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 !.
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A two-wheeler insurance policy protects bike owners against unforeseen expenses in the event of an accident, theft, natural and man-made disasters
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Over 60 Lakh
Happy Customers
Third-Party coverage is mandatory according to Section 146 of the Motor Vehicles Act, 1988. The TP policy only covers the third-party liabilities (vehicle & injury to the opponent vehicle owner).
An Own Damage (OD) cover is focused on insuring your vehicle against damages arising from accidents, calamities and so on
A Comprehensive Coverage provides benefits of Third-Party cover and Own Damage cover. With Shriram Comprehensive policy, choose add-ons to enhance your coverage
Shriram Two-Wheeler Insurance premiums are determined by variables such as vehicle make, model/variant, year of manufacture, Insured Declared Value (IDV), insurance plan opted and add-on coverages
Two-wheeler insurance premiums are calculated based on the make and model of the vehicle
The manufacturing year of the vehicle is an essential factor in determining the IDV of the vehicle
The Insured Declared Value (IDV) represents the vehicle's current value. IDV is the maximum amount the insurer will pay in the event of a total loss
In India, two-wheeler insurance is mandatory. The premium for Third-Party two-wheeler insurance is determined by the bike's cubic capacity. Two-wheeler stand-alone own damage insurance premiums differ from company to company
Add-ons can be selected based on individual needs. The total premium paid will be the sum of the basic policy and add-ons
An insured who has not claimed their own damages for the previous policy period can get a Own Damage premium
With Shriram General Insurance's digital-friendly platform, renewing a bike insurance policy is simple and easy. With just a few clicks, one can purchase or renew their two-wheeler insurance anywhere, anytime. Online renewal offers the following benefits:
There are several ways to save the cost of your two-wheeler insurance premiums. By taking these factors into consideration, individuals can save on their spending on two-wheeler insurance premiums
Shriram General Insurance offers various two-wheeler insurance plans. It is up to the insured whether to protect their vehicle with third-party insurance or comprehensive insurance. But it is advisable to get comprehensive two-wheeler insurance policy for better coverage
Make sure you are cautious when purchasing add-ons. It is recommended to buy add-ons only if they are needed. Adding random add-ons to a two-wheeler insurance policy will increase the premiums
A deductible is the amount of money you must pay out of pocket toward a claim before your insurance company will cover the rest. The higher your deductible, the lower your premium, but also keep in mind one has to be prepared to pay more out of pocket during a claim
If you have never claimed any own damages from your insurance company in the previous policy period, you are capable of getting a No Claim Bonus on Own-Damage premium during policy renewal
According to Section 146 of the Motor Vehicles Act, 1988, it is mandatory to get a Third-Party (TP) two-wheeler insurance cover. Comprehensive Insurance provides coverage for Own Damage and Third-Party damages due to unforeseen disasters
Renew your policy before the expiry of the existing policy. Renewing on time keeps your vehicle protected against risk without any break-ins. You can also benefit from a No Claim Bonus (NCB) for claim-free years on your Own Damage premium
To reimburse personal accident hospital expenses, you must take Compulsory Personal Accident (CPA) cover. One can buy CPA coverage along with the standard insurance policy for additional cost
If your bike insurance policy expires, you will no longer be protected against any damages, losses, or liabilities that may arise due to accidents, theft, or other unforeseen events. In case of an accident or damage to your bike during the period of non-coverage, you will have to bear the repair costs and any other liabilities that may arise.
In September 2018, the Supreme Court ordered IRDAI to mandate 5-year insurance coverage for all new two-wheelers. The objective is to ensure maximum two-wheeler insurance coverage and to reduce the number of lapsed, expired, and uninsured vehicles. It is important to note that TP bike insurance coverage is only required for 5 years.
A bike insurance policy keeps an individual from incurring unforeseen expenses in the event of an accident or theft. When an accident occurs, a third-party bike insurance policy helps pay for the damages to the other vehicle involved in the accident (the third party).
There are no restrictions on the number of claims you can submit in a year. It is important to remember that raising a claim once will affect the No Claim Bonus (NCB), and multiple claims within the same policy year will increase the premiums.
There are several ways to save money on two-wheeler insurance. The first step is to compare insurance policies from different insurers and choose the one with the most coverage at the lowest premium. Another advantage is that long-term policies are affordable. The premium amount can also be reduced by installing anti-theft devices.
