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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.
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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.
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