IRDAI product register · general insurance

Shriram General Insurance Policy Wordings

IRDAI's non-life product register lists 27 Shriram General products and 58 add-ons, approved 2017 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Liability · Workmen compensation · Motor · Crop and rural · Other

Fire and property (2)

Product	UIN	Approved	Policy wording
Shri Shopkeeper Package Insurance Policy	IRDAN137RP0004V02201718	12 Apr 2021	Wording
Shri Shopkeeper Package Insurance Policy	IRDAN137P0004V01201718	17 Jan 2018	Wording

Shop, office, home and business packages (7)

Product	UIN	Approved	Policy wording
Business Protector Policy	IRDAN137RP0004V02201011	12 Apr 2021	Wording
Shri Education Shield Insurance Policy	IRDAN137RP0014V02201920	26 Apr 2021	Wording
Shri Education Shield Insurance Policy	IRDAN137RP0014V01201920	20 Jan 2020	Wording
Shri Home Care Insurance Policy	IRDAN137RP0001V02201718	12 Apr 2021	Wording
Shri Home Care Insurance Policy	IRDAN137P0001V01201718	18 Sep 2017	Wording
Shri Office Care Insurance Policy	IRDAN137RP0015V02201920	26 Apr 2021	Wording
Shri Office Care Insurance Policy	IRDAN137RP0015V01201920	13 Feb 2020	Wording

Liability (1)

Product	UIN	Approved	Policy wording
Shri Carrier’s Legal Liability Insurance	IRDAN137RP0024V01202122	29 Jun 2021	Wording

Workmen compensation (1)

Product	UIN	Approved	Policy wording
Shriram Employees Compensation Insurance	IRDAN137P0009V02200809	31 Mar 2017	Wording

Motor (11)