Yes. Under the Motor Vehicles Act, 1988, you must have a third-party bike insurance before riding a two-wheeler
Insurance policies for bikes cost between Rs 1,001 and Rs 5,000 on average in India.
Grace period is a 30-day extension given to policyholders after their policies expire. Some insurers even offer longer periods so that you can renew your two-wheeler insurance without any stress.
Add-on coverage is an option for extending coverage of a standard two-wheeler insurance policy against the payment of an additional premium. It is possible to purchase these add-ons with comprehensive bike insurance plans and standalone own-damage bike insurance plans.
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Renew Shriram Two-Wheeler Insurance policy any time from the comfort of your home
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Get No Claim Bonus (NCB) on your Own Damage insurance premium
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Insuring your vehicle with Shriram General Insurance is simple, instant and effortless
An insured can enhance the benefits of a Shriram Comprehensive Two-Wheeler Insurance policy by opting for add-ons. An add-on cover will give the extra advantage to the insured for an additional premium. Some of the add-ons are Motor Protection, Zero Depreciation and Consumables
Two-wheeler insurance provides key benefits to policyholders, including financial protection in the event of accidents, theft, or damage to the vehicle. In addition, most policies offer coverage for third-party liability, which can protect policyholders from legal and financial liabilities resulting from accidents involving their vehicle.
When buying two-wheeler insurance online, you can compare policies from multiple insurers to find the best coverage at the lowest cost. Online purchases are also convenient and save time, as you can buy insurance from the comfort of your home.
Two-wheeler insurance depreciation is the decrease in the value of the bike over time due to wear and tear. It is an important factor in determining the amount of compensation you will receive in case of a claim.
The scope of coverage of a Two-Wheeler Insurance policy will differ based on their chosen options. They are Comprehensive, Standalone Own Damage and Third-Party insurance policy
Types of Shriram Two-Wheeler Insurance
In India, it is mandatory to carry Third-Party Two-Wheeler Insurance according to Section 146 of the Motor Vehicles Act, 1988. A Third-Party (TP) two-wheeler insurance protects the bike owner from third-party liabilities. The Shriram Two-Wheeler Insurance policy provides coverage if your vehicle damages another person's vehicle/property or causes injury/death to another person. In case your vehicle causes third-party property damage, Shriram General Insurance Company will offer compensation up to Rs. 100,000/- for Two-Wheelers. And also provides unlimited personal liability coverage, i.e. whatever the court awards as the liability to the third-party due to accidental death or injuries caused by the insured vehicle
Coverage includes
Shriram Standalone Own Damage (OD) insurance policy aids in protecting your two-wheeler from damages due to various unforeseen mishaps like accidents, theft, natural and man-made disasters. A Standalone Own Damage insurance policy covers the vehicle owner and his vehicle from such damages. It does not cover any third-party liabilities arising due to an accident. Hence, Third-Party two-wheeler insurance policy is mandatory before purchasing a Standalone Own Damage insurance policy
Coverage includes:
All of the coverage provided by Third-Party and Own Damage cover (damage/losses to your two-wheeler) are included in Comprehensive Two-Wheeler Insurance. Compulsory Personal Accident (CPA) coverage of Rs. 15 Lakh is always included with Shriram Comprehensive Two-Wheeler Insurance policy. A comprehensive insurance policy provides coverage for third-party liabilities and own damage accidents like theft of the insured bike, accidental damage, fire damage, natural calamities (such as floods, storms and earthquakes) and man-made disasters (such as riots and strike)
As per the latest circular by the IRDAI, on 1st September 2018, after honourable Supreme Court order, it is mandatory to have five years insurance policy for a new two-wheeler in India. At Shriram, a Long-term Two-Wheeler Insurance policy is available to cover your two-wheeler for two years, three years and five years in one go. The ideal reason is to combat the non-renewal of two-wheelers and encourage people to buy or renew mandatory Two-Wheeler Insurance (TP liability policy) on time. Though, Two-Wheeler Insurance for three years is not compulsory for older vehicles. Still, investing in Long-term Insurance cover is a wise choice because it offers multiple benefits on the two-wheeler insurance policy premium. Also, it helps defend the yearly increases in third-party premiums
if you are one of those who skips renewing the bike insurance policy on time, a Long-Term Two-Wheeler Insurance policy is the right choice for you
Choose any add-on or all of them at an additional premium for additional protection
