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Shriram Standalone Own-Damage Car Insurance Policy

A standalone own-damage policy covers the own-damages that your car may sustain due to unforeseen instances. The standalone own-damage is one of the three types of car insurance which safeguards your insured car in different situations such as accidents, theft, natural and man-made disasters, fire, explosion, vandalism, and so on. Also, the policy tends to offer you compensation in times of financial crisis. In simple terms, the standalone own-damage cover with compulsory third party insurance is a great combination to own.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Shriram Third Party Insurance

Shriram Standalone Own-Damage

Shriram Comprehensive Insurance

Coverage

Shriram third party car insurance offers coverage for third party liabilities in case of an accident for their bodily injuries, death and property damage.

Shriram standalone own-damage car insurance gives coverage for own-damage expenses of the car in different situations such as accidents, fire, theft, natural and man-made calamities and so on. etc. Also, NCB for claim-free years is also provided with this policy.

Shriram comprehensive car insurance plans provide a holistic coverage under which they cover expenses for third party liabilities as well as own-damage expenses under a single amount of premium. It also offers an optional personal accident cover.

Add-ons

Shriram third party insurance does not give add-on covers to policyholders.

Shriram standalone own-damage insurance provides a range of add-on covers to policyholders.

Shriram comprehensive insurance policies provide different add-on covers to policyholders.

Cost

Shriram third party car insurance is quite an affordable car insurance policy and offers basic coverage.

Shriram standalone own-damage car insurance is more expensive than a third party insurance policy as it provides extensive coverage.

Shriram comprehensive car insurance plans are the costliest as they provide complete coverage for third party liabilities and own-damage cover under a single amount of premium.

What Is Covered Under Shriram Standalone Own-Damage Policy?

The following are some crucial aspects that are covered under a Shriram standalone own-damage cover:

  • Road accidents or collisions that damage the car.
  • Damages and losses due to theft, fire or total loss of the car.
  • A fire or an explosion that causes damage to the insured car.
  • Damages caused to the car due to a natural or manmade disaster.

What is Not Covered Under Shriram Standalone Own-Damage Policy?

The following are the aspects that are not covered under a Shriram standalone own-damage cover:

  • Default depreciation sustained by the insured car.
  • Accidents happen due to driving in any illegal manner.
  • If a car breaks down due to a mechanical or electrical glitch.
  • Accidents that occur outside the geographical boundaries of India.

Benefits of Shriram Standalone Own-Damage Policy

Following are the benefits of purchasing standalone own-damage insurance from Shriram General Insurance:

  • It protects your car in situations like accidents, fires, theft, etc.
  • It offers a No Claim Bonus to policyholders for claim-free years.
  • It offers add-on cover options to expand coverage of your policy.

How to Purchase Shriram Standalone Own-Damage Policy?

Here are the steps you need to take to purchase Shriram standalone own-damage car insurance:

Step 1: Visit the official website of InsuranceDekho and select the ‘Car’ tab.

Step 2: Enter your car’s registration number. In case you do not know your car’s registration, you can also enter your car’s make, model and year of registration to proceed.

Step 3: Fill up your correct and accurate personal details and then select ‘Submit and Get Quotes’.

Step 4: Policy quotes for own-damage policies offered by different insurers will display on the screen. Opt for the Shriram policy quote based on your needs and choose an add-on cover, which you want to buy.

Step 5: Make the payment for the Shriram car insurance policy. After the payment, the policy document will instantly be issued and sent to your registered email ID.

Explore Shriram Car Insurance

Must Read Articles before buying Shriram Car Insurance

Shriram Car Insurance User Reviews

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313 User reviews
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  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Read More

    By Tarun Kumar
    On: March 1, 2023
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Read More

    T
    By Tarun Kumar
    On: February 16, 2023
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    A
    By Anil Grover
    On: February 9, 2023
  • Say goodbye to paperwork

    I bought a Shriram car insurance policy for my Ford Classic car from InsuranceDekho. I purchased the insurance policy from the comfort of my house. The process was completely digital, the documents required were uploaded on the website. The policy documents were sent at my email address.

    Read More

    S
    By Shripad Chittor
    On: February 3, 2023
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Read More

    T
    By Tarun Kumar
    On: January 11, 2023
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: December 28, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: October 13, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: August 24, 2022
  • Wide range of plans

    There are a lot of plans available on the InsuranceDekho website. After going through each of them, I chose the Shriram car insurance plan for my Kia Seltos. The plan is amazing and fulfills all my requirements at its best. Happy with the purchase of this plan.

    Read More

    D
    By Dhairya Batra
    On: August 16, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: August 9, 2022
  • Best Finance Service

    I have taken a car loan through Shriram.com directly. The vehicle's name is Hyundai Eon and this loan was sanctioned in the proper time frame. This loan is still active and paid the premium on an EMI basis. Customer service was good to me so far. The rate of interest and the processing fee was medium.

