Shriram Car Insurance Premium Calculator or Estimator - Now check out Shriram Car Insurance Premium Calculator or Estimator for your new and used cars with multiple insurance options. Check Comprehensive Shriram Car Insurance Premium, Long term Car Insurance Premium and Third Party Insurance Premium at autospyders.com.

Quotes for Shriram Car Insurance Premium

Why Shriram Car Insurance?

Shriram Car Insurance Premium Calculator or Estimator - With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Shriram offers car insurance with a range of covers to choose from.

With Shriram's innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24x7 Roadside Assistance facility, help is just a phone call away.

Key Benefits - Shriram Car Insurance Calculator

Avail 24x7 call assistance and SMS updates for claims support, even on holidays

• Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
• Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
• Receive 75% on account payment facility based on requirement and when liability is above a certain limit
• Avail 24x7 Roadside Assistance with your Car Insurance policy
• Towing Facility in the event of a vehicle breakdown or an accident
• Zero Depreciation Cover can be availed as an add-on cover with Car Insurance

Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online

Add on Covers - Shriram Car Insurance Calculator

Shriram Car Insurance Premium Calculator or Estimator - A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.

• 24x7 Spot Assistance
  This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
  
• Lock and key replacement cover
  In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle 
  
• Accident Shield 
  Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car 
  
• Consumable Expenses 
  Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy 
  
• Conveyance benefit 
  If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a 'per day' cash benefit, as per the plan opted by the insured 
  
• Personal baggage
  The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under Shriram's Motor Insurance/Car Insurance policy

Shriram Car Insurance Review

Shriram Car Insurance Premium Calculator or Estimator - Shriram Group is India’s one of the most strong business houses which has several wings starting from Infrastructure and Energy, Industrial Manufacturing, Information technology, Food, and Retail, etc. Shriram group is not only a financial Services company but also caters to the non-financial needs of an ordinary person. Life Insurance, Retail Stock Broking, Chit funds and Distribution of Investment and Insurance products are also a part of this business group. General Insurance of Shriram Group is another important sector where the company promises to deliver a product which meets the requirements of a common man. Multiple insurance plans like Motor Insurance Plans, Health Insurance Plans, Travel Insurance Plans, Personal Accident Plans, Home Insurance Plans for Individuals and other types of insurance too which are tailor-made, customer friendly and completely transparent.

Almost everybody owns a four-wheeler these days. And therefore quite naturally, the roads are congested and there are greater chances of mishap or accident happening on the road. Not only this but also incidents like thefts, burglary, etc. are also increasing day by day. And last but not least, no one can predict the perils of nature like earthquake, storms, cyclone, etc. Keeping all these and view, one must protect his or her vehicle by making car insurance policies which provides financial protection as well as third-party protection. Shriram Car Insurance plans are inclusive of unique features that are available at a nominal cost.

Shriram Car Insurance Plan at a Glance

Why Car Insurance Plan is necessary?

Shriram Car Insurance Premium Calculator or Estimator - With the increasing number of cars every day on road, the chances of accidents also increase. Therefore, protection against the loss or the risk of accidents becomes absolutely necessary to avoid the sudden financial burden and mental trauma. This is where a car insurance plan comes into the picture that not only covers the owner/driver but also protects the insured against the risk of third-party accidental death or property damage.

As per the Motor Vehicles Act, it is mandatory to buy a car insurance plan for every car owner as it covers third party injuryies death or property damage. Shriram General Insurance provides wide-ranging car insurance plans, which protect the vehicle from any unpleasant incident.

Why Shriram Car Insurance Plan?

Shriram car insurance plans have certain unique features and benefits that are as follows:

• Low cost insurance plans with the best of the tailor made coverages.
• Fast and hassle free claim service.
• No Claim Bonus is also available.
• Swift and faster claim settlement process.
• Tracking of claim status online.
• Existing No Claim Bonus can be transferred from any other insurer.

Here we will see an overview of Shriram Car Insurance Plan.

Coverage - Shriram Car Insurance Calculator

Personal Accident Cover for Owner Driver Plan:

You can buy this add-on benefit for yourself, paid car driver, and even unnamed passengers.

Shriram Car Insurance Premium Calculator or Estimator - The Company will compensate as per the following scale for bodily injury or unfortunate death to the owner-driver of the insured vehicle while driving or mounting or dismounting from the vehicle or while travelling as a co-driver, caused by violent external and visible means within 6 calendar months which results into:

• The compensation will be on any one item as mentioned above which arises from any one occurrence and the total liability of the insurer in aggregate will not increase the sum of Rs.15lakhs  during anyone period of the insurance plan.
• The Company will not indemnify if there is intentional self-injury suicide or attempted suicide physical defect or infirmity.  And also if there has been any consumption of alcohol.

Third Party Liability Plan - Shriram Car Insurance Calculator

Shriram Car Insurance Premium Calculator or Estimator - Under this plan, the company will provide benefit where the car has damaged third party resulting in their death or injuries or the third party property. The company will pay all the costs and expenses incurred with its written consent or permission. The Company will also at its own discretion undertake the defense of proceedings in any Court of law with respect to any act or alleged offense causing or relating to any event.