It is mandatory to have a Personal Accident Cover as per Indian law. It provides coverage for any bodily injury or death of the owner-driver in case of unfortunate events
In case of an accident or breakdown, Roadside Assistance cover will provide the insured with immediate assistance. It includes providing vehicle breakdown support to the insured, tyre repair service, battery jump-start assistance and towing facility to the nearest garage
A PA Passenger Cover provides additional coverage at an additional premium. It protects your co-rider when they are met with any unforeseen accidents on the road
In the event of a two-wheeler accident involving an insured vehicle, Shriram Two-Wheeler Insurance policy provides the insured with an advocate to guide and defend before the police and judicial magistrates
In case of any accidental injury involving an insured vehicle leading to hospitalisation as an inpatient, we will pay an amount of Rs. 1500/- daily for a maximum of up to 30 days (T&C apply). The reimbursement can be claimed post-discharge from the hospital by submitting the required documents
If the insured loses their official driving license (DL) or registration certificate (RC) or both, we will provide compensation of up to Rs. 500/- or actual costs, whichever is lower, to get a duplicate copy of the DL/RC
The insured will get daily expense reimbursement as mentioned in the policy to meet the cost of hired transport when the vehicle is damaged. This is applicable when the insured vehicle must be laid up in an authorised garage/service station for repairs of accidental damages for more than three day
In the event of a loss or damage to the personal belongings, you will be compensated for the loss with the support of personal belongings add-on cover.
One can enhance the benefits of a Shriram Comprehensive Two-Wheeler Insurance policy by purchasing add-ons. An add-on cover will give maximum coverage to the insured for an additional premium. Some of the add-ons are Motor Protection, PA for Unnamed Persons and Zero Depreciation
A comprehensive bike insurance policy for one year covers both third-party liabilities and own damage to the insured bike. Accidents, theft, natural disasters, and man-made calamities are covered by the policy.
The Comprehensive policy covers third-party liability and any damages caused to the insured bike as a result of accidents, theft, natural disasters, and man-made calamities. A Third-Party policy, however, covers only third-party liabilities, such as property damage, bodily injury, and death resulting from an accident.
Own-damage two-wheeler insurance covers only your bike's own damages, such as those caused by accidents, theft, natural disasters, and man-made catastrophes.
Typical Comprehensive policies cover both third-party liabilities and damage to the insured bike caused by accidents, theft, natural disasters, and man-made calamities. A Third-Party policy covers only the liability of third parties, including property damage, bodily injury, or death resulting from an accident with the insured bike.
Two-wheeler insurance policies can be classified into three types:
The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities
Fire, explosion, self-ignition or lightning, earthquakes, floods, typhoon, hurricane, storms, tempest, inundation, cyclones, hailstorm, frost, landslides or rockslides
Riot, strike, malicious act, accident by external means, terrorist activity and other violent activities
Burglary, theft, any damage in transit by road, rail, inland waterway, lift, elevator or air
Unlimited liability coverage, i.e. whatever the court awards as your liability to the third-party vehicle owner due to accidental death or injuries caused by your vehicle, will be met by the insurer
In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 100,000/- for two-wheelers
Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured under the influence of intoxicating liquor or drugs or wilful negligence
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
Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy
Consequential loss, depreciation, wear & tear, mechanical and electrical breakdown/failure or breakages will not be covered by the Shriram Two-Wheeler Insurance
The pillion rider is not covered under a comprehensive two-wheeler policy, but you can get Pillion Cover by paying an additional premium. The Sum Insured can range from Rs. 10000/- to Rs. 200000/- (in multiples of 10000 only)
A Third-Party two-wheeler insurance policy protects the insured from legal liability, including death/bodily injury to a third party or damage to their property
A comprehensive two-wheeler insurance policy in India covers various risks such as accidental damage, theft, natural disasters like floods, earthquakes, storms, and man-made disasters like riots, strikes, etc. It also covers third-party liability for bodily injury, death, and property damage caused by the insured vehicle.
Yes, bike damage is typically covered by insurance, provided it is caused by a covered peril such as an accident, theft, or natural calamities.
There are three types of bike insurance in India: third-party liability, comprehensive coverage, and own damage coverage.
