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Motor Act Only Private Car Insurance (3 Years)

  • Legal Liability Cover
  • No Annual Renewal
  • Long Term Coverage
  • Third Party Damages

Protect Your Legal Obligations With Long-Term Motor Act Only Private Car Insurance Policy

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3 Years of Coverage

3 Years of Coverage

Enjoy uninterrupted coverage against all kinds of third-party liabilities for 3 years non-stop.
Third-party Compensation

Third-party Compensation

Reduce the burden of financially compensating third-party for damages caused to their vehicle or properties.
Accidental Damages

Accidental Damages

Get legal protection in case of accidents causing injuries, disabilities or death of third parties.
Additional Riders

Additional Riders

Customise the policy with additional riders like Personal Accident Cover, Driver/Employee Liability Cover.
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Why Sbi General Insurance
Why Choose A Motor Act Only Private Car Insurance Policy?

Get Coverage Against Accidental Third-party Losses and Damages

SBI General’s Motor Act Only Private Car Insurance Policy gives you the necessary legal and financial protection against accidental damages endured by third-party vehicles/properties. The policy safeguards the insured if the accident causes the third-party to sustain injuries, disabilities or leads to their demise.

Who can buy this policy?
Under the Motor Vehicle Act, 1998, all car owners are legally obligated to purchase a Motor act Only Insurance Policy. As a vehicle owner, you must comply with this minimum requirement if you wish to drive your car on Indian roads. Purchasing Motor Act Only Private Car Insurance Policy is recommended for customers who do not want the hassle of renewing policies every year. It is also an ideal policy for those who wish to legal and financial protection.

What is Covered Under Motor Act Only Private Car Insurance (3 Years)?

Take a look at the various features of the Motor Act Only Private Car Insurance (3 Years) offered by SBI General Insurance

      • Covers Third-Party Liability.
      • Long term: 3 years.
    • Coverage
      Our motor car insurance offers Third Party cover against any legal liability if your car has caused accidental injury to a third party or damaged a third party’s property.

        Additional Benefits Include:
      • Personal accident cover of Rs. 15 lakhs for two-wheelers and private cars for individual owner/s*. The cover is available at Rs 1 lakh per person for two-wheelers and Rs 2 lakhs for other vehicles.
        Additional Legal Liabilities:
      • Driver or other staff employed to operate or clean the vehicle.
      • Employees travelling in or driving the car (apart from the driver).
      • Legal liabilities for using a CNG/LPG bifuel kit.
      • We do not offer coverage for damage, theft or loss due to incidents related to the war, invasion, foreign enemy acts, mutiny, rebellion, etc. Any claims made must be proved to be an act not related to any of these conditions.
      • Driving without a valid licence.
      • Driving under the influence of drugs and alcohol


      Important Note: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

Key Features

    • Covers Third-Party Liability.
    • Long term: 3 years.

What’s Covered 

    Coverage
    Our motor car insurance offers Third Party cover against any legal liability if your car has caused accidental injury to a third party or damaged a third party’s property.

      Additional Benefits Include:
    • Personal accident cover of Rs. 15 lakhs for two-wheelers and private cars for individual owner/s*. The cover is available at Rs 1 lakh per person for two-wheelers and Rs 2 lakhs for other vehicles.
      Additional Legal Liabilities:
    • Driver or other staff employed to operate or clean the vehicle.
    • Employees travelling in or driving the car (apart from the driver).
    • Legal liabilities for using a CNG/LPG bifuel kit.

What’s Not Covered

    • We do not offer coverage for damage, theft or loss due to incidents related to the war, invasion, foreign enemy acts, mutiny, rebellion, etc. Any claims made must be proved to be an act not related to any of these conditions.
    • Driving without a valid licence.
    • Driving under the influence of drugs and alcohol


    Important Note: The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

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    FAQs about Motor Act Only Private Car Insurance (3 Years)

    Here are the commonly asked questions about Motor Act Only Private Car Insurance (3 Years)

    If you are caught driving without valid third-party liability insurance, you will be liable to pay a fine; additionally, your licence may be disqualified under such an act, and/or there may be imprisonment charged under such an act.

    A Motor Act Only policy for 3 years freezes the premium rates for the entire policy tenure. Which means the premium amount remains the same throughout the policy term. Thus, it erases possible hikes in premium rate revisions and service charges every year.

    In the event of 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.

    No, you cannot lose your No Claim Bonus discount if the third-party car insurance claim is intimated because this discount is applicable on premiums offered or comprehensive car insurance policies.

    No, a third-party car insurance plan, though mandatory, offers limited coverage against third-party losses only. Hence, you cannot add any add-ons, even zero depreciation add-ons, to your third-party car insurance plan.

    Product UIN

    IRDAN144RP0002V01201819

    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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