Shriram Two-Wheeler Insurance Policy

The two-wheeler insurance policies offered by Shriram General Insurance Co. come with a number of features that make them stand out from the policies offered by the other insurance providers:

1. Absolutely paperless online policy purchase
2. Insurance cover for 12 months from the date of commencement
3. Maximum 50% No Claim Bonus even for insurances from other providers
4. 24/7 customer care assistance regarding two-wheeler insurance
5. Easy online claim registration process along with status tracking facility
6. Ease of transfer of existing No Claim Bonus from any insurance provider
7. Hassle-free cashless claim settlement process at preferred network garages
8. Extended protections through nil depreciation
9. Super quick and efficient online renewal procedure

Key Benefits of Shriram Two-Wheeler Insurance

The government has put a rule in place making it mandatory to at least have a liability-only cover for your motor vehicle. Shriram Two Wheeler Insurance offers this liability-only cover. This however offers minimum cover for your vehicle. If are looking to protect your vehicle at all times, it is best to opt for a comprehensive insurance policy that offers much more coverage than the minimum liability-only cover. The advantages of holding an insurance policy have been listed here in the video below. Take a look and choose the Shriram Two Wheeler Insurance policy that best suits the amount of coverage you need.

There a number of benefits that Shriram Two-Wheeler insurance has to offer to the motorcycle owners. Some of the vital ones are as follows:

1. Online policy purchase and renew process are very fast and take just 3 minutes
2. Up to 50% of No Claim Bonus for any other two-wheeler insurer
3. Hassle-free online insurance claim registration process with tracking facility
4. Insurance offered at the most competitive premium rate in the industry
5. Up to 40% discount for buyers on purchase of policy online
6. Extended protection through zero depreciation cover
7. Multiple value-added extensions at a minimal additional premium
8. Hassle-free online claim settlement process with status tracking facility
9. 24/7 claim notification service with timely assistance
10. Highly secured payment through multiple payment options
11. Prompt customer support that can be reached via phone and email

Coverage Offered Under Shriram Two-Wheeler Insurance Policy

1. Damage or loss caused from natural calamities: Shriram two-wheeler insurance policy protects your two-wheeler against damages and losses resulted from natural calamities such as self-ignition, explosion, fire, lightning, tempest, storm, hailstorm, cyclone, hurricane, typhoon, inundation, flood, earthquake, landslides, rockslides, frost, hailstorm, and others.
2. Damage or loss resulted from man-made calamities: Shriram motor insurance policy protects your two-wheeler against damages and losses resulted from man-made calamities such as theft, burglary, riots, strikes, malicious activities, terrorist activities, damages in transit by rail, road, airway, waterway, elevator, lift, and any other accident through external means.
3. Property liability: Under the two-wheeler insurance policy, you will get a coverage of up to Rs.1 lakh for third-party property damages caused by your vehicle. The company will pay the expenses resulted from the damage on your behalf.
4. Third-Party Liability: This policy offers unlimited coverage to the policy owners against any financial or legal liabilities awarded by the court due to accidental damages, injuries, and deaths caused to a third person or their properties by your vehicle. This means all your financial responsibilities in these cases will be borne by the company.

Exclusions Under Shriram Two-Wheeler Insurance Policy

1. Damage or loss suffered by the vehicle while being used for purposes that are beyond the policy's scope and limitation of usage.
2. Damage or loss of the vehicle resulted because of willful negligence.
3. Damage done to/by a person riding the bike or scooter under the influence of alcohol or drugs.
4. Loss or damage caused to the vehicle when it is driven by a person not having a valid driving license.
5. Wear and tear of the vehicle due to ageing, depreciation, electrical and mechanical breakdown or failures, and consequential loss.
6. Loss resulted from nuclear weapons or radioactivity.
7. Loss caused due to war and activities related to it.
8. General wearing and tearing of vehicle parts such as tyres and tubes(in case the bike or scooter is damaged at the same time, the liability of the insurer will be up to 50% of the replacement cost.

Apart from these generic exclusions, there are 'Policy Deductibles' under which the company will not bear the first amount of each and every claim. This limit, however, can be chosen by the insured as per limits. The higher the limit is, the higher discount on premiums will be offered.