    Read More

    N
    By Nathen
    On: August 4, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: July 26, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: July 22, 2022
  • Informative website

    The InsuranceDekho website is very informative. I recently visited them and bought the Shriram car insurance plan for my MG Hector. While buying, I read about a lot of things that increased my knowledge in the field of insurance.

    Read More

    P
    By Priyank Batra
    On: July 14, 2022
  • Quick and easy policy issuance

    The policy issuance process from the InsuranceDekho website is quick and easy. I picked up the Shriram car insurance plan for my MG Hector since this plan perfectly met all the requirements I was expecting for my car. The process to buy the same was quick and easy and absolutely involved no complications.

    Read More

    S
    By Sarthak Pandey
    On: July 12, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: July 7, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: June 30, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: June 28, 2022
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Read More

    T
    By Tarun Kumar
    On: June 23, 2022
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Read More

    T
    By Tarun Kumar
    On: June 21, 2022
  • Affordable plans

    Plans on the InsuranceDekho website are quite affordable. I bought the Shriram car insurance plan for my MG Hector which was very well under my budget. Loved the plan and its benefits.

    Read More

    H
    By Harish Rawat
    On: June 16, 2022
  • Informative website

    The InsuranceDekho website is very informative. I recently visited them and bought the Shriram car insurance plan for my MG Hector. While buying, I read about a lot of things that increased my knowledge in the field of insurance.

    Read More

    P
    By Priyank Batra
    On: June 14, 2022
  • Highly recommended plan

    The Shriram car insurance plan that I bought for my Kia Seltos car is just too good for my car. I was looking for a ghood car insurance plan for a really long time and finally I have one. I would recommend this plan to all since it is really good for all those looking for a good car insurance plan.

    Read More

    R
    By Raj Kapoor
    On: June 9, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    By Anant Goyal
    On: June 7, 2022
  • Quick policy issuance

    I wanted a good car insurance plan but also I was in a hurry to buy it. I visited the InsuranceDekho website, the policy issuance was quick and easy which was quite convenient for me. I bought the Shriram car insurance plan for my MG Hector. The plan is unique in itself. I love the plan for its amazing benefits. Highly recommended.

    Read More

    R
    By Rohan Thakur
    On: June 2, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: May 31, 2022
  • Wide range of plans

    There are a lot of plans available on the InsuranceDekho website. After going through each of them, I chose the Shriram car insurance plan for my Kia Seltos. The plan is amazing and fulfills all my requirements at its best. Happy with the purchase of this plan.

    Read More

    D
    By Dhairya Batra
    On: May 26, 2022
  • Well managed website

    The InsuranceDekho website is very well managed. All the things on the website are very well arranged which helps one to look for everything easily. While buying the Shriram car insurance plan for my MG Hector, I could easily look for all the features and benefits of my desired plan.

    Read More

    By Sohel Khan
    On: May 24, 2022
  • Availability of add-on covers

    The InsuranceDekho website has a list of good add-on covers with them. While buying the Shriram car insurance plan for my Lamborgini Huracan, I came across certain add-on covers on their website which was too amazing. Loved them so much

    Read More

    By Viraj Singh
    On: May 19, 2022
  • Detailed explanation

    I was looking for an insurance plan for my car. After being suggested by one of my friends, I visited the InsuranceDekho website. I was really impressed after seeing the detailed explanation of all the plans available. After going through all the details, I decided and chose the Shriram car insurance plan for my Lamborgini Huracan

    Read More

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    By Richard Pinto
    On: May 17, 2022
Shriram Reviews

Shriram Standalone Own-Damage Car Insurance FAQs

  • What is Shriram General Own damage insurance cover?

    An own damage insurance plan helps the policyholder in staying protected against damage/loss sustained by own car because of any kind of theft, accident or mishap, etc.

  • What all documents are needed to make a claim for Shriram Own damage insurance cover?

    You need the following documents to make a claim:

    • Copy of car insurance policy
    • FIR Report Copy
    • Repair estimate
    • Car RC
    • Driving license
    • No claim certificate
    • Photos and other proofs of the accident
    • Other documents (in case asked by the insurer)

  • Is it compulsory to buy an own damage insurance plan for my car?

    No, buying an own damage insurance cover is not necessary, it depends entirely upon the requirements of a policyholder.

  • How is premium calculated for Shriram General Car insurance plan?

    The premium is calculated by taking into consideration various aspects such as car age, car make, car model, engine cc, geographical zone, vehicle type, etc.

  • How is own damage insurance different from third party insurance plans?

    Own damage insurance cover offers financial safety to the policyholder against the damages or losses caused to the own vehicle in an accident or mishap. While, on the other hand, a third party insurance cover offers protection to the insured against a third party person or property in an accident or mishap.

FAQ
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