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  • Overview
  • Coverages
  • Key Features
  • Terminologies
  • Claim Process
  • FAQs

What is Shri Suraksha Insurance?

Shri Suraksha Insurance is a package policy issued as a protection shield to vehicle owners and their family members engaged in the operation and maintenance of vehicles against various threats

  • On the other hand, it also provides fire and allied risk cover against a residential building and its contents
  • All vehicle owners/person(s)engaged in the operation/maintenance of vehicles up to the age of 70 years are covered by this policy
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Nil Pending

Over 60 Lakhs
Happy Customers

Why Choose Shri Suraksha Insurance?

  • Shriram General Insurance offers hassle-free policy purchases, renewals and claims in no time
  • An instant Shri Suraksha Insurance policy can be obtained with a quick application process and minimal documentation
  • Shriram Home Insurance policy provides quick claims services, with a minimum turnaround time of one working day for all claim-related queries
  • We offer 24*7 claim support to ensure the timely resolution of claims
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Features of Shri Suraksha Insurance

Minimum Paperwork

The application process is easy and simple

Comprehensive Coverage

Enhanced protection with exclusive add-ons

Simple Claim Process

Instant claim approvals and quick claim settlement

24*7 Claim Support

Customer service is available round-the-clock

Get your Shri Suraksha Insurance in 3 Simple Steps


Call our Toll-Free number

  • Call (1800-300-3000/1800-103-3009) to avail a Shri Suraksha Insurance policy at your convenience and you will be guided by our dedicated customer support executives throughout the Shri Suraksha Insurance journey

Submit the required documents

  • Kindly submit the required documents – Aadhaar, PAN and identity/address proofs (Aadhaar Card, Passport) to proceed with the Shri Suraksha Insurance process

Complete the payment and get instant Shri Suraksha Insurance

  • Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shri Suraksha Insurance instantly

Benefits of Shri Suraksha Insurance

  • Easy application process with minimal documentation
  • Extensive protection with all risk coverage
  • Emergency claim settlements
  • 24*7 claim support at your disposal

Frequently Asked Questions

Who can purchase Shri Suraksha Insurance?

Shri Suraksha Insurance is available to people between 18 and 70 years old. There is a maximum risk coverage of Rs. 2 lakhs for accidental death and full disability and Rs. 1 lakh for partial disability under this policy

What are the add-ons available in Shri Suraksha Insurance?

There are 2 add-ons available for Shri Suraksha Insurance

  • Accidental Death
  • Accidental Total and Permanent Disability

In case of any of the above 2 events, an additional 50% of the sum assured is paid out in 12 monthly instalments and the policy would continue in case of disability till the end of the term or the life insured dies, whichever is earlier


Shri Suraksha Insurance policy has 2 types of compulsory coverage

Section I

An insured can choose Section I according to his marital status. It provides Personal Accident cover up to Rs. 2,50,000 on a floater basis. As stated in the policy document, an individual sum insured is fixed for self, spouse, children and parents

Section II

It covers vehicle owners/person(s) engaged in the operation/maintenance of vehicles and allied services for residential buildings/ contents against the risk of fire and allied perils. The maximum sum insured is Rs. 3, 00,000/-

If the insured owns the residential building, the risk covered under fire and allied perils are Rs. 2,00,000/- & Rs. 1,00,000/- for contents and if it is a rented house, then only contents are covered for Rs. 1, 00,000/-

An insured will have to choose one option for coverage according to the requirements

Option I – Married Vehicle Owners/person engaged in the operation and maintenance of the vehicle




Sum Insured

Coverage Amount

Section – I

Personal Accident



Children (per Child)




Subject to a maximum of Rs. 250000

Additional Benefit

Medical Expenses per Amputation

Self, Spouse, Children


Section - II





Option II - Unmarried Vehicle Owners/person engaged in the operation and maintenance of the vehicle




Sum Insured

Coverage Amount

Section – I

Personal Accident


Parent (Father)

Parent (Mother)




Subject to a maximum of Rs. 250000/-

Additional Benefit

Medical Expenses per Amputation

Self, Spouse, Children


Section - II





  • What is Covered?
  • What is not Covered?









Storms, cyclones, floods, hurricanes, earthquakes, inundation, bush fire, etc.


Intentional self-injury, suicide or attempted suicide


Intoxicating liquor or drugs


Accidents due to aviation or ballooning


Injuries arising from any breach of law with criminal intent


Civil war, rebellion, revolution, insurrection, mutiny, etc.

Note: Please refer to the policy wording for detailed coverage lists

Frequently Asked Questions

What are the additional benefits of the Shri Suraksha Insurance policy?