Comprehensive motorcycle insurance plans exclude coverage for the engine of the vehicle, so if an unfortunate mishap occurs, you will be faced with unexpected expenses. An engine protection cover for bikes will protect you if you incur repair/replacement costs due to lubricant leakage, water intrusion or hydrostatic lock.
The purpose of own damage coverage is to cover any losses sustained by the insured bike due to unforeseen events, such as accidents, earthquakes, theft, riots, fire, etc.
Personal accident insurance for two-wheelers provides compensation for accidents and deaths to the vehicle owner or dependents.
A deductible refers to the fixed amount of money that you must pay out of pocket for each claim before your insurance provider covers the remaining expenses.
Comprehensive coverage typically includes damages caused by accidents, natural disasters, theft, fire, riots, and third-party liability.
| Benefits and Coverage | Third-Party Insurance | Comprehensive Insurance |
|---|---|---|
Own damage to two-wheelers due to an accident |  |  |
Own damage to two-wheelers due to fire | | |
Own damage to two-wheelers due to natural calamities | | |
Third-Party damage to the vehicle | | |
Third-Party damage to property | | |
Compulsory Personal Accident (CPA) Cover | | |
Theft of the two-wheeler | | |
No Claim Bonus (NCB) | | |
Add-ons | | |
The major advantage of buying a two-wheeler insurance policy online include:
Despite being slightly more expensive, Comprehensive coverage covers more expenses during unforeseen events. Own Damage is ideal for people seeking a cost-effective policy that will not pinch their pocket, but still insure their bike in the event of damage.
To compare premium rates of two-wheeler insurance policies, you can visit the websites of different insurance providers and enter the details of your vehicle and coverage requirements. This will give you a premium quote for each policy. You can also use online insurance comparison portals to get premium quotes from multiple providers at once.
A premium is a payment made to an insurer for the purchase of a policy. Shriram Two-Wheeler Insurance premium will be calculated based on various factors, such as the policy chosen, cover types, add-ons and policy period
Third-party liability insurance is mandatory in India. Bike insurance premiums are calculated based on the engine's cubic capacity and IDV
Own Damage premium is paid to get coverage against various natural and man-made disasters. The Own Damage premium will vary from company to company
As two-wheeler accident cases rise, the government has made Personal Accident coverage mandatory. The minimum sum insured for risk coverage is Rs.15 lakh
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A vehicle add-on provides enhanced protection for the vehicle. Premiums are determined by the type of add-on selected by the insured. Some of the add-ons are zero depreciation cover, motor protection cover, engine and roadside assistance
The two-wheeler's IDV (Insured Declared Value), its age (if it's a used vehicle), zone/city of registration, engine cubic capacity, previous year's claim status and no-claim bonus status
Personal Accident Cover is an optional add-on cover that can be included in a bike insurance policy to provide financial assistance in case of accidental injury or death of the policyholder while riding the insured bike.
Currently, there is no provision for paying two wheeler insurance premiums in installments.
If you do not renew your two-wheeler insurance policy on time, it will lapse. Non-renewal of the policy also results in the loss of NCB (No Claim Bonus).
Any individual who is 18 years or above with a valid driving licence
The person must own a vehicle with an original RC to purchase Shriram Two-Wheeler Insurance online at ease
The process is completely paperless and there is no need to upload a scanned copy of the documents to get your bike insurance
Others (If required by the claims team correlating with the vehicle type and severity of the accident
No. The Third-Party (TP) liability policy is a mandatory requirement as per Section 146 of the Indian Motor Vehicles Act, 1988. Shriram Two-Wheeler Insurance policy covers the liability of the owner of the vehicle against Third-Party damages
A vehicle registration certificate, a driver's license, and an identity proof such as PAN Card, passport or Aadhar card may be required. In addition, you may need to provide proof of your address, such as a utility bill or rent agreement, as well as a passport-sized photo.
Yes, it is mandatory to have a valid driver's license to be eligible for two-wheeler insurance in India. As per the Motor Vehicles Act, 1988, it is illegal to ride a two-wheeler without a valid license.
To purchase two-wheeler insurance, policyholders must be at least 18 years old.
You can instantly purchase a Shriram Two-Wheeler 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
Provide the basic details to estimate the premium
Enter basic details of the vehicle owner and choose the policy cover and add-ons
Complete your online payment & get instant two-wheeler insurance
With Shriram General Insurance, online Two-Wheeler Insurance renewal is quick and hassle-free. You can renew your insurance policy through three simple steps without paperwork.
