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SBI Comprehensive Car Insurance
SBI General’s comprehensive car insurance gives you many benefits. Unlike the basic third-party cover, this plan protects your car, you, and others if there is an accident. It covers damage or theft of your car, injury or death of you or other people, and damage to other people's property.
It also protects against things like fire, explosion, accidents, natural disasters, and riots. If you choose to pay a small part of the repair cost yourself (called Voluntary Excess), you can get a discount on your insurance price.
Benefits of SBI General Comprehensive Car Insurance
SBI General’s comprehensive car insurance helps you save money after an accident. Because it covers many things, you do not have to pay for everything yourself. Here are the main benefits:
- 01
It pays for many costs after an accident, like damage or theft of your car, injury or death of you or other people, and damage to other people’s property.
- 02
You can get help anytime, day or night, from trained customer service staff.
- 03
You can fix your car at any cashless garage that works with SBI General; you won’t need to pay up front.
- 04
You can also buy extra cover (called add-ons) that can be very useful when you make a claim.
Motor Insurance Plans By SBI
What is Covered and Not Covered in Comprehensive Car Insurance?
Every insurance plan has things it covers and things it does not. Here is what SBI Comprehensive Car Insurance includes and excludes:
What it Covers
Fire & Explosions
If your car is damaged by fire or an explosion, the insurance will pay for it.
Accidents
If your car gets damaged in an accident, the insurance covers the cost.
Third-Party Liability
If your car hurts someone or damages their car or property, the insurance pays for it.
Natural & Manmade Disasters
Covers damage from things like floods, earthquakes, riots, or vandalism.
Theft
If your car is stolen, you’ll get money based on your car’s value (called IDV) written in your policy.
Personal Accident
If you get hurt in a car accident, the insurance helps with the cost.
What Does it not Cover
Depreciation
Normal wear and tear, like tyres wearing out, is not covered.
Mechanical & Electrical Problems
Issues like engine or wiring problems are not included unless you buy extra cover.
Driving After Drinking or Drugs
If you drive under the influence and there is damage, insurance will not pay.
Intentional Damage
If you damage something on purpose, it won’t be covered.
No or Invalid Licence
If you drive without a proper licence, the insurance won’t pay for any damage or injury.
FAQs
Yes. SBI has many cashless garages where you don’t need to pay upfront. The company pays the garage directly.
Yes. You can buy add-on covers like zero depreciation, engine protection, roadside help, and more to get better protection.
Yes. If you don’t make any claim during the policy year, you may get a No Claim Bonus (NCB), which gives you a discount when you renew your policy.
You can buy it online through the SBI General Insurance website or with Square Insurance. You just need your car details and ID proof.
It covers:Damage to your car from accidents, fire, or floodsTheft of your carInjuries or death of people (including you and others)Damage to someone else’s car or property