Extra Value-Added Extensions Available

Shriram General Insurance offers special value-added extensions for protecting you and your dear ones who travel with you on your bike or scooter. These can be included in the insurance policy to enhance the limitation of your two-wheeler insurance policy. Here are the added covers that come with this policy:

1. Special feature discount: Under this add-on cover, you can avail a good amount of discounts on the amount charged for each feature of this insurance policy.
2. Electrical and Electronic Accessories: The insurer under this additional feature will cover all the electrical and electrical accessories of your two-wheeler such as fog lamp, headlight, etc.
3. Personal Accident Cover: In case of personal accidents, the insurer will provide coverage of minimum Rs.10,000 going up to Rs.2 lakh for personal accident of the insured, paid driver of the vehicle, and passengers including the parents, spouse, and children of the insured, and other unnamed passengers/pillion riders based on the vehicle's seating capacity.

Shriram Two-Wheeler Insurance Claim Process

The Shriram General Insurance policyholders can register a claim with the company in cases of accident, breakdown, or theft of the vehicle in three-four simple steps mentioned below:

Claim Intimation

Immediately after any accident causing damage to the vehicle, or in cases of theft or robbery you should instantly register your claim with the company by calling the Customer Help Desk. To intimate the claim you need to call the following toll-free numbers within the given time slots:

1800-300-30000 - Monday to Sunday between 4:00 a.m and Midnight 12:00 a.m

1800-103-3009 - Monday to Sunday between 9:30 A.M and Evening 5:30 p.m

Alternately, you can also download the Claim Intimation Sheet from the website, fill the form, and send it to the Help Desk at chd@shriramgi.com. Within sometime, the claim support representatives will get back to you and brief you the further process and details. You can also go to the 'Claim Intimation' section on the website, enter all your details and submit the request.

While intimating the claim with the company, you must keep the following information handy for quicker settlement of the claim:

1. Date and time of the accident
2. Proposal no. or Policy no.
3. Description of the estimated loss
4. Location of survey where the vehicle can be surveyed by the loss assessor
5. Name of the driver and contact no. along with the DL details
6. Contact details of the insured

Claim Registration

In the next step the customer support team of the company will take the intimation of the claim and you will be provided with the claim reference number. After the claim is registered with the company and the company assigns a loss assessor, a text message will be sent to your registered phone number for confirmation along with the details of the surveyor.

Claim Survey

In this step the surveyor will contact you and ask you the preferable survey time and location. Accordingly, he/she will arrange the survey within the decided time. You have to provide the following documents to the surveyor at the time of survey as suggested by the assessor and type of vehicle. The documents that you need to provide should relate to the type of vehicle, intensity of the accident, and the claim processing team's requirement in OD claim settlement.

Re-inspection

If the surveyor advices for a re-inspection of the vehicle, then you need to contact the surveyor or CHD for re-inspection when the vehicle is ready.

Shriram Customer Care Contact Details

In case you have any concern or issue with respect to the two-wheeler insurance policy offered by Shriram General Insurance Company, you can get in touch with the insurer using the details given below:

Shriram Customer Care Telephone Number

Toll-free numbers: 1800-300-30000, 1800-103-3009

Shriram Customer Care Email ID

The customer support executives of Shriram General Insurance Company can also be contacted through email. You can write to them at chd@shriramgi.com for instant email support. If you want to contact any specific branch through the mail, go to the 'Branch Locator' tab and enter the city/state whose details you want. You will be provided with an email ID and the mobile numbers of that particular branch.

Shriram Customer Care Contact Form

In case you have issues or concerns and you want the Shriram General Insurance team to get in touch with you then you can message them by filling a form given on the website. When you fill the form you have to provide your name, mobile number, and email Id along with your concern. The customer care team will get back to you soon through the phone or email id provided by you.

Visit Your Nearest Shriram General Insurance Branch

Whether you want to purchase a new two-wheeler insurance policy from Shriram or you have to renew your existing policy, you can visit the nearest Shriram General Insurance branch office and approach the concerned department and support team to get any required assistance. Here are the details of the corporate office of the company:

Corporate Office

Shriram General Insurance Co. Ltd.

E-8, EPIP, RIICO Industrial Area,

Sitapura, Jaipur - 302022 (Raj.)

Customer Help Desk- Toll-free: 1800-300-30000

Fax: 0141-2770692, 2770693

Shriram Branch Offices in Important Cities

If you wish to buy or renew your motor insurance policy or have queries or concerns that need to be resolved, you may also visit your nearest Shriram General Insurance Limited branch to get the required assistance. Here are the addresses and phone numbers of the branch locations in some important cities in India. You can make use of the 'Branch Locator' option given on the official website to locate the nearest branch office.

Bangalore

Mumbai

Chennai

Hyderabad

Kolkata

Delhi

Ahmedabad

Pune

Bhubaneswar

Allahabad

Ranchi

Cochin

Trivandrum

Bhopal

Jaipur

Raipur

Mandi

Pondicherry

Patna

Jammu and Kashmir