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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

Nil Pending
Complaints

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

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

Insure Now

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

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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

Sections	Cover	Interest	Sum Insured	Coverage Amount
Section – I	Personal Accident	Self Spouse Children (per Child)	1,00,000/- 1,00,000/- 50,000/-	Subject to a maximum of Rs. 250000
Additional Benefit	Medical Expenses per Amputation	Self, Spouse, Children	5000/-
Section - II	NO	YES	YES	YES

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

Sections	Cover	Interest	Sum Insured	Coverage Amount
Section – I	Personal Accident	Self Parent (Father) Parent (Mother)	1,00,000/- 75,000/- 75,000/-	Subject to a maximum of Rs. 250000/-
Additional Benefit	Medical Expenses per Amputation	Self, Spouse, Children	5000/-
Section - II	NO	YES	YES	YES

What is Covered?
What is not Covered?

Fire

Lightning

Explosion/Implosion

Strike/Riot

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

Accident

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

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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?

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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)
- 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)

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General Cover Premium Claim Policy

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 ?

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!