Check the given existing details of your two-wheeler with the original RC to estimate the renewal premium
Selection of new coverages along with your existing policy
Complete your online payment & renew the two-wheeler insurance policy
Modes available currently are as follows:
Yes, Shriram's bike insurance can be renewed online. Customers can renew their policies without visiting our physical branch. To renew bike insurance, customers can visit https://www.shriramgi.com/two-wheeler-insurance/how-to-apply-or-renew or the My SGI App.
You can renew your insurance policy in three simple steps:
You can renew your policy by visiting the Shriram General Insurance website. You will need to provide personal information and policy details. Alternatively, contact your insurance company's customer support agents via phone or email to renew your policy. We also offer renewal options through our Shriram One mobile app. Make sure to check your policy renewal date to avoid lapses in coverage.
You can buy a Two-Wheeler Insurance policy online on Shriram General Insurance by following these simple steps:
Alternatively, you can also call the Shriram General Insurance customer care number at 1800-300-30000 for any assistance.
With Shriram General Insurance, your claim settlement process is stress-free now
You can file 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. You will be contacted by our customer service team and guided through the entire insurance claim process
You are requested to provide the details of the accident
Please provide the address for the primary two-wheeler inspection
Kindly provide the vehicle kilometre reading (distance travelled by a vehicle)
Kindly mention the date and time the accident took place
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
No, there is no such limit available. The insured can claim the amount up to the IDV of the vehicle from the insurer, at any point in time within the policy period
To register your claim, please call our toll-free number or send an email to our customer support. You can also directly intimate the claim using the MYSGI app to initiate a claim
You can login to our website/MYSGI app with the policy number to check your Shriram Two-Wheeler Insurance policy claim status
A bike scratch is generally not covered by insurance policies since it is considered to be a minor damage. Generally, insurance policies cover accidents, natural disasters, theft, and other causes of damage.
In the case of a bike accident, the amount that can be claimed depends on several factors, including the severity of the accident, the extent of the damage, and the insurance policy's coverage. To determine the specific coverage and limits for your situation, you should consult with your insurance provider.
Yes. You can claim a bike insurance without filing an FIR. However, FIR is mandatory for cases that involve third party, malicious damages, theft, etc.
It is important to notify your insurer about the accidental damage to your vehicle. Our customer support team shall guide you with the required process.
It's crucial to keep a few things in mind when filing a two-wheeler insurance claim. The first step is to make sure you understand what your insurance policy covers. Report an accident to the insurance company as soon as possible and provide all the necessary details. Make sure you keep all the relevant documents, such as the policy document, RC book, and driving license, safe.
You can file a two-wheeler insurance claim online. Online claim filing is now available on the Shriram General Insurance Website or My SGI App. To file a claim online, you need to provide the required details such as the policy number, date and time of the accident, details of the damage or loss, and other necessary information. You may also need to upload supporting documents such as photographs or videos of the damage.
There is a maximum amount you can claim under a two-wheeler insurance policy based on the type of policy and the coverage amount. The Motor Accident Claims Tribunal limits third-party liability policies to 7.5 lakhs. A comprehensive policy, on the other hand, has a limit based on the vehicle's Insured Declared Value (IDV).
The depreciation value for your two-wheeler insurance claim is calculated based on the catogory of the parts( Plastic/ Rubber, Metal & Glass) & age of your bike and the applicable depreciation rate. The rate of depreciation varies depending on the parts and their age.
For two wheeler insurance policies that offer personal accident protection cover, the insured gets 100% of the sum insured if the accident results in total disability, and 50% if the accident results in partial disability.
No, you cannot claim bike insurance without the RC (Registration Certificate) of the bike as it is a mandatory document that proves ownership of the vehicle. The RC contains details like the bike's engine number, chassis number, and registration number, which are required to process an insurance claim.
