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Car Insurance
₹24,000Cr+
Claims Handled
8700+
Network Garages
140+
Locations
₹24,000Cr+
Claims Handled
8700+
Network Garages
140+
Locations
Buy Car Insurance Policy Online
Car insurance provides financial protection against expenses arising from damage to your vehicle, as well as injury or property damage involving third parties.
Owning a car makes every-day travel more convenient, comfortable, and flexible, be it one’s daily commute or getting around the city. To keep your driving experience worry-free, it’s important to be prepared for unexpected situations like repairs or replacement costs. A car insurance policy helps you manage these expenses efficiently while ensuring financial peace of mind.
Buy Car Insurance Policy Online
What Is Car Insurance?
A car insurance policy is a type of insurance that protects the vehicle-owner against damage to their vehicle and pays for any third-party liability.
As per the Motor Vehicles Act,1988, as may be amended from time to time, third-party liability coverage is a legal requirement for every car in India. Driving a car without the mandatory third-party coverage is a punishable offence. However, if you want to protect your car fully, a comprehensive car insurance plan covers your vehicle’s damages as well as the third-party property or vehicle damage in case of an accident. It also covers damages due to natural calamities, theft, fire, riots, and more, as laid down in the policy wordings.
What Is Car Insurance?
Different Types of Car Insurance
There are three main types of car insurance policies, each designed to offer a different level of protection. Comprehensive car insurance provides the most extensive coverage by including both third-party liabilities and damage to your own vehicle.
Own damage car insurance focuses only on covering damages to your own vehicle, making it suitable when third-party coverage is already separately in place. Third-party car insurance, on the other hand, covers liabilities arising from injury or property damage caused to others and is mandatory as per law.
| Factors | Comprehensive Car Insurance | Own Damage Car Insurance | Third-Party Car Insurance |
|---|---|---|---|
| Coverage Scope | Covers both third-party liabilities and damages to your own vehicle | Covers only damages to your own vehicle | Covers only third-party liabilities |
| Own Vehicle Damage | Covered | Covered | Not Covered |
| Third-Party Liability | Covered | Not Covered | Covered |
| Natural Calamities | Covered (floods, earthquakes, etc.) | Covered | Not Covered |
| Theft & Fire | Covered | Covered | Not Covered |
| Personal Accident Cover | Included | Optional/Not included by default | Included |
| Add-On Availability* | Available | Available | Not Available |
| Legal Requirement | Optional | Optional | Mandatory |
*Add-ons are subject to payment of additional premium. For more details, please refer to the policy wordings and prospectus before concluding the sales.
Why Should You Buy Car Insurance?
Mandatory Requirement
According to the Motor Vehicle Act 1988, as maybe amended from time to time, every vehicle in India must have an insurance policy that covers third-party liability. If your car does not have an insurance policy, you can incur penalties like fines and suspension of your driving license. For complete protection of your vehicle, a comprehensive plan can be ideal.
Financial Protection
A car insurance policy helps safeguard you from unexpected financial burdens caused by accidents, theft, fire, or natural calamities. Repair or replacement costs can be high, and having insurance ensures you don’t have to bear these expenses entirely on your own, giving you peace of mind in uncertain situations.
Third-Party Liabilities
In case your vehicle causes injury to another person or damages someone else’s property, car insurance helps cover the associated legal and financial liabilities. This can prevent significant out-of-pocket expenses and legal complications.
Room for Customisation
Many insurance plans offer different add-on covers*, letting you customise your coverage. You can either opt for basic third-party liability insurance or go for a complete coverage plan with add-on covers*.
Peace of Mind
Knowing that you are financially protected against a wide range of risks allows you to drive with greater confidence. Insurance reduces stress during emergencies and helps you focus on resolving the situation instead of worrying about expenses.
Cashless Repair
Many insurers offer a wide network of cashless garages where your vehicle can be repaired without upfront payments. This makes the claims process more convenient and hassle-free.
Mandatory Requirement
According to the Motor Vehicle Act 1988, as maybe amended from time to time, every vehicle in India must have an insurance policy that covers third-party liability. If your car does not have an insurance policy, you can incur penalties like fines and suspension of your driving license. For complete protection of your vehicle, a comprehensive plan can be ideal.
Financial Protection
A car insurance policy helps safeguard you from unexpected financial burdens caused by accidents, theft, fire, or natural calamities. Repair or replacement costs can be high, and having insurance ensures you don’t have to bear these expenses entirely on your own, giving you peace of mind in uncertain situations.
