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Coverage Against Third Party Liabilities
Legal shield against law suits brought on by third-party individuals, including the cost of legal fees.- Need Help
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Ready To Get Started?
Reach Out & Give Us A Call. We're Here To Help. Available 24/7
Our Customers
1800 102 1111
Our Agents & Intermediaries
1800 22 1111
HEALTHLINE NUMBERS FOR OUR HEALTH INSURANCE CUSTOMERS & PA
Available 24/7
1800 210 3366
1800 210 6366
Need Support?
Have Queries About Your Current Product? Please Write Us An Email & We'll Sort it Out.
customer.care@sbigeneral.in
Protect Your Legal And Financial Liabilities With A Motor Act Only Insurance Policy
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Third-Party Injuries and Death
Compensation to third-party in case of accidents caused by the insured party, leading to third-party injuries, disabilities, or death.
Damages by Natural Calamities
Coverage against vehicle damages and losses caused by natural calamities like floods, earthquakes, storms, cyclones, etc.
Option to Add Riders Coverages
Facility to enhance coverage with add-on riders like Personal Accident Cover, Liability for Paid Driver, Bi-fuel kit cover, etc.
Why Choose A Motor Act Only Insurance Policy?
Safeguard Yourself Against Accidental Third-party Losses and Damages
SBI General’s Motor Act Only Insurance Policy is designed to help you protect your legal and financial liabilities in case your vehicle accidentally causes damages to third-party vehicles or property or leads to third-party injuries, disability or death in an accident caused by your vehicle.
Who Can Buy This Policy?
As a vehicle-owing Indian citizen/resident, you are obligated under the Motor Vehicle Act, 1988, to purchase a Motor Act Only Insurance Policy. Whether you own a two-wheeler, four-wheeler or commercial vehicle; whether you are a personal or commercial vehicle owner, you must mandatorily invest in a Motor Act Only Insurance Policy if you wish to exercise your right to drive on Indian roads, and to protect yourself from the legal and financial responsibly of compensating third-parties.
What is Covered Under Motor Act Only Insurance Policy
Take a look at the various features of the Motor Act Only Private Car Insurance (3 Years) offered by SBI General Insurance
Key Feature
- Personal Accident Cover.
- Additional Legal Liabilities for Paid driver/conductor/cleaner , employees and non-fare paying passengers.
- Bifuel kit.
This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.
For an additional premium, provides the following
What’s Covered
- Personal accident cover: of Rs. 1 lakh in case of two-wheelers and Rs. 2 lakhs for other class of vehicles for individual owner/s* of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle.
- Personal accident cover: of Rs. 1 lakh per person, in case of two-wheelers and Rs 2 lakhs per person for other class of vehicles, is also available for the occupant/s of the vehicle/s.
- Paid driver/conductor/cleaner employed in operation of vehicle.
- Employees travelling in/driving the vehicle other than paid driver.
- Non-fare paying passengers.
- Any Legal Liability arising out of the use of CNG-LPG bifuel kit.
Coverage
This policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act for all types of motor vehicles registered in India.This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property
1. Additional covers at extra cost
2. Additional Legal liabilities for:
3. Bifuel-Kit
What’s Not Covered
- Own Damage.
- Insured Vehicle gets stolen.
- Without driving license.
- Under the influence of drugs/intoxicant.
- War and Nuclear Operations.
Key Feature
What’s Covered
What’s Not Covered
Key Feature
- Personal Accident Cover.
- Additional Legal Liabilities for Paid driver/conductor/cleaner , employees and non-fare paying passengers.
- Bifuel kit.
This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property.
For an additional premium, provides the following
What’s Covered
- Personal accident cover: of Rs. 1 lakh in case of two-wheelers and Rs. 2 lakhs for other class of vehicles for individual owner/s* of the vehicle/s while driving. This benefit is however, not available for a Company owned vehicle.
- Personal accident cover: of Rs. 1 lakh per person, in case of two-wheelers and Rs 2 lakhs per person for other class of vehicles, is also available for the occupant/s of the vehicle/s.
- Paid driver/conductor/cleaner employed in operation of vehicle.
- Employees travelling in/driving the vehicle other than paid driver.
- Non-fare paying passengers.
- Any Legal Liability arising out of the use of CNG-LPG bifuel kit.
Coverage
This policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act for all types of motor vehicles registered in India.
This Policy protects against legal liability arising out of the use of the vehicle, towards third parties arising on bodily injury to / on death of a person and any damage caused to third party property
1. Additional covers at extra cost
2. Additional Legal liabilities for:
3. Bifuel-Kit
What’s Not Covered
- Own Damage.
- Insured Vehicle gets stolen.
- Without driving license.
- Under the influence of drugs/intoxicant.
- War and Nuclear Operations.
Not sure which plan to settle for?
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- CLAIM POLICY
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With our quick and seamless renewal process, you can renew your policy effortlessly from the comfort of your home.
Want to File a Claim on Your Existing Policy?
Customers’ well-being and convenience are top priority for us. We offer a hassle-free claim process & provide thorough claim assistance.
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At SBI General, we know that Trust is Earned
FAQs about Act Only Insurance Policy
Here are the commonly asked questions about Act Only Insurance Policy
If you are caught in an accident, third-party insurance covers third-party losses caused by your insured car. This could be injuries to or even the demise of a third-party person, or partial or total damage to a third-party vehicle or property.
Yes, a third-party insurance plan is mandatory as per the Motor Vehicles Act, and all vehicle owners must have third-party insurance (Act only) with them to be able to drive legally in India.
Irrespective of whoever was driving the vehicle at the time of the accident, we (SBIG) will cover your losses. But if a driver does not hold a valid driving licence or possess a learning licence, they won't be covered, and your claim can be nullified.
We cover your losses, irrespective of which city or state the incident happens in.
Product UIN
IRDAN144RP0001V01200910
Disclaimer:The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
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