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Shriram Car Insurance

235 reviews Rate This
    Network Garages2,000+
    Claim Settlement Ratio77.26% in FY20
    Emergency AssistanceAvailable 24x7
    Zero Depreciation CoverAvailable
    Third Party CoverAvailable
    Presence209+ Branches

    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



    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

    Calculate Your Car Insurance

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    • Ahmedabad
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    • Gurgaon
    When did you buy your car?
    Have you made a claim in the previous year?

    Must Read Articles before buying Shriram Car Insurance

    Shriram Car Insurance User Reviews

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    What users are saying
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    • Simple policy issuance

      I bought a Tata Movus car and visited the InsuranceDekho to purchase a suitable car insurance policy. I got mu...

      Read More
      By Pritika Dutta
      On: October 26, 2021
    • It was great

      Overall experience is good. It can can be fast as i have to upload documents multiple times. Would love to bu...

      Renault KWID Gurgaon
      On: October 24, 2021
    • On-time renewal reminder

      I am happy that InsuranceDekho reminded me of the renewal period of my Shriram car insurance policy. If it was...

      Read More
      By Prakash Jain
      On: October 21, 2021
    • Coverage with add-ons

      Different add-on covers are available on the InsuranceDekho platform which were is quite impressive. I wanted ...

      Read More
      By Vishal Malhotra
      On: October 19, 2021
    • Amiable help desk

      My Honda Amaze car got insured with a Shriram car insurance policy but required a few add-ons for enhanced ben...

      Read More
      By Upendra Nagar
      On: October 14, 2021
    • Policy quotes as per the car t...

      I visited the InsuranceDekho platform and clicked the ‘Find Right Car Insurance Quotes by Cars Body Type’ sect...

      Read More
      By Shivam Tiwari
      On: October 12, 2021
    • Simple and swift comparison

      It is wise to choose a car insurance plan only after making thorough research. I am happy to get InsuranceDekh...

      Read More
      By Raman Bhalla
      On: October 7, 2021
    • Best experience

      I own a Toyota Prado car and I used InsuranceDekho to make a car insurance claim for my Shriram insurance poli...

      Read More
      By Rupesh Mishra
      On: October 5, 2021
    • Convenient payment methods

      InsuranceDekho helped me get my plan easily and quickly with its online payment gateways. I could pay for prem...

      Read More
      By Chandan Mehra
      On: September 30, 2021
    • Numerous add-on covers

      I wanted some add-on covers to be added to my Shriram car insurance plan to secure my Volkswagen Jetta car. At...

      Read More
      By Jay Prakash
      On: September 28, 2021

    Insurance Products by Shriram General Insurance

    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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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.