SBI Car Insurance –Car Insurance Policy starting at Rs. 3,043*
Key features and benefits of this policy
Get SBI General Car Insurance starting at just Rs. 3,043*
Learn about the features and benefits of the policy here
SBI General’s car insurance policy offers comprehensive coverage at low premiums. You can get the policy at Rs. 3,043*.
Get financial coverage for own damages and third-party damages up to the sum insured.
Personal accident cover
SBI General car insurance policy offers personal accident cover up to Rs. 15 lakh to the owner-driver of the car. It also offers coverage up to Rs. 2 lakh to the co-passenger in case of accidental injuries, disabilities, or death.
Depreciation reimbursement add-on cover
This add-on cover enables you to claim the full amount without any deduction of the depreciation value of the parts replaced. This add-on cover is beneficial for vehicles less than five years old.
No Claim Bonus (NCB) protection add-on cover
With this add-on cover, you can retain the existing NCB to benefit during renewal, provided only one claim has been made in a policy year.
Add-on hospital cash cover
Get cash benefit of up to Rs. 5,000 (for the owner-driver) and up to Rs. 2,000 (for the paid driver) to meet the daily medical expenses. You can avail the benefit for up to 30 days of hospitalisation.
Return to invoice add-on cover
This add-on cover enables you to claim insurance amount equal to the car’s invoice value. This means in case of total loss or constructive total loss of the vehicle, the SBI General car insurance policy will compensate for damage as per the original value of the car. It basically covers the difference between the ‘claim amount receivable’ and the ‘purchase price of the vehicle’ as per the invoice. This is excluded for imported vehicles and registered second owners.
Engine guard add-on cover
Covers the repair/replacement cost of the internal parts of the car, engine, or gearbox, in case of water ingression, or lubricant leakage due to an accident.
Roadside assistance (basic and additional)
You can avail of this 24x7 emergency service when your vehicle is immobile due to mechanical and electrical breakdown/flat tyre/dead battery/vehicle keys locked/running out of fuel.
Key replacement cover
Get reimbursement for expenses of repairing or replacing a lost, damaged, or stolen key up to the sum insured specified in your policy.
Eligibility criteria and documents required
Anyone fulfilling the below-given criteria is eligible to buy SBI General’s Private Car Insurance Policy Package. Also, below is some basic information you need to keep handy to buy the policy.
- Nationality: Indian
- Age: 18 years and above
- The vehicle being insured should have a valid registration number and certificate
Only basic information required while buying the policy:
- Car registration number
- Mobile number
- Residential PIN code
- Previous policy details
Step-by-step guide to buy this policy
How to apply for a SBI General Car Insurance
Just take a few simple steps to apply for your car insurance online.
Click on the 'Get Quote’ button on this page to visit the online application form.
Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
Choose the IDV, NCB value, add on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.
Choose SBI General Private Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’.
Enter the vehicle owner’s name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as per the RC) and previous policy details.
Review your previously filled details and make the payment through your preferred online payment mode – net banking, UPI, or credit/debit card to buy the policy.
After successful payment, you can download the policy document instantly. A copy of the document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the SBI General Private Car Insurance Policy:
- Key inclusions
- Key exclusions
|Covers damages caused to the insured vehicle and third-party vehicle. Also, covers injury caused to the policyholder and third party.
|Personal accident cover
|Coverage up to Rs. 15 lakh for owner-driver and up to Rs. 2 lakh for co-passenger in case of accidental injuries, disabilities, or death
|Seven add-on covers
|Add-on covers include: Depreciation reimbursement | Return to invoice | Roadside assistance (basic and additional) | Key replacement | Engine guard | NCB protection | Consumables cover | Hospital cash cover | Enhanced personal accident cover for unnamed passengers
|Covers the loss or damage caused in case the vehicle is stolen
|Natural and man-made calamities
|Covers damages caused due to natural or man-made calamities like earthquake, fire, riots, self-ignition, or floods
|Any loss or damage caused to your car outside the geographical area of India
|Driving under the influence of drugs or alcohol, and without a valid driving licence
|Normal wear and tear
|Repair or replacement costs of car parts that are damaged over time due to regular usage
How to raise a cashless claim
Follow these steps to raise cashless claim requests with SBI General Private Car Insurance Policy.
