Shriram Two-Wheeler Insurance

Shriram General Insurance provides overall protection in the event of any unforeseen incident involving the vehicle. By availing an insurance cover for the two-wheeler from Shriram General Insurance, people can be assured of instant access to the online services as well as the customer care assistance of 24*7.

Benefits of Shriram Two-Wheeler Insurance Policy

• Online accessibility: One can instantly purchase and renew the two wheeler insurance online, through the website of Shriram General Insurance. One can also register a claim and track the request status online.
• 24*7 customer support: A benign team of customer service executives is available 24*7 to assist the policyholders regarding any queries related to the policy or for any claims assistance.
• Cashless Claims: This insurance policy also has the provision to avail cashless claim at the authorized garages.
• Premium: This two-wheeler insurance policy offers greater coverage at a lower premium amount, as compared to the plans from other insurance providers.

Covers offered under the Shriram Two-Wheeler Insurance Policy

• Damage to the vehicle
  In the unfortunate circumstances of damage or loss to the insured two-wheeler due to human-made or natural disasters, this two-wheeler insurance policy provides full coverage to the policyholder.
• Human-made calamities
  Shriram Two-Wheeler Insurance Policy provides cover for human-made disasters such as theft, strike, burglary, riot, terrorist activity, the accident caused by the third-party, malicious act, and damage to the vehicle during transit by road, lift, rail, elevator, air and inland waterway.
• Natural Calamities
  This two-wheeler insurance policy covers the loss or damage arising out of natural disasters such as an explosion, fire, lightning, flood, earthquake, self-ignition, hurricane, blizzard, typhoon, storm, inundation, hailstorm, cyclone, rockslide, landslide, frost, etc.
• Third-Party Liability
  It covers the legal liabilities that are arising out of injury or death of a third person due to an accident in which the insured two-wheeler vehicle is involved.
• Third-Party Property Liability
  If the insured two-wheeler vehicle causes any damage to a property of third-party, the insurer will offer a cover of worth Rs. 1, 00,000 under the policy.
• Add-On Covers
  By paying some extra premium, a policyholder can purchase a few add-on covers such as the following:
  • Personal accident cover
    The policyholder can add this cover to the two-wheeler insurance policy to ensure the coverage of the passengers and the driver of the vehicle. The cover for the passengers is based upon the seating capacity of the vehicle, and the passengers may include the parents, children, and the spouse. This personal accident cover is available for a minimum amount of Rs. 10,000 -Rs. 2, 00,000.
  • Cover for the electronic accessories
    At an additional premium cost, you can avail this cover for all the electronic or electrical fittings in the two-wheeler.
  • Feature discounts
    Another extension to the policy is a lucrative feature discount which can be availed at a nominal fee.

Exclusions under the Shriram Two-Wheeler Insurance Policy

• Damage or loss occurs due to deliberate negligence of the driver.
• Damage or loss inflicted to the third party if the insured driver is driving a vehicle after intoxication.
• Damage or loss arising due to the vehicle usage through an unlicensed individual or if the person is driving the vehicle outside the limitations of use as mentioned in the policy.
• Damage or loss is occurring due to any radioactivity, nuclear war or nuclear weapons.
• Damage due to electrical or mechanical failure/ wear and tear and consequential loss or depreciation due to aging.
• Damage or loss is occurring due to any war/related activities.

Policy deductibles -

A portion of the claim which has to be paid by the policyholder. Higher is the amount paid by the customer; the more significant will be the discount on the premium of the two-wheeler insurance.

Claims Procedure -

Shriram General Insurance assists 24/7 for the claims notification and registration. It also ensures the same day assistance and inspection of the insured vehicle. The claim status can be tracked online or retrieved from the customer care executives once the customer is provided the required details.

FAQs

Q1. Can I apply for Shriram two-wheeler insurance policy online?

Yes, one can instantly purchase the two-wheeler insurance policy online from Shriram General Insurance. Also, some unique benefits can be availed by the customers such as a 40% discount on the premium while buying the policy online.

Q2. What is the validity period of the two-wheeler insurance policy?

The Shriram two-wheeler insurance policy is valid for 12 months, after which it must be renewed.

Q3. What are the available modes for making an online payment?

One can pay the premium online through the Shriram General Insurance website through the net banking facility, Cheque or by using the credit card or debit card.