Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Shriram Car Insurance

    Shriram Car Insurance
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    Shriram General Insurance is a Joint Venture between Shriram Capital Ltd 74% and Sanlam Limited (South Africa) 26% as of Sept 2012. Shriram General Insurance offers products like Motor Insurance, Liability Insurance, fire Insurance, Engineering insurance, Marine Insurance and more.

    Key Benefits of Shriram Car Insurance

    So you’re stranded almost nowhere

    Cashless Claim Networks

    Cashless claim service over 2000+ authorized network of garages across India

    Don’t we love a good discount?


    Discount for opting higher voluntary excess which will allow you save upto 40% on car insurance premium

    Help is always at hand

    Accidental Cover /Customer Support

    1% of sum assured is payable every month from the end of month of accident for a guaranteed period of 10 years or till the end of the rider term whichever is higher.

    Add-on Covers for Shriram Car Insurance

    Depreciation cover for Shriram Car Insurance

    Depreciation Cover

    Zero depreciation entitles you to receive a full claim on the cost of the parts that are to be replaced after an accident.

    Invoice price cover for Shriram Car Insurance

    Third Party Cover

    Protection from liability towards third parties for personal injury and property damage.

    Personal Accident cover for passengers

    Personal Accident Cover

    Personal Accident cover is available from Rs. 10,000/- to a maximum of Rs. 200,000/-

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Inclusion & Exclusion in Shriram Car Insurance

    No capers without the required papers!


    Covers Man made calamities like strike, fire, riot, theft, malicious act etc.

    Drink OR drive. There’s only one choice


    If the Company alleges that by reason of this exclusion, any loss, damage, cost or expenses is not covered by this insurance.

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.


    The name ‘Shriram Group’ holds a special significance in India- a title classically associated with wealth management and other initiatives that are primarily aimed at the Indian middle class or the ‘Aam Admi’. Continuing the trend, the Shriram Group has forayed into the competitive yet highly lucrative general insurance sector with an undertaking branded as ‘Shriram General Insurance’. This is a 74:26 percent collaboration between Shriram Capital Ltd. and Sanlam Limited, a leading diversified financial services group from South Africa that boasts of market capitalization in excess of $6 billion.

    For over three decades, Shriram General Insurance (SGI) has proven it’s mettle as a company that puts customer benefits and comfort over corporate goals and expectations, working hard at the grassroots to build value and drive awareness. In recent times, SGI has paid particular attention to the inculcation of newer technologies and IT to make it’s business more accessible to it’s target audience, thereby also earning the prestigious ‘Excellence in Growth Award’ for 2011 and 2012.

    Private Car Insurance from Shriram General Insurance

    Acquiring car insurance from Shriram General Insurance takes all of 5 minutes. This is an exclusive online option wherein documentation isn’t required. Further, save upto 40% on your premium payments and enjoy a relaxed and hassle-free claims settlement cycle if an unfortunate accident befalls your cherished vehicle. Remember, the claim settlement procedures at SGI have been designed with ‘you’ in mind.

    SGI provides you comprehensive motor insurance that covers natural and man-made accidents/calamities such as earthquakes, floods, lightning etc. as well as personal accidents and third-party liability wherein your vehicle may have caused or was part of an accident that resulted in the loss or damage to third-party property. The policy excludes normal wear and tear, depreciation etc.

    Key Highlights & Features of Shriram General Insurance

    • Protects you from financial loss incurred due to the damage or loss to your vehicle.
    • In case your car has been in an accident that results in injury, damage or loss of third-party property or life, then this policy has you covered for that eventuality.
    • The policy also protects you financially if your vehicle has been in an accident that resulted in injury to you (personal accident) or your family who might have been sharing the vehicle with you through the unfortunate event.
    • Unique add-on covers are available that enhance the quantum of protection available to you and your family.
    • Your investment in terms of accessories for your vehicle- CNG kit, electrical and non-electrical add-ons etc. can also be protected under this policy.
    • Purchasing this policy is super simple, fast and takes all of 5 minutes online.
    • Save upto 40% on subsequent car insurance premium.
    • A network of special garages allows you the option of direct settlement.
    • A proven, completely stress-free claims settlement process.

    Sum Insured per the SGI Motor Insurance

    As per prevalent Indian laws, all vehicles are insured at a fixed value that is termed the Insured’s Declared Value (IDV). Herein, the IDV is the max amount payable in the event of a claim raised in relation to the total loss or theft of the vehicle. This number is calculated on the basis of the manufacturer’s listed selling price of the vehicle, while deducting the inevitable depreciation for every subsequent year as per the schedule listed by the Indian Motor Tariff.

    FAQ’s about Shriram General Insurance

    • How long is the SGI Motor Insurance policy valid for?
    • The policy remains in force for 12 months from the date of commencement.

    • Why must I purchase the SGI Motor Insurance?
    • SGI has designed it’s Motor Insurance policy with you in mind. The following features should probably answer your query-

      • ✓Buy online in under 5 minutes.
      • ✓Avail upto 40% discount on the insurance premium when you buy the policy online.
      • ✓Absolutely no documents needed with the online policy purchase.
      • ✓Easy payment options via Credit or Debit Cards and Net Banking.
      • ✓Maximum security levels for all online transactions.
    • Will my vehicle be covered if at the time of accident, it was driven by someone else?

      Definitely. In all conditions, our liability follows your vehicle. Thus, if the said driver had your permission and was driving with a valid license then the policy will still apply.

    • Can I make changes to my policy?

      All subsequent changes can be affected using a document known as an ‘endorsement’. This is a document that includes changes in the terms and serves as a written evidence of an agreed change to your policy. The wordings in this document are provided by SGI and can also be used to record instances such as change of address, name, and change of the model of the vehicle.

    In Conclusion,

    Shriram General Insurance is a home-grown car insurer that understands the advantages of being a ‘people first’ company. With processes and policies that are simple to subscribe to, a very robust customer-support initiative and the sure standing as a serious contender in the Indian motor insurance scene, SGI must surely have your vote when it comes to insurance for your dream set of wheels. Why wait? Apply Now!

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