Shriram Car Insurance Claim
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Shriram Car Insurance Claim
An insurance claim is an official request made by the policyholder to the insurance company for compensating for the loss/damage involving his/her insured car. The amount of claim that the policyholder is entitled to entirely depends on the type of policy purchased. Shriram General insurance allows its policyholders to make instant claims and provides quick and convenient claim settlements.
Documents Required For Shriram Car Insurance Claim Settlement
- Policy Document
- Duly filled and signed claim form
- Car’s Registration Certificate (RC)
- Driving Licence
- Identity proof
How To Make A Cashless Shriram Car Insurance Claim?
Step 1: Claim Intimation
The first step involves informing Shriram General Insurance about the accident/mishap involving the insured car. For this, you can either call the Shriram Claims Help Desk (CHD) at 1800-300-30000/1800-103-3009.
Alternatively, you can visit the official website of Shriram General insurance, click on the ‘Claims’ tab present on the homepage and select the ‘Intimate a Claim’ option. Download and fill the claim settlement sheet available there and click the ‘Submit’ button. Post this, a shriram General Insurance representative will contact you for further details and instructions.
Step 2: Claim Registration
After receiving an intimation from you about the mishap involving your insured car, Shriram General Insurance will register your calsim and provide you with a claim reference number.
Step 3: Assessment of Suffered Loss
After the claim has been successfully registered, the insurer will assign a loss assessor/surveyor to you who will come to the spot of the mishap and assess the extent of damage suffered by your insured car. The details of the surveyor will be given to you via SMS/Email.
Step 4: Submission Of Documents
After the completion of survey of damage by the surveyor, you need to submit all the required documents to him/her for further processing of your claim.
Step 5: Repair And Final Claim Settlement
After submission of all the required documents get your car towed to the nearest Shriram General Insurance authorised garage and get it repaired. Free towing facility is provided by Shriram General Insurance up to 50 kilometres exceeding which, the policyholder is required to pay for the charges according to the terms and conditions of their policy.
The insurer will pay the entire repair cost subject to your claim amount to the workshop, you just need to pay for the compulsory deductible and voluntary deductible if you had opted for it at the time of policy purchase.
How To Make A Reimbursement Shriram Car Insurance Claim?
Step 1: Claim intimation
Inform the company about the road accident/mishap as soon as possible by calling their help desk at 1800-300-30000/1800-103-3009 or submitting the claim form available on their website.
The Shriram General Insurance claim intimation sheet can be downloaded by visiting the insurer’s official website, going to the ‘Claims’ tab and selecting the option for ‘Intimate a Claim’.
Step 2: Arrangement Of A Surveyor
After receiving the claim intimation, the insurer will assign a claim reference number to you and arrange a loss assessor to survey and evaluate the damage incurred by your insured car. You will receive the details of the surveyor via a text message/email on your registered mobile number.
Step 3: Submission Of The Required Documents
At the time of survey of your car, provide all the necessary documents to the surveyor to help him/her process the claim.
Step 4: Car Repairs
Get your car towed to the garage of your choice. Shriram General Insurance provides towing facilities with a charge of Rs. 295 during the time of policy issuance. If you opt for it, then you can avail free towing service up to 50 kilometres, exceeding which the towing expenses will be borne by you.
Step 5: Payment and Reimbursement
Pay the repair cost to the garage and initiate a reimbursement for the claim amount with the insurer. Shriram General Insurance will reimburse you the entitled claim amount within 7 working days provided that you furnish all the necessary documents and original receipts of the repairs in time.
Common Claim Rejection Reasons
- When a fraudulent claim with an exaggerated description of damages is presented by a policyholder.
- If the accident occurred due to mindful negligence on the part of the driver.
- If the accident occurred because the driver was under the influence of intoxicants like alcohol or drugs.
- If the insurance policy has expired.
- If the vehicle was repaired before the surveyor evaluated the damages.
Shriram No Claim Bonus
A No Claim Bonus is a reward which is offered to policyholders who did not raise any claim during the policy period. The insurance company provides this benefit at the time of policy renewal. The NCB benefit ranges between 20% and 50% which keeps on increasing with every consecutive claim-free year and it is applicable on the own-damage premium component of your car insurance policy. Even a single claim during the policy year can make this benefit null and void. Due to this, every policyholder should try to avoid making a claim by driving responsibly as well as by bearing small claims on your own.
The No Claim Bonus is an award provided to the insured person and not the vehicle as it is an acknowledgement of your safe driving throughout the policy period. This feature of NCB allows the policyholders to get it transferred to their another car insurance policy or to secure a new car after selling the old one. Also, as this benefit can be earned at the time of renewal only, hence, it is recommended to all the policyholders to renew their insurance policies on time. To retain the no claim bonus benefit, you can also opt for a No Claim Bonus Protection add-on cover, which secures your bonus even after making the claim.
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Shriram Car Insurance Claim FAQs
What documents do I need to initiate a claim?To initiate a car insurance claim, you need the following details and documents: Policy number Exact details of time and place of accident/mishap Name of the driver Contact details Driving Licence Nominee details ID proof
How long does it take for a Shriram claim to be processed?
Shriram General Insurance aims to settle a claim as soon as the policyholder provides all the documents to the company, however, it will take no longer than 7 days for a claim to be fully settled.
How can I locate a cashless garage associated with Shriram General Insurance?
To locate a cashless garage authorised by Shriram General Insurance, visit the insurer’s official website, locate and click on ‘Claims’ tab present on the homepage. Scroll down the ‘Claims’ page then click on the ‘Private Car Cashless Garages’ present under the heading of ‘Car Insurance’. On the next page, you will be given the option to select the state and city. A list of all the company’s cashless workshops will appear on the screen once you select your state and city. You can pick a garage that is the most convenient for you to access.
What is the amount that I am supposed to pay at the time of claim settlement?
The amount that you are supposed to pay at the time of claim settlement is dependent upon the type of insurance plan purchased and other add-ons. However, irrespective of it, you still have to pay for compulsory and voluntary deductibles (in the case opted while buying the policy).
Should I file an FIR even for a minor accident?
No, filing for an FIR at the police station only if the accident leads to severe injuries to an individual, theft of the vehicle or damage to any third party property.
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