Product	UIN	Approved	Policy wording
3 Years Motor Private Car (Liability Only Policy)	IRDAN137RP0002V01201819	30 Aug 2018	Wording
3 Years Motor Private Car (Package Policy) 8 add-ons 3 Years Daily expense reimbursement IRDAN137RP0004V01201819/A0009V01201819 · 4 Sep 2018 Wording 3 Years Depreciation waiver IRDAN137RP0004V01201819/A0008V01201819 · 4 Sep 2018 Wording 3 Years Emergency transport and hotel expenses reimbursement IRDAN137RP0004V01201819/A0013V01201819 · 4 Sep 2018 Wording 3 Years Invoice Return IRDAN137RP0004V01201819/A0010V01201819 · 4 Sep 2018 Wording 3 Years Key Replacement IRDAN137RP0004V01201819/A0014V01201819 · 4 Sep 2018 Wording 3 Years Loss of Personal belongings IRDAN137RP0004V01201819/A0012V01201819 · 4 Sep 2018 Wording 3 Years Multi car benefit IRDAN137RP0004V01201819/A0015V01201819 · 4 Sep 2018 Wording 3 Years Repair of glass, fiber, plastic and rubber parts IRDAN137RP0004V01201819/A0011V01201819 · 4 Sep 2018 Wording	IRDAN137RP0004V01201819	30 Aug 2018	Wording
5 Years Motor 2 Wheeler (Liability Only Policy)	IRDAN137RP0003V01201819	30 Aug 2018	Wording
5 Years Motor 2 Wheeler (Package Policy) 1 add-on 5 Years Nil Depreciation of Two-Wheeler Package Policy (Motor Add-on) IRDAN137RP0005V01201819/A0016V01201819 · 4 Sep 2018 Wording	IRDAN137RP0005V01201819	30 Aug 2018	Wording
Bundled Motor 2 Wheeler Policy 5 add-ons Bundled Nil Depreciation of Two-Wheeler Policy (Motor Add-on) IRDAN137RP0007V01201819/A0025V01201819 · 4 Sep 2018 Wording Cover for Loss of Driving License and Registration Certificate -Bundled Motor 2 Wheeler Policy IRDAN137RP0007V01201819/A0003V01202122 · 1 Apr 2021 Wording Daily Expenses Reimbursement -Bundled Motor 2 Wheeler Policy IRDAN137RP0007V01201819/A0002V01202122 · 1 Apr 2021 Wording Hospital Daily Cash Allowance-Bundled Motor 2 Wheeler Policy IRDAN137RP0007V01201819/A0001V01202122 · 1 Apr 2021 Wording Personal Belonging-Bundled Motor 2 Wheeler Policy IRDAN137RP0007V01201819/A0004V01202122 · 1 Apr 2021 Wording	IRDAN137RP0007V01201819	30 Aug 2018	Wording
Bundled Motor Private Car Policy 8 add-ons Bundled Daily expense reimbursement IRDAN137RP0006V01201819/A0018V01201819 · 4 Sep 2018 Wording Bundled Depreciation waiver IRDAN137RP0006V01201819/A0017V01201819 · 4 Sep 2018 Wording Bundled Emergency transport and hotel expenses reimbursement IRDAN137RP0006V01201819/A0022V01201819 · 4 Sep 2018 Wording Bundled Invoice Return IRDAN137RP0006V01201819/A0019V01201819 · 4 Sep 2018 Wording Bundled Key Replacement IRDAN137RP0006V01201819/A0023V01201819 · 4 Sep 2018 Wording Bundled Loss of Personal belongings IRDAN137RP0006V01201819/A0021V01201819 · 4 Sep 2018 Wording Bundled Multi car benefit IRDAN137RP0006V01201819/A0024V01201819 · 4 Sep 2018 Wording Bundled Repair of glass, fiber, plastic and rubber parts IRDAN137RP0006V01201819/A0020V01201819 · 4 Sep 2018 Wording	IRDAN137RP0006V01201819	30 Aug 2018	Wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies	IRDAN137RP0026V01201819	28 Dec 2018	Wording
Long Term Two Wheeler Package Policy ('LTTWPP')	IRDAN137P0002V01201617	9 Jan 2017	Wording
Shri Electric Bike (E-Bike) Insurance	IRDAN137RP0001V01202223	13 Jun 2022	Wording
Stand-alone Motor OD (Private Car) 8 add-ons Daily Expense reimbursement - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0005V01201920 · 31 Jul 2019 Wording Depreciation waiver - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0004V01201920 · 31 Jul 2019 Wording Emergency transport and hotel expenses reimbursement - Stand-Alone Motor Own Damage Policy for Priv IRDAN137RP0002V01201920/A0009V01201920 · 31 Jul 2019 Wording Invoice Return - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0006V01201920 · 31 Jul 2019 Wording Key Replacement - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0010V01201920 · 31 Jul 2019 Wording Multi car benefit. - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0011V01201920 · 31 Jul 2019 Wording Personal belongings - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0008V01201920 · 31 Jul 2019 Wording Repair of Glass, Fiber, Plastic & Rubber Parts - Stand-Alone Motor Own Damage Policy for Private Car IRDAN137RP0002V01201920/A0007V01201920 · 31 Jul 2019 Wording	IRDAN137RP0002V01201920	31 Jul 2019	Wording
Stand-alone Motor OD (Two Wheeler) 5 add-ons Cover for Loss of Driving License and Registration Certificate -Stand-alone Motor OD (Two Wheeler) IRDAN137RP0003V01201920/A0007V01202122 · 1 Apr 2021 Wording Daily Expenses Reimbursement -Stand-alone Motor OD (Two Wheeler) IRDAN137RP0003V01201920/A0006V01202122 · 1 Apr 2021 Wording Hospital Daily Cash Allowance-Stand-alone Motor OD (Two Wheeler) IRDAN137RP0003V01201920/A0005V01202122 · 1 Apr 2021 Wording Nil Depreciation - Stand-Alone Motor Own Damage Policy for Two Wheelers IRDAN137RP0003V01201920/A0012V01201920 · 31 Jul 2019 Wording Personal Belonging-Stand-alone Motor OD (Two Wheeler) IRDAN137RP0003V01201920/A0008V01202122 · 1 Apr 2021 Wording	IRDAN137RP0003V01201920	31 Jul 2019	Wording

Crop and rural (3)

