SBI Car Insurance –Car Insurance Policy starting at Rs. 3,043*

Key features and benefits of this policy

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Get SBI General Car Insurance starting at just Rs. 3,043*

Learn about the features and benefits of the policy here

  • Low premiums  

    Low premiums  

    SBI General’s car insurance policy offers comprehensive coverage at low premiums. You can get the policy at Rs. 3,043*.

  • Comprehensive coverage

    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.

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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.

Eligibility criteria

  • Nationality: Indian
  • Age: 18 years and above
  • The vehicle being insured should have a valid registration number and certificate

Documents required

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

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How to apply for a SBI General Car Insurance

Just take a few simple steps to apply for your car insurance online.

  • Step 1

    Click on the 'Get Quote’ button on this page to visit the online application form.

  • Step 2

    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.

  • Step 3

    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.

  • Step 4

    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.

  • Step 5

    Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’.

  • Step 6

    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.

  • Step 7

    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.

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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
Key inclusions Description
Comprehensive coverage 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
Theft 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
Key exclusions Description
Location Any loss or damage caused to your car outside the geographical area of India
Intoxication 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

    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 customer.care@sbigeneral.in

    You can also send an SMS typing ‘CLAIM’ to 561612.

  • Step 2 – Fill the claim form

    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

    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

    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)

    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

    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 customer.care@sbigeneral.in.

    You can also send an SMS typing ‘CLAIM’ to 561612.

  • Step 2 – Repair your car at any of your preferred garages

    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

    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

    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

Why should I buy a car insurance policy from SBI General Insurance?

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. 

How to claim SBI General Insurance for my car?

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 customer.care@sbigeneral.in.

How can I download the policy document for my SBI General car insurance policy?

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.

Where can I check the policy details of my car insurance policy?

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.

Can I buy SBI General car insurance policies online?

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.

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely voluntary after you exercise independent due diligence on the suitability, and viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage under the Private Car Insurance Policy - Package (UIN: IRDAN144RP0005V03201112). Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions, and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any will be as per the prevailing tax laws.

*Premium indicated is inclusive of taxes for third party coverage of four-wheeler up to 1000 CC. Premium may vary based on the specification of the vehicle.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.