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​Shriram Comprehensive Two-Wheeler Insurance Policy

Shriram General Insurance is a fast-growing insurance company that has supported its policyholders during the unforeseen events of life. Shriram comprehensive bike insurance helps to deal with the liabilities arising from accident, damage or theft of the insured’s bike. It takes care of the third party liabilities as well as the damage occurred to the insured’s bike. It provides financial security and peace of mind to the policyholders.

Shriram Comprehensive Bike Insurance vs Third Party Bike Insurance

Basis

Comprehensive Bike insurance

Third Party Bike insurance

Coverage

It provides coverage for the financial liabilities to the third party as well as own damage to the insured’s bike.

Third party bike insurance policy provides coverage only for the third party liabilities incurred due to the insured’s bike.

Add-ons

Comprehensive bike insurance comes with a variety of add-on covers. The policyholders can choose add-ons as per own preference.

Third party insurance does not offer any add-on cover.

Cost

The comprehensive policy is relatively expensive as it provides extensive coverage to the policyholders.

The third party policy is cost-effective due to its limited coverage.

What All is Covered Under Shriram Comprehensive Bike Insurance Plan?

Shriram comprehensive bike insurance provides coverage for the following:

  • Coverage for third party liabilities: The policyholder receives coverage for the financial and legal liabilities towards the third party caused by the insured’s bike. The insurer provides compensation up to Rs. 1 lakh for the property or vehicle damage of the third party. In case of bodily injury, disability or death of the third party, the compensation amount is decided by the court of law.
  • Protection against natural calamities: The plan provides coverage for damages incurred by the insured bike due to natural calamities such as flood, earthquake etc.
  • Protection against man-made disaster: The insurer covers the own damage incurred by the insured bike due to riots, strikes, fire and any other man-made disaster.
  • Theft of the insured’s bike: The plan provides insurance cover in case the insured’s bike gets stolen.

What All Is Not Covered Under Shriram Comprehensive Bike Insurance Plan?

Shriram comprehensive bike insurance policy refrains from providing coverage under the following circumstances:

  • Normal wear and tear
  • Mechanical or electrical breakdown
  • Absence of valid license while driving
  • For an accident due to contractual agreement
  • In case of conflict or war, mutiny or nuclear risk
  • For driving under the influence of alcohol or intoxicating drugs
  • If the bike was not driven by the described person at the time of the accident.

Shriram Comprehensive Bike Insurance Benefits

Shriram comprehensive bike insurance policy provides the following advantages to its policyholder:

  • Quick insurance claim settlement
  • Round the clock helpdesk service
  • The insurer compensates for the damage or theft of the insured bike
  • The coverage of the policy can be extended by availing add-on covers
  • The policy provides cashless repairs for the insured’s bike in the network garages
  • The insurer provides financial and legal assistance to the policyholder for the third party liabilities.

Explore Shriram Bike Insurance

Must Read Articles before buying Shriram Bike Insurance

Shriram Bike Insurance User Reviews

4.9
Rating based on
282 User reviews
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What users are saying
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  • Too many plans to choose from

    There are a lot of plans available on the InsuranceDekho website. After viewing all of them, I chose the Shriram bike insurance plan for my Liberty Bike Insurance Policy, the plan covers my bike with the best of the benefits and has satisfied me. Loved the plan.

    Read More

    P
    By Parth Kakkar
    On: March 17, 2023
  • Detailed explanation

    InsuranceDekho provides a detailed explanation about each plan they offer. After going through all the plans well in detail, I chose the Shriram bike insurance plan for my Mangus EX. I chose this plan because it met all my requirements. I am quite happy with my purchase.

    Read More

    A
    By Abhishek Kumar
    On: March 1, 2023
  • Informative website

    While buying the Shriram bike insurance plan for my Vespa SXL 150, from the InsuranceDekho website I read about various things that were displayed on the website. Like the IDV and its importance, claim settlement ratio, and a lot more. The benefits of the plan I bought were also available. The plan offers varied features and benefits that are expected from a good bike insurance plan. Happy with the purchase.