The IDV (Insured Declared Value) represents the maximum amount that an insured should receive in compensation for total damage or loss to the vehicle. It is the current market value of the insured's vehicle. IDV is the amount that an insured can claim for reimbursement for damages caused to an insured vehicle
The insurance claims are requests by the insured to compensate the insurer for expenses/damage incurred because of an unfortunate event involving their vehicle. It depends on the vehicle's Insured Declared Value (IDV) and the type of insurance policy they purchased - Third-party, Own Damage or Comprehensive. There are two ways to settle a claim: Cashless Claim and Reimbursement Claim
A No Claim Bonus is given to those insured who have not claimed during their policy period. Your NCB keeps increasing with consecutive claim-free years until it reaches up to 50% on the Own Damage premium for your vehicle
The add-on covers provide insureds with added coverage for an additional premium. By extending the coverage of the Shriram Two-Wheeler Insurance policy, the two-wheeler owner can address various tough situations at ease. The add-ons include Zero Depreciation, Key Replacement and Return to Invoice
An Endorsement is an amendment or addition to an existing insurance contract that changes the terms or scope of the original policy. An insurance endorsement may be used to add, delete, exclude or otherwise alter coverage
Compulsory deductible is also known as compulsory excess in two-wheeler insurance as specified by the IRDAI. The insured has to bear a certain part of the claim amount as deductibles during a claim process
When a two-wheeler insurance claim is made, it impacts the policyholder's no-claims bonus (NCB). It will help to reduce the premium amount offered by the insurer for not making any claims during the previous policy period.
If the claim amount exceeds the IDV, the policyholder will have to bear the additional expenses. It is, therefore, important to set the IDV correctly based on the market value of the bike at the time of policy purchase.
A standalone own damage bike insurance policy covers only your own vehicle against damages and losses.
The Insured Declared Value (IDV) is the maximum amount that a two-wheeler insurance company will pay in case of a total loss or theft of the insured bike.
Visit the SGI website/MYSGI App home page and scroll to the top to access your Shriram Two-Wheeler Insurance account
Enter your two-wheeler insurance policy number and click "Download" to get your policy document
Note: An insured can also receive Shriram Two-Wheeler Insurance policy document via email tooHere are the steps you need to take:
If you want to know your bike insurance details through its registration number, you can use the following methods: Visit the Ministry of Road Transport and Highways website, parivahan.gov.in, click "Online Services" and select "Vehicle Related Services".
The insured has to reach us through the branch and apply for policy cancellation with a proper reason for cancellation. Immediately the request will be processed and the Own Damage (OD) part of the policy will be cancelled with an applicable refund. Since the TP-only policy is mandatory as per Section 146 of the Motor Vehicles Act, 1988, it cannot be cancelled. Once the insured presents documents of the TP policy of the same vehicle from another insurer, the TP policy will be cancelled by us
Yes, you can sell the two-wheeler to another person. As a process, we will change the name of the buyer through name transfer endorsement and the policy will be transferred to a new owner. The buyer has to apply for an insurance transfer in his name with us within 14 days from the vehicle transfer date
Following are the types of Shriram Two-Wheeler Insurance policy period
Your vehicle will be protected against theft, loss and damage under the Shriram Comprehensive Two-Wheeler Insurance policy. In the event of an accident, this coverage will also cover the owner's or rider's accidental expenses. It covers third-party liabilities and own damage losses as well
Any two-wheeler accident that occurs while using an insured vehicle will be covered by Shriram Two-Wheeler Insurance policy and you will be provided with an advocate to represent you in police proceedings and judicial proceedings
No, you cannot pay the premium in instalments. As per Section 64VB of the Insurance Act, 1938, no risk can be started unless the premium is received in advance
In case of an accident or theft, you should immediately contact the insurance provider about the occurrence and lodge a First Information Report (FIR) at the police station and raise a claim
It is now required to link Aadhaar with insurance plans, according to the insurance industry's regulatory body, IRDAI (Insurance Regulatory and Development Authority of India)
The Two-Wheeler Insurance claim will be processed within seven working days on receipt of all the relevant claim documents along with the original repair invoice & satisfaction voucher/discharge voucher & NEFT details
Your Shriram Two-Wheeler Insurance policy number is the bike's unique identification number. On the Shriram Two-Wheeler Insurance policy document, you'll find an 8 to 10-digit number. You can also view this policy number on Two-Wheeler Insurance E-copy
No, the Third-Party (TP) two-wheeler insurance policy is mandatory according to Section 146 of the Indian Motor Vehicles Act of 1988. The Shriram Third-Party Two-Wheeler Insurance covers the owner's legal responsibility to third-party liabilities. However, buying a comprehensive policy that includes Third-Party (TP) and Own Damage (OD) coverage is advisable
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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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