Shriram Car Insurance Add on Covers

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You must acquire a policy to protect your vehicle if it damages your car or injures a third party or the property in an accident. With Shriram car insurance add-on covers, the protection is only enhanced for the policyholders.  Add-on covers are an excellent way to strengthen the security of your car in the event of an accident. Shriram car insurance add-on covers would be an excellent addition to your existing policy. Furthermore, they would provide you with complete financial freedom and peace of mind when driving your car. These add-on covers come at an extra premium. So, the premium of the base plan and the rider will be added, and you will need to pay the consolidated sum on the due date.

Shriram - 12 Important Add-On Covers for Your Car Insurance Policy

Shriram car insurance add-on covers are detailed below. 

  • Daily Allowance 

When you do not have transportation, the Shriram vehicle insurance add-on cover will come in handy. This coverage compensates the policyholders daily for transportation expenditures incurred while their car is being repaired. People who are involved in accidents and leave their vehicles in a garage suffer transit issues. This is the cover for those occasions. A daily allowance cover is typically intended for cars that have been in the repair garage for more than three days and can be extended up to 15 days in rare cases. 

  • Roadside Assistance Cover

This sort of Shriram car insurance add-on cover, as the name implies, is intended for situations when you are involved in an accident and require roadside help. This add-on covers expenditures incurred by the policyholders for towing and repairing their vehicles. This add-on would also cover costs such as a flat tyre, a dead battery, key retrieval, and so on. You can purchase this add-on to supplement your original plan's coverage. 

  • Repair of Parts

Repairs to car parts that have been damaged are covered under this policy. Below is how this Shriram car insurance add-on cover works. 

  1. Key Replacement: The Shriram vehicle insurance crucial replacement add-on pays for the costs associated with replacing a lost automobile key. If your car keys are taken, this add-on policy will pay the cost.
  2. Engine Secure: The engine protection cover safeguards your engine and its interior components in the event of an accident. People living in flood-prone locations should choose this coverage for expenses incurred due to damage to the gearbox, transmission and differential assembly.
  • Emergency Expenses

Emergency transportation and hotel charges are also useful extras. It might be useful if you were left in the middle of nowhere after your car was involved in a minor accident. This rider would pay for transportation and hotel accommodations. 

  • Tyre Secure

This rider would provide coverage if your car's tyres and tubes suffer damage in an accident. This Shriram car insurance add-on cover is only available for newer vehicles less than five years old.

  • Consumable Expenses

In the event of an accident, car consumables such as the gearbox, screws, nuts and bolts, lubricant, engine oil, etc, must be replaced. These are not covered by other insurance policies. The consumable expenses rider covers costs incurred for the replacement of consumables. 

  • Zero Depreciation Cover

A zero depreciation Shriram car insurance policy covers expenditures incurred in an accident regardless of the car's depreciated value. The claim would thus cover depreciation, and the insured would not have to pay out of pocket. 

  • Return To Invoice

Under this rider, if your car sustains irreparable damage and is declared a total loss, the car insurance company will cover all expenses incurred between the insured declared value (IDV) and the invoice value of the car. 

  • Loss of Personal Belongings

If you lose personal belongings in your car at the time of the accident, this rider will pay you. This rider is only applicable to losses in excess of INR 250. 

Among the Shriram car insurance add-on covers, choose the one that you feel is more important to you. 

Shriram Car Insurance Add on Cover FAQs

  • 1. Will I lose my Shriram car insurance NCB if I file a minor damage claim?

    Yes, filing a claim for minor damages will prevent you from receiving a no claim bonus (NCB) from Shriram.

  • 2. What exactly is covered by the loss of Shriram car insurance personal belongings rider?

    The personal belongings rider would cover the loss of items such as clothing, audio and video CDs, etc. 

  • 3. How much extra premium shall I need to pay for Shriram car insurance add-on covers?

    The extent of the extra premium will depend purely on the policy wordings you get from Shriram while purchasing its car insurance policy. 

  • 4. Does Shriram car insurance have a zero-depreciation rider for older vehicles?

    A 0% depreciation cover is not available for vehicles more than five years old. 

  • 5. Can I add more coverage to my Shriram third-party auto insurance policy?

    Add-ons to a third-party car insurance coverage are not available. 

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