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Shriram Car Insurance Add on Covers
Shriram General Insurance offers a wide range of car insurance add-on covers with its comprehensive car insurance policy to strengthen the safety and protection of the insured vehicle. With a nominal increase in the premium amount, a policyholder can enjoy better benefits, better coverage, high claim amounts etc by opting for add-on covers.
Shriram - 8 Important Add-on Covers For Your Car Insurance Policy
1. Zero Depreciation Cover
The decrease in the value of the vehicle due to certain factors like obsolescence, age of the vehicle, wear and tear, etc. is termed as depreciation. The value of the car and its materials have separate depreciation values. In case, the policyholder's car meets an accident, a standard insurance cover will cover the expenses incurred after deducting the applicable depreciation. However, policyholders can shift the burden of depreciation amount from themselves to the insurer by purchasing the zero depreciation add-on cover.
2. Daily Reimbursement
Shriram General Car insurance provides Daily Reimbursements add-on cover to its policyholders to assist them in conveyance when their damaged car is out for repair. The amount of reimbursement is solely dependent on the insurance premium.
3. Return to Invoice
Invoice cover is a type of add-on offered by Shriram Car insurance that promises to provide the original invoice value of the car in case of total loss.
4. Personal Belongings Cover
This Shriram add-on cover allows the policyholder to get compensation for the loss of any valuable personal belongings like car accessories, laptops, etc. from the insured car.
5. Emergency Transport & Hotel Expenses
This add-on cover compensates for the expenses incurred for emergency transport and hotel by the policyholder at the time of any damage/loss suffered by the insured car. This add-on covers for an overnight stay at a hotel along with taxi fares.
6. Key Replacement
The key-replacement add-on cover compensates for the expenses incurred in order to obtain a new key.
7. Multicar Rebate
Multicar rebate is an add-on that concerns consumers who own more than one car. As per this add-on cover, the benefits of the add-on covers on the primary insured car will be extended to the second (or more) car owned by them according to the terms and conditions of Shriram Car insurance.
8. NCB Protection Cover
No Claim Bonus is a discount given to policyholders for not filing a claim during the insurance tenure. NCB Protection add-on cover promises to retain the rewarded discount on own-damage insurance premiums amount even after a claim is filed during the policy tenure.
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Shriram Car Insurance Add-on FAQs
Am I supposed to pay an additional premium amount to opt for add-on covers?
Yes, you can avail add-on covers at an additional premium cost along with the premium paid against the basic insurance plan.
When can I buy add-on covers in my Shriram General Car Insurance Plan?
A policyholder can choose to buy add-on covers along with their car insurance plan either during the time of buying the policy or during the time of policy renewal.
How many add-on covers at a time can I include in my car insurance plan?
There is no such limit on opting for the number of add-on covers along with your basic car insurance plan. You can choose to include as many as you want depending upon your budget and need.
Is it compulsory to include add-on covers with my Shriram Car insurance plan?
No, including an add-on cover along with your Shriram car insurance plan is not mandatory. The add-on covers are available as an option to enhance the coverage of your insurance cover and offer other extended benefits that are not covered by the basic insurance plan.
Which add-on covers are provided by Shriram General Insurance Company?
Add-on covers offered by Shriram General Insurance Company include zero depreciation, return to invoice, daily reimbursement, key replacement, personal belonging, NCB protection cover, multicar rebate.
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