    Read More

    A
    By Arpit Pathak
    On: February 20, 2023
  • Authentic information

    I purchased Shriram bike insurance policy for my TVS Pep Plus from InsuranceDekho. I was able to purchase the insurance policy with the help of authentic information on the InsuranceDekho, the product description was detailed enough to help me understand all the features of the bike insurance policy. I am very happy with my purchase.

    Read More

    A
    By Akash Bajaj
    On: February 9, 2023
  • The reminder feature is amazin...

    The procedure of purchasing a plan is so much uncomplicated on the website as it is arranged perfectly. I purchased a Shriram bike insurance policy for my Triumph street twin from insurancedekho.com, which always reminds me to renew my policy on time.

    Read More

    V
    By Vikas Singh
    On: January 30, 2023
  • The reminder function is amazi...

    The procedure of purchasing a plan is so uncomplicated on the website as it is arranged perfectly. I purchased a Shriram bike insurance policy for my Triumph street twin from InsuranceDekho, which always reminds me to renew my policy on time.

    Read More

    A
    By Ayan Ajhmed
    On: January 24, 2023
  • Detailed explanation

    InsuranceDekho provides a detailed explanation about each plan they offer. After going through all the plans well in detail, I chose the Shriram bike insurance plan for my Mangus EX. I chose this plan because it met all my requirements. I am quite happy with my purchase.

    Read More

    A
    By Abhishek Kumar
    On: January 11, 2023
  • The Chat box feature availabl...

    The InsuranceDekho website has a chat box feature which is quite helpful. While buying the Shriram bike insurance plan for my Vespa Elegante 125, I listed all my queries on the chat box. All my queries were solved within seconds. Thanks to the team.

    Read More

    By Dhruv Sharma
    On: January 3, 2023
  • Informative website

    While buying the Shriram bike insurance plan for my Vespa Elegante 125 from the InsuranceDekho website, I learned about IDV and the importance of the claim settlement ratio. These are the things I didn't know before, and I am really happy that I know these now.

    Read More

    K
    By Kush Singhal
    On: October 13, 2022
  • Well managed website

    The InsuranceDekho website is very well managed and maintained. All the things are arranged properly. While buying the Shriram two-wheeler insurance for my Hero Splendor, it was very easy to locate everything that I wanted on the website.

    Read More

    V
    By Vivek Sharma
    On: August 24, 2022
Shriram Reviews

Shriram Comprehensive Bike Insurance FAQs

  • What are the factors on which the premium of Shriram comprehensive insurance policy depends on?

    The premium of Shriram comprehensive insurance policy depends on the following factors:

    • Cubic capacity of the engine
    • Carrying capacity or the gross weight of the vehicle
    • Age of the bike
    • Place of registration
    • Insured Declared Value (IDV) of the bike.

  • Can I stretch the coverage of Shriram comprehensive bike insurance policy?

    Yes, you can stretch the coverage of comprehensive bike insurance policy by opting for different add-ons offered by Shriram General Insurance. The add-ons can be chosen as per the requirement and preference of the policyholder.

  • Can Add-ons be added in the middle of the policy period?

    Yes, you can opt for add-ons in the middle of the policy period. However, the insurance company may conduct an inspection before providing the add-on cover.

  • What coverage will Shriram comprehensive policy provide outside the geographical area?

    Any damage occurred to the insured bike outside the geographical area does not get covered under the Shriram comprehensive bike insurance policy. The insurer sets a predetermined geographical area for each policyholder and the coverage is limited to that area.

  • Can I get coverage under Shriram comprehensive bike insurance policy if the bike is damaged due to a landslide?

    Yes, Shriram comprehensive bike Insurance policy provides coverage for any damage caused to the insured bike due to landslide or any other natural calamities.

FAQ
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