What is the validity of a car insurance policy?

Shriram General Insurance offers both short-term (1 year) and long-term (3 year and 5 year ) car insurance policies.

What all modes of payment are available at Shriram for car insurance policy renewal online?

The company has a dedicated portal, where you can pay the policy premium, for both the purchase of a new policy and renewal of an existing policy, using a Debit/Credit card or Net Banking.

What if someone else was driving my car at the time of accident?

Even if someone else was driving your car at the time of an accident, the insurance policy will remain applicable.

How is the Sum Insured determined?

The Sum Insured mainly depends on the Insured Declared Value (IDV) of the car. The IDV is the manufacturer’s listed price of the vehicle minus depreciation. Apart from IDV, the sum insured also depends on the fuel type, engine displacement and make and model of the car.

What if no claim is filed during the insurance period?

In case no claim is filed during the entire policy tenure, the policyholder will be entitled to get a No Claim Bonus (NCB) discount on own-damage premium of the policy at the time of renewal. The NCB discount can be accumulated over the years and usually ranges between 20-50% of the own-damage premium.

Shriram Car Insurance

CASHLESS GARAGES 2,000
CLAIMS SETTLED 96.00%

Key Features:

Covers Third Party Person
Covers Third Party Property

Top Shriram General Insurance Car Insurance Plans

Shriram Car Insurance

PLAN TYPE: Comprehensive

Starting From ₹ 2094

Shriram Car Insurance

PLAN TYPE: Third Party

Starting From ₹ 2094

Shriram Car Insurance

PLAN TYPE: Own Damage

Starting From ₹ 1970

Calculate Your Car Insurance Price Online

Select your car brand

Brand

Maruti
Hyundai
Honda
Toyota
Mahindra

Which city is your car registered in?

Ahmedabad
Bangalore
Chandigarh
Chennai

City

When did you buy your car?

Year

Disclaimer: Actual Premium might vary basis your location, age and number of members

About Shriram General Insurance

Shriram General Insurance is a part of the Shriram Group which was established in 1974. Till September 2012, it operated as a joint venture between Shriram Capital Ltd. and Sanlam Limited (South Africa) with the ownership ratio of 74:26. Sanlam Limited is one of the leading financial services groups in South Africa with a market capitalization of more than $6 billion. It came into existence in 1918 and the group was demutualised in 1998. SANTAM is a part of Sanlam Limited, which is engaged in the short-term insurance segment and is a pioneer short-term insurance company in South Africa.

Today, the company has a customer base of around 10 million people and has a workforce of more than 45,000 employees working in over 2,400 branches in India. The company has a net profit of more than Rs. 15 million and assets under management worth Rs. 60,000 crores. It offers a wide array of insurance products including car insurance, two-wheeler insurance, health insurance, personal accident insurance, and travel insurance. Furthermore, it also renders policies to cover things like weddings, shops and most types of assets.

The company has a slogan “Be Insured…….Rest Assured” that highlights its aim towards delivering the best possible car insurance service to its customers. Also, Shriram General Insurance has been accoladed with the prestigious “Excellence in Growth Award” for two consecutive years in 2011 and 2012. The last few decades have been fruitful for the company and has ensured strong growth and sustainability in the car insurance sector for over thirty years.

Shriram Car Insurance

Shriram General Insurance offers different types of car insurance policies to provides complete on-road protection to your car. It offers three types of car insurance policies namely third-party car insurance policy, standalone own-damage car insurance policy, as well as a comprehensive car insurance policy at an affordable premium. These car insurance policies are designed to cover the financial liability of policyholders towards a third party for their bodily injuries, death and property damage arising after an accident and provide coverage against loss or damage to your car, natural calamities, man-made calamities, and so on.

The general insurance company to expand your insurance cover offers add-on covers like zero depreciation cover, return to invoice, personal belongings cover, key replacement, NCB protection cover and so on, which you could include voluntarily along with your standalone car insurance policies or comprehensive car insurance policies by paying an additional premium. The insurer understands the value of safety, hence, it tries to provide a personal accident cover which you can avail for yourself or for the driver of your car or unnamed passengers. When it comes to the claim settlement, the insurance company extends its support by providing 24x7 claim notification service, survey and assistance facility within a day, and so on.

Significant Points of Shriram Car Insurance

Features	Coverage
Founding Year	2006
Network Garages	2000
Claim Settlement Ratio	96.00%
Third Party Property Damage	Up to Rs. 7.5 Lakh
Own Damage Cover	Coverage for Own Car for Its Loss and Damage
Personal Accident Cover	Up to Rs. 15 Lakh for Owner-Driver
Add-on Covers	8 Add-on Covers
Claim Assistance	24/7 Claim Assistance

Shriram Car Insurance User Reviews

4.8

Rating based on

313 User reviews

Write your review

What users are saying

All
Most Helpful
Comprehensive
Zero Depreciation
Third Party
Own Damage
Renewal
Cashless Garages
Price
Premium
Policy Download
Customer Care
Claim
Add On

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
R
By Richard Pinto
On: May 17, 2022

Shriram Reviews

Shriram Car Insurance FAQs

What is the validity of a car insurance policy?
Shriram General Insurance offers both short-term (1 year) and long-term (3 year and 5 year ) car insurance policies.
What all modes of payment are available at Shriram for car insurance policy renewal online?
The company has a dedicated portal, where you can pay the policy premium, for both the purchase of a new policy and renewal of an existing policy, using a Debit/Credit card or Net Banking.
What if someone else was driving my car at the time of accident?
Even if someone else was driving your car at the time of an accident, the insurance policy will remain applicable.
How is the Sum Insured determined?
The Sum Insured mainly depends on the Insured Declared Value (IDV) of the car. The IDV is the manufacturer’s listed price of the vehicle minus depreciation. Apart from IDV, the sum insured also depends on the fuel type, engine displacement and make and model of the car.
What if no claim is filed during the insurance period?
In case no claim is filed during the entire policy tenure, the policyholder will be entitled to get a No Claim Bonus (NCB) discount on own-damage premium of the policy at the time of renewal. The NCB discount can be accumulated over the years and usually ranges between 20-50% of the own-damage premium.

FAQ

Car Insurance News

What Is Voluntary Deductible In Car Insurance?
Learn how voluntary deductible in car insurance can help low...
By InsuranceDekho30 January 2025
Bangalore Traffic Police Challan & Traffic Fines: ...
Got a traffic challan in Bangalore? Check out this complete ...
By InsuranceDekho29 January 2025
What is Motor Liability Period in Car Insurance?
Confused about the Motor Liability Period in car insurance? ...
By InsuranceDekho28 January 2025
Best Cars Under 15 Lakhs On-Road Price: Comprehens...
Looking for the best cars under ₹15 lakhs? Explore our compr...
By InsuranceDekho28 January 2025
10 Essential Car Care Tips for Beginners
New to car care? Here are 10 super easy tips to keep your ca...
By InsuranceDekho28 January 2025