Shriram Car Insurance is a popular insurance policy offered by Shriram General Insurance, a leading non-life insurance company in India. Shriram Car Insurance is designed to provide comprehensive coverage to car owners in India.
The policy offers protection against a wide range of risks, including accidents, theft, natural disasters, and third-party liabilities. The policy can be customized to suit the specific needs of the policyholder, with a range of add-on covers available, such as zero depreciation cover, engine protector cover, and roadside assistance cover.
The Shriram Car Insurance policy also offers a range of benefits, including cashless claims settlement at networked garages, 24x7 customer support, and a hassle-free claims process.
Policyholders can also enjoy discounts on their premium for installing anti-theft devices and for being members of recognized automobile associations.
Shriram Car Insurance Online offers a range of key features and benefits to car owners in India. Some of them are listed below:
Easy online application process to buy or renew policy quickly and easily
Hassle-free documentation process, with no paperwork required
Instant policy issuance, with the option to print the policy document online
Comprehensive coverage for accidents, theft, natural disasters, and third-party liabilities
A range of add-on covers to customize the policy according to the policyholder's specific needs
Cashless claims settlement at network garages
24x7 customer support for policyholders
Affordable premiums, with discounts available if anti-theft devices are installed and if policy applicant is a member of recognized automobile associations.
No processing fee for buying or renewing policy online.
No-claim bonus for policyholders who do not make any claims during the policy period.
Roadside assistance cover to provide emergency assistance in case of a breakdown or accident.
Personal accident cover for the policyholder and co-passengers
Shriram Car Insurance offers a range of add-on covers that can be customized to suit the specific needs of the policyholder. These add-on covers provide additional protection and enhance the coverage provided by the base policy.
Here are some of the add-on covers available with Shriram Car Insurance:
Zero Depreciation Cover: provides full coverage for the cost of repairing or replacing damaged parts of the car without factoring in the depreciation of the vehicle.
Engine Protector Cover: protects against damage to the car's engine due to water ingression, oil leakage, or any other mechanical or electrical breakdown.
Return to Invoice Cover: provides coverage for the invoice value of the car in case of theft or total loss due to an accident.
Consumables Cover: provides coverage for the cost of consumables such as engine oil, brake oil, and coolant, which are not covered under the standard policy.
Roadside Assistance Cover: This cover provides emergency assistance in case of a breakdown or accident, including towing services, battery jump-start, and fuel delivery.
Personal Accident Cover: provides coverage for the policyholder and co-passengers in case of accidental death or permanent disability.
No-Claim Bonus Protector: allows policyholders to retain their no-claim bonus even if they claim during the policy period.
Tyre Protect Cover: provides coverage for the cost of repairing or replacing damaged tires due to punctures, cuts, or bursts.
Key Protect Cover: provides coverage for the cost of replacing lost or damaged car keys.
Hospital Cash Cover: provides daily cash benefits in case the policyholder is hospitalized due to an accident.
Altogether, Shriram Car Insurance offers a wide range of add-on covers that can be customized to suit your specific needs.
Car owners need to know how to file a claim with their car insurance provider in case of an accident or damage to their vehicle. Shriram Car Insurance offers a simple and hassle-free claims process to help policyholders get their claims settled quickly and efficiently.
There are different scenarios when a claim request can be raised, including accidental damage to the vehicle, theft, natural calamities, and third-party liabilities. If any of these situations occur, you can file a claim with Shriram Car Insurance by contacting their customer support team or by visiting their website.
To file a claim, you will need to provide details about the accident or damage, including the time and location of the incident, the extent of damage to the vehicle, and any injuries sustained by the driver or passengers.
You will also need to provide supporting documents, such as a copy of the FIR in case of theft or accident, the driving license of the driver, and the insurance policy document.
Once the claim has been filed, you will need to get the vehicle inspected by a surveyor appointed by the insurance provider.
After the surveyor assesses the extent of the damage, you will be provided with an estimate of the repair costs.
If the repair costs are within the limits of the policy coverage, the insurance provider will settle the claim directly with the garage where the vehicle is being repaired.
You can file a car insurance reimbursement claim with Shriram Car Insurance through the company website, mobile app, or by visiting the nearest branch office.
Here are the steps to follow when filing a reimbursement claim:
Gather all the necessary documents, including bills and receipts for the repairs or expenses incurred.