Step 1 - Contact the insurer
Visit the SBI General website or the SBI app with your registered mobile number and click on the ‘Intimate Claim’ section.
In case of an accident, you can call on 1800-102-1111 (toll-free) to register your claim or send an email to email@example.com
You can also send an SMS typing ‘CLAIM’ to 561612.
Step 2 – Fill the claim form
Fill out the claim form with the required details. In case of accident or theft claims, the list of required documents will be specified in the form. The insurer will send a surveyor to assess the vehicle damage and suggest a list of the nearest network garages.
Step 3 – Take the car to a network garage
You can either drive your car to the network garage or choose the towing service provided by the insurer.
Step 4 – Bill is settled between SBI General and the network garage
The insurer will settle the bill up to the sum insured with the network garage directly. You will only need to clear the balance (deductible) amount needs with the garage.
Fastlane Claim Settlement (FCS)
The insurer also offers ‘Fastlane Claim Settlement’ that facilitates quick motor claim settlement. This process fast tracks your claim process and completes in 2-3 days. Call on the toll-free number 1800-102-1111 and reach out to the claim manager. The person will assist you with any queries and documentation required.
How to raise a reimbursement claim
To reimburse your car repairing bills with the SBI General Private Car Insurance Policy, follow these steps.
Step 1 - Contact the insurer
Visit SBI General Insurance website or the SBI app with your registered mobile number and click on ‘Intimate Claim’ section.
In case of an accident, you can call on 1800-102-1111 (toll-free) to register your claim or send an email to firstname.lastname@example.org.
You can also send an SMS typing ‘CLAIM’ to 561612.
Step 2 – Repair your car at any of your preferred garages
You can repair your vehicle at any of your preferred garages, pay the bills, and retain the invoice.
Step 3 - Submit the required documents
Log into the official website or app and submit the reimbursement claim form. Upload the invoice and the other necessary documents along with the form.
Step 4 - Claim settlement
SBI will review your claim and verify the documents to process the reimbursement as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with SBI General Private Car Insurance Policy.
- Copy of the registration certificate (RC) of your vehicle
- Copy of your driving licence
- Copy of insurance policy and policy number
- Duly filled and signed claim form
- First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
- The original bills for the repairs of the car (in case of reimbursement claim)
- Description of the incident and photographs of the vehicle (if possible)
Frequently asked questions
SBI General Private Car Insurance Policy offers financial security against damages or losses caused to your insured vehicle and to third party. The insurer compensates for damages caused to the third-party’s property or vehicle or suffers any physical injury due to an accident involving your insured vehicle. The insurer also covers damages caused due to any natural or man-made disasters such as floods, earthquakes, fire, riots, theft, or violence. The policy also offers personal accident cover up to Rs. 15 lakh to the owner-driver and up to Rs. 2 lakh to the co-passenger in case of accidental death or disability.
You can directly contact the insurer to raise a cashless or reimbursement claim. Register your claim on SBI General’s official website or the SBI app with your registered mobile number and click on the ‘Intimate Claim’ section. You can also send an SMS by typing ‘CLAIM’ to 561612. While in case of an accident, you can call on 1800-102-1111 (toll-free) to register your claim or send an email to email@example.com.
You will receive the policy document of your car insurance on your registered email ID within 5-7 days of purchase. You can also visit the My Account section on Bajaj Finance website to access and download the policy document.
SBI General will send the policy document copy to your registered email ID. You will receive the email within 5-7 working days from the purchase date. You can also access your policy details through Bajaj Finance’s My Account section after 5-7 days from the day you bought the policy.
Yes, you can easily buy the SBI General Private Car Insurance Policy online through Bajaj Finance Insurance Mall. Bajaj Finance offers a 100% digital and paperless buy process. You only need to provide information such as your name, mobile number, car registration number, and previous policy details, if any.
Provides financial coverage for passengers who are travelling in the insured person’s car.
Covers the insured person against legal liabilities due to the loss/damage to a third party.
Safeguards the insured vehicle against unforeseen damages.
When the insured person gets injured due to their own negligence and barred from recovering any damages.