Product	UIN	Approved	Policy wording
Cattle (Livestock) Insurance Policy	IRDAN137P0002V01201718	23 Oct 2017	Wording
Pradhan Mantri Fasal Bima Yojana (PMFBY)	IRDAN137P0001V01201617	4 Jan 2017	Wording
Restructured Weather-based Crop Insurance Scheme (RWBCIS)	IRDAN137P0003V01201617	12 Jan 2017	Wording

Other (2)

Product	UIN	Approved	Policy wording
Shri Hotel and Restaurant Sampurna Surksha Insurance Policy	IRDAN137RP0013V02201920	26 Apr 2021	Wording
Shri Hotel and Restaurant Sampurna Surksha Insurance Policy	IRDAN137RP0013V01201920	9 Jan 2020	Wording

Add-ons filed on their own (23)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Add on Clauses for Industrial All Risk Policy	IRDAN137A0005V01201718	6 Feb 2018	Wording
Add on Clauses for Standard Fire & Special Perils Policy	IRDAN137A0003V01201718	2 Jan 2018	Wording
Claim Preparation Cost (Griha Raksha)	IRDAN137RP0027V01202021/A0025V01202122	19 Jul 2021	Wording
Claim Preparation Cost (Laghu Udyam)	IRDAN137RP0028V01202021/A0021V01202122	23 Jun 2021	Wording
Claim Preparation Cost (Sookshma Udyam)	IRDAN137RP0029V01202021/A0017V01202122	23 Jun 2021	Wording
Consumable for Private Car Policy	IRDAN137RP0016V01200809/A0017V01201920	31 Mar 2020	Wording
Consumable – Long Term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0010V01202122	1 Apr 2021	Wording
Cover for Loss of Driving License and Registration CertificateLong term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0014V01202122	1 Apr 2021	Wording
Daily Expenses Reimbursement Long term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0013V01202122	1 Apr 2021	Wording
Engine Protector for Private Car	IRDAN137RP0016V01200809/A0016V01201920	16 Feb 2020	Wording
Engine protector – Long Term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0009V01202122	29 Apr 2021	Wording
Hospital Daily Cash Allowance Long term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0012V01202122	30 Apr 2021	Wording
Installment Protection upto ₹ 50,000 per EMI (Laghu Udyam)	IRDAN137RP0028V01202021/A0020V01202122	23 Jun 2021	Wording
Installment Protection upto ₹ 50,000 per EMI (Sookshma Udyam)	IRDAN137RP0029V01202021/A0016V01202122	23 Jun 2021	Wording
Insurance of Additional Expenses of Rent for an Alternative Accommodation (Laghu Udyam)	IRDAN137RP0028V01202021/A0023V01202122	23 Jun 2021	Wording
Insurance of Additional Expenses of Rent for an Alternative Accommodation (Sookshma Udyam)	IRDAN137RP0029V01202021/A0019V01202122	23 Jun 2021	Wording
Loss Of Rent (Laghu Udyam)	IRDAN137RP0028V01202021/A0022V01202122	23 Jun 2021	Wording
Loss Of Rent (Sookshma Udyam)	IRDAN137RP0029V01202021/A0018V01202122	23 Jun 2021	Wording
Nil Depreciation Cover for Long Term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0001V01201819	17 Jul 2018	Wording
Personal Belonging Long term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0015V01202122	1 Apr 2021	Wording
Public Liability (Griha Raksha)	IRDAN137RP0027V01202021/A0026V01202122	19 Jul 2021	Wording
Return To Invoice - Long Term Two Wheeler Package Policy	IRDAN137RP0002V01201617/A0011V01202122	1 Apr 2021	Wording
Road side assistance for pvt car	IRDAN137RP0016V01200809/A0001V01201920	19 Jul 2019	Wording

Names in the register

IRDAI registration number 137. Filed as: Shriram General Insurance Company Limited; Shriram General Insurance Co. Ltd.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Shriram General policy wordings?

Above: every Shriram General product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Shriram General general insurance products are in IRDAI's register?

27 products and 58 add-ons, approved 2017 to 2022.

Which lines of cover does Shriram General file most?

By number of products in the register: motor 11, shop, office, home and business packages 7, crop and rural 3, fire and property 2.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.