claim Motor Insurance?

NCB is forfeited only if you file a claim within the policy period or fail to renew the Motor Insurance policy within 90 days of its expiration

Can my insurance policy provide me protection when I am taking my vehicle Out of India (abroad)?

Yes, the vehicle driving abroad can also be covered by taking the Geographical Extension Cover. They are 1) Bangladesh 2) Bhutan 3) Nepal 4) Pakistan 5) Sri Lanka 6) Maldives Rs.500/ per vehicle, irrespective of the class of vehicle (Package Policy) Rs.100/ per vehicle, irrespective of the class of vehicle. (Liability Only Policy)

What are the add-on covers of a Motor Insurance policy?

Electrical and Electronic Accessories, Bi-fuel System (CNG/PNG Kit) and Personal Accident Cover

Why is Third-Party Motor Insurance cover, not enough?

Third-Party (TP) motor insurance only covers other vehicles or property on the road. But Comprehensive Motor Insurance covers the vehicle against any damage caused to it depending on the add-ons availed while purchasing insurance for your vehicle

What is Zero Depreciation Cover in Motor Insurance?

A zero depreciation add-on cover can be availed for brand new vehicles and also can be opted for at the time of policy renewal. In a zero depreciation motor insurance policy, the entire claim amount is paid by the insurance company without considering the depreciation on the value of the vehicle

Is the premium calculation similar for commercial and private vehicles?

No. the premium calculation is different depending upon the vehicle category

What if the cheque through which payment was made gets dishonoured?

In this scenario, the policy will be cancelled and will be declared nullified. If a claim is reported after a policy issue and cheque dishonour, the claim will be denied

How much time does it take for claims to get settled?

Upon receipt of all the relevant claim documents along with the original repair invoice and satisfaction voucher/discharge voucher and NEFT details, the claim will be processed within seven working days (*T & C apply)

What is the minimum amount of claim to be processed? How many claims can be reimbursed in a policy period?

No, there is no such limit available. The insured can claim any amount up to the Insured Declared Value (IDV) of the vehicle from the insurer, at any time within the policy period

I have lost the insurance policy. Can I get a duplicate one?

Yes, you can approach the same office which had issued the policy with a written request. A nominal fee will have charged for issuing a duplicate policy copy

Can I take insurance policies from two different companies for the same vehicle at the same time?

No, a person can have only one insurance policy for a vehicle at a time. If he/she has two policies, they can cancel one of them and the applicable refunds will be processed considering the double insurance status

What our customers say ?

What our customers say

Divyansh says,

Shriram General Insurance is the best travel insurance and i can confidently recommend.Truly the best online travel insurance site in India. Thanks to Shriram General Insurance !.

Vidit says,

Shriram General Insurance has a very encouraging overseas travel insurance program for us. Overall it's very nice

Malik says,

I had some doubts when reading the terms and conditions of my travel insurance. I called the Shriram General Insurance helpline and they cleared up most of my doubts.

Prakash says,

SGI Health Insurance currently administers my health insurance policy. I still have a bonus and there hasn't been a claim. This insurance covers all hospitals for cashless payments. Customer support is excellent.

Apeksha says,

This group health insurance policy, which has a Rs. coverage amount, was obtained from Shriram General Insurance. They have connections with several hospitals and also offer cashless medical care.

Ashwin says,

“I am satisfied with Health insurance claim service” Got my Health  insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

Chiranjeev says,

My Commercial Vehicle Insurance is the best. These are very good, helpful and wonderful people. I am pleased to join Shriram General Insurance commercial vehicle insurance plan.

Purushottam says,

For commercial vehicle insurance, I can suggest Shriram General Insurance with confidence. I'm relieved that my vehicle is now protected and secure, I appreciate Shriram General Insurance!

Santram says,

Shriram General Insurance provides me with a commercial vehicle insurance policy that fully protects the vehicle for a comparatively small outlay of money. Excellent customer satisfaction policy, I'm pleased!

Amritlal says,

After taking into account all other plans available, I decided to go with Shriram General Insurance for my personal insurance policy. I am extremely pleased with the outcome of my claim and the amount of time and accuracy put into it.

Meghna says,

Taken the personal insurance policy with Shriram General Insurance company around 5 years ago. My colleague is suggested me to take the policy from here. The claim ratio is more compared to others. This was taken for my family benefits and customer service is good. Thank you SGI!!

Mohan says,

Five years ago, I chose to invest in a personal insurance policy with Shriram General Insurance Company after being recommended by a colleague. They had one of the best claim ratios and the customer service is great. Taking out this policy has benefited my family immensely and I'd like to take this opportunity to thank Shriram General Insurance for their excellent services.

Akanksha says,

I recently took out a home insurance policy with Shriram General Insurance and it covers me if there is any destruction to my property due to natural disasters such as earthquakes. I am very pleased with their customer service and quick response times. This gives me peace of mind knowing that I have this policy in place.

Raveena says,

After consulting with many people, I chose to purchase my home insurance from Shriram General Insurance. The experience was quite pleasing & I am glad that I went with them as their policy has proven to be very satisfactory.

Tejas says,

Securing my future by taking home insurance from Shriram General Insurance was a great decision. Not only did I get protection from natural and man-made calamities, but the service provided was also excellent.

Shubham says,

The add-on covers on my policy were extremely helpful. I got my claim easily and also reserved my NCB.And Shriram has made it so easy to renew any policy online without any tussle, trouble.thank you Shriram General Insurance!

Amandeep says,

Shriram General Insurance Co. Ltd is a trustworthy partner to me. They have a sincere and genuine approach towards settling claims, which I highly appreciate and value. They made it easier for me to manage through the tough times.

Satyaprakash says,

Shriram General Insurance truly stands out with the great service they provide – claims are processed quickly and effortlessly. I am very appreciative of their support! The quick and stress-free claim process made life easier for me during a trying time.

Shakeel says,

Shriram General Insurance really offer affordable two wheeler insurance premium. When my bike was damaged in an accident, I was stressed out but their two wheeler insurance executive took care of the situation quickly & efficiently. Thanks to Shriram General Insurance!

Samantha says,

I recently got a two-wheeler insurance policy from Shriram General Insurance and had a great experience. The website was incredibly user-friendly and all the relevant information was easily accessible. I'm glad my two-wheeler is safe and secure now - thank you Shriram General Insurance!

Vandana says,

My friend working for Shriram General Insurance suggested I take out a two-wheeler insurance policy from them. I've been renewing it before its expiry ever since and have been pleased with the service.I recently visited their branch and decided to renew my policy with them. The reason I chose them was because they provide first-party insurance with utmost claim amounts, plus this policy includes bumper to bumper coverage.

Chetan says,

I was thoroughly satisfied with my decision to get car insurance from Shriram General Insurance. Not only did I find their rates quite reasonable, but the policy coverage was also adequate. I am especially impressed with how efficiently and smoothly they handled my claims.

Ankit says,

I can confidently recommend Shriram General Insurance for car insurance as I have been a loyal customer for the last 5 years. Their claims process is very efficient and they respond swiftly to their customers in comparison to the other providers.

Rahul says,

I recently switched to Shriram General Insurance for my car insurance and I'm glad I did. The customer service is great, and the policy was issued instantly. I am Very impressed with their services!
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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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