Log in to the Shriram Car Insurance website or mobile app or visit the nearest branch office to initiate the reimbursement claim request.
Fill in the details of the claim, including the policy number, date and details of the incident, and the expenses incurred.
Upload all the necessary documents and submit the claim request.
The claim will be processed, and you will be informed of the outcome of the claim request.
You should ensure that you file the reimbursement claim within the stipulated time frame mentioned in the policy document to avoid any delays or rejections.
Documents required for a cashless claim with Shriram Car Insurance include the policy document, driving license, and vehicle registration certificate.
For a reimbursement claim, you will need to provide bills, receipts, and other relevant documents related to the expenses incurred.
While Shriram Car Insurance aims to settle claims quickly and efficiently, there are instances when a claim may be rejected.
Some potential reasons for claim rejection include providing false or incorrect information, driving under influence of drugs or alcohol at the time of the accident, driving without a valid license, and failing to report the incident to the police within a certain time frame.
Additionally, claims may be rejected if the policyholder does not comply with the terms and conditions of the policy.
Shriram Car Insurance offers a no-claim bonus to policyholders who do not make any claims during the policy period.
The bonus can be availed as a discount on the premium for the next policy period. The discount percentage increases with each consecutive claim-free year, up to a maximum of 50%.
To be eligible for the no-claim bonus, the policy must be renewed without a break. If a claim is made, the no-claim bonus is reset to zero.
Shriram Car Insurance provides a premium calculator tool that helps policyholders estimate the premium payable for their car insurance policy. A car insurance premium calculator is an online tool that uses various parameters to calculate the premium for a car insurance policy. Premium is the amount that policyholders pay for the insurance coverage provided by the insurer.
The premium calculator takes into account several factors, such as the make and model of the car, the age of the car, the type of coverage required, your age and location, and no-claim bonus eligibility, among others. By inputting these parameters, you can get an estimate of the premium payable for your car insurance policy.
For using the Shriram Car Insurance premium calculator, you need to visit the insurer's website and have to click the premium calculator tool. You will then be prompted to enter some details about your car and the type of coverage you require. Once all the details are entered, the calculator will provide an estimate of the premium for the policy.
Using a car insurance premium calculator provides several benefits to policyholders. Here are some of the main benefits of using a car insurance premium calculator:
Budget Planning: It provides an estimate of the premium for your insurance coverage. This helps them choose the most affordable coverage option that meets your insurance needs.
Time-Saving: A premium calculator tool is a quick and convenient way to estimate the cost of car insurance coverage. It saves time that would otherwise be spent contacting insurers or agents to get quotes.
Understanding Insurance Costs: A premium calculator can help policyholders understand how different factors affect the premium for their car insurance policy. They can see how choosing different levels of coverage, deductibles, and other factors can impact the cost of insurance.
Comparison Shopping: Using a premium calculator tool can help policyholders compare the cost of insurance coverage from different insurers. This can help them find the most affordable and suitable policy for their needs.
Avoiding Overpaying: A premium calculator tool helps policyholders avoid overpaying for car insurance by providing an estimate of the premium based on the specific details of their vehicle and insurance needs.
For more information about Shriram Car Insurance, customers can visit the Shriram General Insurance website or contact their customer care number at 1800-300-30000.
The Shriram Car Insurance Policy Document is an important document that captures the details of the policy purchased by the policyholder. It serves as proof of insurance coverage and provides all the terms and conditions of the policy. It is important for policyholders to carefully review and understand the details mentioned in the policy document, as it outlines their rights and obligations under the policy.
The policy document captures important information such as the policyholder's name, address, contact information, policy number, vehicle details, coverage details, premium amount, deductibles, and any add-ons or riders opted for by the policyholder.
It also specifies the terms and conditions of the policy, such as the policy period, the procedure for filing a claim, exclusions, and other important details.
In case of any discrepancy or error in the policy document, you should immediately contact the insurance provider to rectify the issue.
It is recommended that you keep a copy of the policy document in a safe place, as you may need to refer to it in case of any queries or claims.
To download the Shriram Car Insurance Policy online using the policy number, follow these simple steps:
Visit the official website of Shriram General Insurance.
Click on the ‘Customer Support’ tab and select ‘Policy Download’ from the dropdown menu.