In case of accidental demise of the family head, the following additional death benefits are also payable

  • Marriage Fund - Rs. 25,000/-
  • Education Fund - Rs. 10,000/-

Accidental Death

In the event of an unforeseen accident, the nominee will receive 100% of the sum insured as per the personal accident policy. If the insured meets with an accident during the policy period and he/she passes away within 12 months of the incident, the insurer will pay the entire death benefits. This cover can secure the family’s financial needs after the absence of the policy holder

Accidental Total and Permanent Disability

If someone gets injured and becomes permanently handicapped for the rest of their life, the insurer will pay 100% of the sum insured as compensation. Suppose the insured person meets with an accident during the policy period that causes permanent total disability within 12 months from the date of the accident. In this instance, such an injury can be claimed under the coverage as the sole and direct cause of permanent total disability

Key Features of Shri Suraksha Insurance

Age Limit

  • From 18 to 70 years of age

Accidental Death Benefits

  • Up to 100% compensation for the loss of life insured

Additional Benefits

  • Marriage Fund - Rs. 25,000/-
  • Education Fund - Rs. 10,000/-

All Risks Coverage

  • Personal Accident Fire and Allied Perils

Age Limit

  • From 18 to 70 years of age

Frequently Asked Questions

Can the Shri Suraksha Insurance policy be claimed for income tax benefits?

A home insurance cover that protects the home and its contents from any losses that occur due to the burglary

Mention some of the key features of Shri Suraksha Insurance?

  • Shri Suraksha Insurance is a term plan with a ‘Death Benefit’
  • It is a term plan where the sum assured keeps increasing by Rs 5,000/- every year until
  • it reaches Rs. 2,00,000/-
  • There are additional rider benefits for:
  • Accidental Death
  • Accidental Total and Permanent Disability


The occurrence of any sudden, unexpected event, which may or may not cause injuries to the person involved

Permanent Total Disability

An injury that prevents you from moving permanently. It may include blindness, paralysis or loss of both legs

Frequently Asked Questions

What is Sum Insured?

The sum insured is the maximum amount paid by the insurance company when a claim is made for an insured event


Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement

How to Register Shri Suraksha Insurance Claim?

  • step 1
  • step 2
  • step 3
  • step 4
  • step 5

Intimate your Claim

  • Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)

    • Note: Please ensure that the following information is available at the time of the claim intimation
    • Policy Number/Proposal Number
    • Date and Time of the Accident
    • Survey location, where our loss assessor can survey the damages
    • Estimated loss/description

Claim Registration

Our customer support team will accept the claim intimation and provide the claim reference number

Claim Confirmation

Once the claim is registered and the loss assessor gets deputed, one will receive a text message for confirmation along with surveyor details. The surveyor will contact the policy holder regarding the time and conduct the survey accordingly

Submission of Required Documents

Please provide the REQUIRED DOCUMENTS mentioned to proceed further

Survey and Claim Settlement

  • After receiving the documents, our dedicated survey team will initiate the process. Once the survey is done, the funds will be directly sent to the recipient after verification
  • Note: Kindly contact our CHD /Surveyor when the property is ready for re-inspection, if the surveyor advised re-inspection

Frequently Asked Questions

How to intimate Shri Suraksha Insurance claim?

Intimate a claim via our Toll-Free number 1800- 300-30000/1800-103-3009 or Please download CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)


How does Shri Suraksha Insurance policy work?

  • In case of the demise of the Life Insured, the nominee gets the sum assured under the opted plan
  • The sum assured keeps increasing from Rs 1,00,000/- by Rs 5,000/- every year until it reaches Rs 2,00,000/- in 20 years
  • The sum assured would be paid out in 12 monthly instalments from the month of death of the life insured
  • In case of accidents, an additional benefit of 50% of the Sum Assured will be pa`id in 12 equal monthly instalments from the end of the month of death or total permanent disability
  • The policy will continue until the end of the policy term after paying the disability benefit. The policy holder has to pay the premium as per the contract and the basic cover will continue till the end of the policy term

Can I surrender my Shri Suraksha Insurance policy for benefit?

No. There is no surrender benefit under the Shri Suraksha Insurance policy

What happens if the policy holder stops paying the Shri Suraksha Insurance premium?

The policy would lapse if the policy holder stopped paying the premium. A lapsed policy can be re-instated by paying the interest on all due premiums within five years

What are the basic requirements to intimate the claim?

  • Policy Number
  • Estimated Loss/ Description
  • Date & Time of the Accident
  • Survey Location
  • Contact Details

Can a policy holder apply for a loan against Shri Suraksha Insurance?

No. A loan facility is not available under this policy

What our customers say ?

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