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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.
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