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Shriram Comprehensive Car Insurance
A comprehensive car insurance policy protects you from almost all types of risks. It not only covers third-party losses (like injury, death, or property damage caused to others) but also covers damage to your own car.
Shriram General Insurance offers a comprehensive plan that protects your car from accidents, theft, fire, natural disasters, and man-made incidents, along with third-party liabilities.
Benefits of Shriram Comprehensive Car Insurance
Here are some benefits of buying Comprehensive car insurance from Shriram:
- 01
It lets you add extra covers to increase protection for your car.
- 02
This policy provides personal accident cover up to Rs. 15 lakh for the car owner.
- 03
It covers damage to your own car in case of an accident or mishap.
- 04
Comprehensive insurance gives No Claim Bonus (NCB) up to 50% for claim-free policy years.
- 05
It covers bi-fuel kits if your car has one.
- 06
It pays for third-party losses if your car causes injury, death, or property damage.
- 07
This policy offers long-term policies for both comprehensive and third-party insurance.
- 08
It covers electrical and electronic accessories in your car.
- 09
The policy provides toll-free customer support every day of the week.
- 10
It also allows online claims and policy renewal for convenience.
Motor Insurance Plans By Shriram
What is Covered and Not Covered in Shriram Comprehensive Car Insurance?
What it Covers
Accidental damage
If your car is damaged in an accident, this policy will pay for the repair costs or loss.
Fire damage
If your car catches fire and gets damaged, this insurance will cover the costs.
Car theft
If your car is stolen, the insurance company will pay you the current market value (IDV) of your car.
Natural disasters
If your car is damaged because of a natural disaster like a flood, earthquake, cyclone, or landslide, this policy will cover the repair and replacement costs.
Third-party losses
If your car causes injury, death, or property damage to someone else, this insurance will pay for those losses.
Man-made incidents
If your car gets damaged due to riots, strikes, or terrorist acts, the insurance will cover the losses. Vandalism: If someone intentionally damages your car, the insurance will pay for the repair or losses.
In-transit damage
If your car gets damaged while being transported by road, water, or air, the insurer will cover the repair costs.
Personal accident cover
This policy also protects the car owner or driver. If the owner gets injured or dies in an accident, the insurance will provide financial help.
What Does it not Cover
Drunk driving
If the driver was driving after drinking alcohol, the insurance will not pay for any damage or loss.
Depreciation
If your car or its parts lose value over time, the insurance will not cover that loss of value.
Negligence by the owner
If you ignore warnings or act carelessly, the insurance won’t cover the damage. For example: Driving in a low area during a cyclone warning.
Electrical or Mechanical Breakdown
If your car’s engine or electrical system stops working due to a breakdown, you will need to pay for the repairs yourself.
Driving Without a Licence
If the person driving your car does not have a valid driving licence, the insurance will not cover any damage or loss.
Normal Wear and Tear
Damage caused by everyday use or the aging of the car is not covered.
Tyre or Tube Damage (Non-Accidental)
If your car’s tyres or tubes are damaged but there was no accident, the insurance will not pay for it.
War or Nuclear Risks
Any damage caused by war, war-like situations, or nuclear weapons is not covered by the policy.
Who Should Buy Comprehensive Car Insurance?
Here are the people who should choose a comprehensive car insurance plan:New Car Owners
If you have a new car, this insurance is very helpful. It protects your car from theft, accidents, and natural disasters, giving you peace of mind.
Frequent Travelers
If you drive often or travel long distances, this policy keeps you safe from sudden repair costs or losses caused by unexpected events.
People Living in Risky Areas
If you live in a place with heavy traffic, accident-prone roads, or frequent natural disasters, comprehensive insurance will help cover repair expenses.
Luxury Car Owners
If you own an expensive or luxury car, repairs can cost a lot. Comprehensive insurance helps you avoid paying huge bills for damages.
New Drivers
If you are new to driving, you might be more likely to have small accidents. This insurance helps cover those repair costs and protects you financially.
FAQs
Your car insurance premium (the amount you pay for your policy) depends on a few things, such as:The current market value (IDV) of your carThe area where you live and driveThe age of your carThe engine size (cc) of your car
No, this cover is not part of a basic third-party policy. But you can get it as an extra add-on with a comprehensive car insurance policy by paying a little more.
Yes, Shriram General Insurance has a mobile app called “My SGI” (Shriram General Insurance Customer App). You can use it to manage your policy, renew your insurance, and make claims easily.
Yes, you can easily buy or renew your Shriram car insurance online through the official website or trusted brokers like Square Insurance. The whole process is quick and paperless.
If your car is in an accident, inform Shriram General Insurance right away. Then file a claim online or through their customer care. They will guide you through the process and help with repairs and claim settlement.