Loss or damage - Shriram Car Insurance Calculator

This plan covers the loss or damage caused to the vehicle or its accessories due to the following reasons:

• Fire, explosion, self-ignition, accidental damage by external means.
• Damage in transit by road, rail, inland waterway, lift, elevator, or air.
• Burglary, theft, strike, riots, malicious acts, and terrorist activity.
• Natural calamities like an earthquake ( fire and shock), lightening, cyclone, flood, typhoon, storm, hurricane, frost, landslide, rockslide, inundation, tempest, hailstorm.

The above is subject to the depreciation at the rates mentioned as below:

• For all rubber, nylon, plastic,tyres and tubes, batteries and air bags- 50%
• For Fibre Glass components- 30%
• For all parts made of glass- Nil.
• For all other parts which includes the wooden parts as well, the depreciation will be as follows:
  • Upto 6 months: Nil
  • 6 months -1 year :5%
  • 1-2 years :10%
  • 2-3 years :15%
  • 3-4 years :25%
  • 4-5 years :35%
  • 5-10 years: 40%
  • And above 10 years :50%

There are basically four groups under which the coverage can be classified which are namely

• Natural Calamities which includes fire, self-ignition or lighting, flood, earthquake, explosion, typhoon, storm, hurricane, tempest, cyclone, rockslide, frost.
• Third Party Liability : This particular plan is unlimited for third-party accidental death or injuries.
• Property-Liability: The company will provide a compensation upto Rs 750000/- for the third-party property damage under this plan.
• Man-made Calamity: Theft, burglary, strike,riots etc. are covered under this plan. Any damage in transport by road, rail or water is also covered.

Insured Declared Value (IDV) - Shriram Car Insurance Calculator

Shriram Car Insurance Premium Calculator or Estimator - The IDV of a vehicle and accessories is arrived at manufacturer's ex-showroom price of the brand and model at the inception of the policy or at the time of the renewal. The schedule of depreciation for fixing the IDV is as below:

• Up to 6 months  :5%
• 6 months -1 year :15%
• 1-2 years :20%
• 2-3 years :30%
• 3-4 years :40%
• 4-5 years :50%
• And above 5 years /obsolete models: As decided between the insurer and the insured.

The plan covers for the following value-added services  as well for an additional premium :

• Good feature discount.
• Bi-fuel kit: The plan also covers the CNG/LPG Bi-Fuel Kit.
• Electrical and electronic Accessories like music players, seat covers, LCD mini TV, fog lights,etc. are also can be covered under this plan.
• Personal Accident: Under this plan one can avail this cover as insured, for the driver as well in case of the paid driver and unnamed passengers as per the seating capacity of the vehicle. One can also include their spouse, children parents unnamed passengers The Personal accident cover is available from Rs 10000/- to a maximum of Rs 200000/-( in multiples of Rs 10000).

Exclusions - Shriram Car Insurance Calculator

Shriram Car Insurance Premium Calculator or Estimator - Shriram General Car insurance plans have some exclusion. Any loss/damage to the vehicle to its accessories will not be covered if caused due to the following reasons:

• The plan does not cover the loss or damage due to normal wear, tear and general aging of the vehicle.
• This plan excludes depreciation or any consequential loss.
• The plan does not cover mechanical/ electrical breakdown/ failure or breakages.
• If the vehicle is being used for any other reason other than as specified in the plan
• Damage to/by a person driving the vehicle without a valid driving license.
• Loss/damage due to war, mutiny or radioactivity or nuclear risk is not covered under the plan.
• The plan does not cover any accidental loss or damage occurred due to driving after consumption of alcohol or drugs is not covered under this plan.
• Accidental loss or damage due to willful negligence.
• Any accidental loss that occurs beyond the geographical area is also not covered under the plan.
• The plan excludes consequential loss as well.

Claim Process - Shriram Car Insurance Calculator

Shriram Car Insurance Premium Calculator or Estimator - The claim service of the company is highly efficient and of a high standard. One can make 24x7 claims notification. Timely customer service and assistance along with the survey and further assistance within a day. It follows a simple claim procedure to ensure customer satisfaction.

• Call at the toll-free no. of the company and lodge the claim. The following information are to be provided:
  • Policy No
  • Date and time of the accident.
  • Estimated loss/ description.
  • Registration Certificate.
  • Name of the driver with contact no and his/ her driving license details.
  • Insured Contact Details.
  • The claim intimation sheet can be downloaded from the website and can be sent to chd@shrirami[dot]com. Claim representative will contact the insured person for further process.
  •  Claim representative will provide the claim reference number for future reference.
  • After the claim gets submitted and the same is approved, a text message will be sent intimating the surveyor details.
  • A Surveyor is appointed to assess the loss of the insured vehicle and inspection of the same. Post which the approval is given and the insured is intimated about the claim status.
  • The Surveyor will contact for a suitable time for a survey and will conduct the survey
  • After this, one can contact at CHD / Surveyor when the vehicle is ready for inspection.
  • The claim status can be tracked from the official website > Claims.

Documents needed to register - Shriram Car Insurance Calculator

Documents which are to be submitted at the time of registering a claim are as under:

• Duly Filled Claim Form.
• Copy of Driving License.
• Certificate of Registration.
• Police FIR.
• Motor Insurance Policy with schedule and endorsement/ clause
• Copy of the plan and receipt of payment of premium.
• Fitness certificate.

Benefits - Shriram Car Insurance Calculator

It's absolutely easy to buy Shriram Car Insurance Plans online with the following benefits:

• Discount up to 40% when one buy online car insurance plans.
• Nil paperwork.
• High level of security and its very safe.
• Payment options are various like a credit card, debit or net banking.