Shriram General Insurance Company is a joint venture between Shriram Capital Limited and Sanlam Limited, the leading insurance company in South Africa.  The company offers a wide range of general insurance solutions such as two-wheeler insurance, four-wheeler insurance, and travel insurance.

Shriram General Insurance Stand Alone Own Damage 2 Wheeler Policy

A Stand Alone Own Damage policy specifically covers damages and losses of your own car. Third-party liability is not covered by SAOD insurance. Fire, theft, roadside accidents, man-made disasters, and natural calamities are all covered under this insurance.

Benefits of buying Stand Alone Own Damage policy from Shriram General Insurance Company

  • Natural disasters, vandalism, and accidents are all covered under the policy
  • Theft and total damage are covered
  • A range of add-on covers available to enhance policy benefits
  • Quick claim settlements and easy renewals
  • Premiums are affordable

How to buy Shriram General Insurance Stand Alone Own Damage Policy

  1. Visit the Quickinsure website from your browser
  2. Click on the ‘2 wheeler insurance’ icon on your screen
  3. Enter your vehicle’s registration number according to the RC
  4. You can compare quotations from various insurers and select the one that fits your needs
  5. Fill out the proposal form
  6. Complete the payment and your policy will be instantly in your mailbox

 Coverage of Shriram General Stand Alone Own Damage Policy

  • In the case of an accident or collision, this coverage covers your vehicle's damages.
  • This policy will cover the cost of replacing your bike if it is stolen.
  • If a fire breaks out and your bike is damaged as a result of the fire. Your SAOD insurance will cover it.
  • The policy will also cover damages arising out of natural causes such as cyclones, hurricanes, floods, etc.

Exclusions under Stand-Alone Own Damage Policy with Shriram general insurance.

  • Driving without a license will not get coverage
  • Consequential Damages do not get coverage
  • Addons that are not bought are not get covered
  • Third party liabilities do not get any cover
  • If the vehicle is used for any illegal activity, then the claim gets rejected.


  • Can I file a claim if my driver's license is expired?

No, if you don't have an invalid driver's license, you won't be able to file a claim.

  • Is comprehensive insurance the same as own damage insurance?

No, the SAOD insurance or own damage insurance only covers own-damage losses; whereas, the comprehensive coverage covers both third-party and own-damage losses.

  • Is SAOD policy compulsory in India?

No, SAOD policy is not mandatory. Only third party coverage is mandatory in India.

  • How long is the 2 wheeler insured under the SAOD policy?

Policyholders are protected for the duration of the policy. The duration is usually one year and start and end date are mentioned in the policy documents.

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