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Shriram Standalone Own-Damage Car Insurance Policy

A standalone own-damage policy covers the own-damages that your car may sustain due to unforeseen instances. The standalone own-damage is one of the three types of car insurance which safeguards your insured car in different situations such as accidents, theft, natural and man-made disasters, fire, explosion, vandalism, and so on. Also, the policy tends to offer you compensation in times of financial crisis. In simple terms, the standalone own-damage cover with compulsory third party insurance is a great combination to own.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Shriram Third Party Insurance

Shriram Standalone Own-Damage

Shriram Comprehensive Insurance

Coverage

Shriram third party car insurance offers coverage for third party liabilities in case of an accident for their bodily injuries, death and property damage.

Shriram standalone own-damage car insurance gives coverage for own-damage expenses of the car in different situations such as accidents, fire, theft, natural and man-made calamities and so on. etc. Also, NCB for claim-free years is also provided with this policy.

Shriram comprehensive car insurance plans provide a holistic coverage under which they cover expenses for third party liabilities as well as own-damage expenses under a single amount of premium. It also offers an optional personal accident cover.

Add-ons

Shriram third party insurance does not give add-on covers to policyholders.

Shriram standalone own-damage insurance provides a range of add-on covers to policyholders.

Shriram comprehensive insurance policies provide different add-on covers to policyholders.

Cost

Shriram third party car insurance is quite an affordable car insurance policy and offers basic coverage.

Shriram standalone own-damage car insurance is more expensive than a third party insurance policy as it provides extensive coverage.

Shriram comprehensive car insurance plans are the costliest as they provide complete coverage for third party liabilities and own-damage cover under a single amount of premium.

What Is Covered Under Shriram Standalone Own-Damage Policy?

The following are some crucial aspects that are covered under a Shriram standalone own-damage cover:

  • Road accidents or collisions that damage the car.
  • Damages and losses due to theft, fire or total loss of the car.
  • A fire or an explosion that causes damage to the insured car.
  • Damages caused to the car due to a natural or manmade disaster.

What is Not Covered Under Shriram Standalone Own-Damage Policy?

The following are the aspects that are not covered under a Shriram standalone own-damage cover:

  • Default depreciation sustained by the insured car.
  • Accidents happen due to driving in any illegal manner.
  • If a car breaks down due to a mechanical or electrical glitch.
  • Accidents that occur outside the geographical boundaries of India.

Benefits of Shriram Standalone Own-Damage Policy

Following are the benefits of purchasing standalone own-damage insurance from Shriram General Insurance:

  • It protects your car in situations like accidents, fires, theft, etc.
  • It offers a No Claim Bonus to policyholders for claim-free years.
  • It offers add-on cover options to expand coverage of your policy.

How to Purchase Shriram Standalone Own-Damage Policy?

Here are the steps you need to take to purchase Shriram standalone own-damage car insurance:

Step 1: Visit the official website of InsuranceDekho and select the ‘Car’ tab.

Step 2: Enter your car’s registration number. In case you do not know your car’s registration, you can also enter your car’s make, model and year of registration to proceed.

Step 3: Fill up your correct and accurate personal details and then select ‘Submit and Get Quotes’.

Step 4: Policy quotes for own-damage policies offered by different insurers will display on the screen. Opt for the Shriram policy quote based on your needs and choose an add-on cover, which you want to buy.

Step 5: Make the payment for the Shriram car insurance policy. After the payment, the policy document will instantly be issued and sent to your registered email ID.

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Shriram Car Insurance User Reviews

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  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

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    By Tarun Kumar
    On: March 1, 2023
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

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    T
    By Tarun Kumar
    On: February 16, 2023
  • 7 days availability

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    By Anil Grover
    On: February 9, 2023
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    By Shripad Chittor
    On: February 3, 2023
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

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    On: January 11, 2023
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    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

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    A
    By Anant Goyal
    On: December 28, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: October 13, 2022
  • Relevant information on the we...

    The InsuranceDekho website has accurate and relevant information. While buying the Shriram car insurance plan for my MG Hector, I saw a lot of relevant information available on the website, which satisfied me to buy this plan and also made my purchase quick and smooth.

    Read More

    A
    By Anant Goyal
    On: August 24, 2022
  • Wide range of plans

    There are a lot of plans available on the InsuranceDekho website. After going through each of them, I chose the Shriram car insurance plan for my Kia Seltos. The plan is amazing and fulfills all my requirements at its best. Happy with the purchase of this plan.

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    By Dhairya Batra
    On: August 16, 2022
  • 7 days availability

    The InsuranceDekho website provides services to its customers on all 7 days of the week. I visited their website on a Sunday to buy the Shriram car insurance plan for my Kia Seltos. I could easily buy it, the team guided me throughout the process.

    Read More

    V
    By Vishal Singh
    On: August 9, 2022
Shriram Reviews

Shriram Standalone Own-Damage Car Insurance FAQs

  • What is Shriram General Own damage insurance cover?

    An own damage insurance plan helps the policyholder in staying protected against damage/loss sustained by own car because of any kind of theft, accident or mishap, etc.

  • What all documents are needed to make a claim for Shriram Own damage insurance cover?

    You need the following documents to make a claim:

    • Copy of car insurance policy
    • FIR Report Copy
    • Repair estimate
    • Car RC
    • Driving license
    • No claim certificate
    • Photos and other proofs of the accident
    • Other documents (in case asked by the insurer)

  • Is it compulsory to buy an own damage insurance plan for my car?

    No, buying an own damage insurance cover is not necessary, it depends entirely upon the requirements of a policyholder.

  • How is premium calculated for Shriram General Car insurance plan?

    The premium is calculated by taking into consideration various aspects such as car age, car make, car model, engine cc, geographical zone, vehicle type, etc.

  • How is own damage insurance different from third party insurance plans?

    Own damage insurance cover offers financial safety to the policyholder against the damages or losses caused to the own vehicle in an accident or mishap. While, on the other hand, a third party insurance cover offers protection to the insured against a third party person or property in an accident or mishap.

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