Select ‘Car Insurance Policy’ from the list of options.
Enter the policy number and other details as requested.
Click on the ‘Download’ button to download the policy document in PDF format.
Review the policy document carefully and save it for future reference.
It is important to note that you must have a valid policy number to be able to download the policy document online. If there are any issues with downloading the policy online, you can contact the customer support team for assistance.
To get a hard copy of Shriram's car insurance policy, you can contact the customer support team via phone, email, or chat. You can request a physical copy of the policy document and provide their policy details, including the policy number and personal information.
The customer support team will verify the details and process the request for the hard copy of the policy document. You can expect to receive the hard copy of the policy via post or courier within a few business days.
It is important to keep the hard copy of the policy document safe and easily accessible for future reference.
If you need to make changes to their Shriram car insurance policy document, you can contact the customer support team via phone, email, or chat.
The changes can include updating personal information, adding or removing coverage, changing the deductible amount, and more. The customer support team will guide you through the process and provide the necessary documents to complete the changes.
Once the changes are made, the updated details will reflect in the policy document. It is important to keep the policy document updated with the latest information to ensure that the you are adequately covered and compliant with the terms and conditions of the policy.
Renewing car insurance is an important aspect of owning a vehicle, and Shriram Car Insurance makes the process easy and hassle-free. The policy needs to be renewed before its expiry to continue availing the benefits of the policy.
Shriram Car Insurance policyholders can renew their policy online by visiting the company's website or through the mobile app.
Renewing your policy with Shriram Car Insurance comes with a range of benefits, including a no-claim bonus, reduced premium rates, and other discounts. Renewing the policy with the same insurer also helps in maintaining a consistent record of insurance, which can be beneficial in the long run.
The process for renewing a Shriram Car Insurance policy is simple. You can renew your policy online by providing the policy details and making the payment online. The company also offers a grace period of 30 days for policy renewal after the expiry date.
You can also opt for a policy renewal reminder service provided by the company, which sends alerts before the expiry date of the policy. This ensures that you never miss their policy renewal deadline and continue to enjoy the benefits of the policy without any interruption.
Third-party car insurance is a type of insurance that covers the policyholder against any legal liabilities arising out of a third party's claim. In other words, it protects you from any financial losses that may arise due to any damage caused to a third party's vehicle or property during an accident.
In India, it is mandatory to have at least third-party car insurance as per the Motor Vehicles Act, of 1988. This is because any damage or injury caused to a third party during an accident can result in a significant financial burden, which can be overwhelming for most people.
Third-party car insurance ensures that the policyholder is protected against any such liabilities and can cover the expenses incurred in case of any legal proceedings.
In addition to being mandatory, third-party car insurance is also a cost-effective option compared to comprehensive car insurance. While it may not cover damages to the policyholder's vehicle, it provides a basic level of protection that can save them from any significant financial losses.
Moreover, it is ideal for those who have older or less expensive cars, as the cost of repairing or replacing the vehicle may not be high enough to justify the cost of comprehensive car insurance.
Shriram Third-Party Car Insurance provides coverage against third-party liabilities that arise due to an accident. It covers the damages caused to third-party property, injury or death of a third party.
The policy also covers the legal expenses incurred in the event of a lawsuit filed against the policyholder due to the accident. However, it does not cover any damage caused to the policyholder's vehicle or any injuries sustained by the policyholder.
Shriram's car insurance policy covers damages to your car due to accidents, theft, natural disasters, fire, and third-party liabilities.
Yes, Shriram's car insurance policy can be purchased online through the company's website or mobile app.
Yes, it is mandatory to have third-party car insurance in India as per the Motor Vehicles Act, of 1988.
Yes, Shriram's car insurance policy includes a personal accident cover for the owner-driver of the insured vehicle.
Yes, you can transfer your existing car insurance policy to Shriram by submitting the necessary documents and completing the process.
Yes, you can add accessories to your car insurance policy with Shriram by paying an additional premium.
Yes, having a valid driving license is a mandatory requirement to purchase car insurance.
Yes, Shriram car insurance offers several add-on covers that can be added to the base policy for enhanced protection.
The minimum tenure for a car insurance policy is one year, and the maximum tenure is three years.
The grace period for renewing your Shriram car insurance policy is 30 days from the expiry date of the policy.