Third-Party Liabilities
In case your vehicle causes injury to another person or damages someone else’s property, car insurance helps cover the associated legal and financial liabilities. This can prevent significant out-of-pocket expenses and legal complications.
Room for Customisation
Many insurance plans offer different add-on covers*, letting you customise your coverage. You can either opt for basic third-party liability insurance or go for a complete coverage plan with add-on covers*.
Peace of Mind
Knowing that you are financially protected against a wide range of risks allows you to drive with greater confidence. Insurance reduces stress during emergencies and helps you focus on resolving the situation instead of worrying about expenses.
Cashless Repair
Many insurers offer a wide network of cashless garages where your vehicle can be repaired without upfront payments. This makes the claims process more convenient and hassle-free.
*Add-ons are subject to payment of additional premium. For more details, please refer to the policy wordings and prospectus before concluding the sales.
Key Features of SBI General Car Insurance Policy
| SBI General Key Features | Benefits |
|---|---|
| Car insurance premium | Starts at ₹2094* |
| Cashless garages | Over 9277 network garages# Basic + additional roadside assistance |
| No claim bonus | Up to 50% |
| Add-on covers$ | Over 13 add-ons, including Depreciation Reimbursement, Engine Guard, Consumables Cover, and more. |
| Third-party damage cover | Covers injury/death of any third party and damage to any third-party property |
| Personal accident cover | ₹15 lakh for individual owners ₹2 lakh/passenger for occupants of the vehicle |
| Own damage cover | Covers fire, explosion, accidental damage, natural calamities, theft, riot, strike, malicious activity, etc. |
$Add-ons are subject to payment of additional premium.
#As on 2026
* Premium may differ as per coverages and other factor opted at time of quotation.
Secure your ride with our comprehensive car Insurance!
Who Can Buy A Car Insurance Policy?
Who Can Buy A Car Insurance Policy?
Individual car owners with a registered vehicle in their name
New car buyers purchasing insurance at the time of vehicle registration
Used car owners looking to insure or renew an existing policy
Companies or businesses owning cars for official or commercial use
Anyone listed as the vehicle owner in the Registration Certificate (RC).
Find the most suitable car insurance plan with SBI General Insurance.
What’s Covered and Not Covered Under The Car Insurance Policy?
Damage/Loss
A car insurance policy helps cover the damage caused to your car, the driver, or a third party, depending on policy wording.
Personal Accident Cover
Offers financial protection against permanent/total disability and death caused by an accident; coverage can be extended to other passengers as well.
Coverage against Third-Party Liabilities
If your car is involved in a collision or accident, you might have to deal with damage or loss to the property or person of a third party, as well as legal costs. If such a liability arises, you can fall back on the insurance policy to cover the financial costs.
Coverage Against Natural Calamities
Comprehensive plans typically cover damages caused by floods, earthquakes, cyclones, and other natural disasters, which can otherwise lead to significant expenses.
Coverage Against Man-Made Incidents
Policies may also cover damages arising from events such as riots, vandalism, strikes, or malicious acts, offering broader protection.
Coverage for Theft or Total Loss
In case your vehicle is stolen or damaged beyond repair, comprehensive insurance ensures you receive compensation based on the insured value, helping you recover financially.
Damage/Loss
A car insurance policy helps cover the damage caused to your car, the driver, or a third party, depending on policy wording.
Personal Accident Cover
Offers financial protection against permanent/total disability and death caused by an accident; coverage can be extended to other passengers as well.
Coverage against Third-Party Liabilities
If your car is involved in a collision or accident, you might have to deal with damage or loss to the property or person of a third party, as well as legal costs. If such a liability arises, you can fall back on the insurance policy to cover the financial costs.
Coverage Against Natural Calamities
Comprehensive plans typically cover damages caused by floods, earthquakes, cyclones, and other natural disasters, which can otherwise lead to significant expenses.
Coverage Against Man-Made Incidents
Policies may also cover damages arising from events such as riots, vandalism, strikes, or malicious acts, offering broader protection.
Coverage for Theft or Total Loss
In case your vehicle is stolen or damaged beyond repair, comprehensive insurance ensures you receive compensation based on the insured value, helping you recover financially.
Don’t wait until it’s too late.
Protect your vehicle and your peace of mind with our comprehensive car Insurance.
What is IDV in Car Insurance?
What is IDV in Car Insurance?
Insured Declared Value (IDV) is the current market value of your car and the maximum amount your insurer will pay in case of total loss or theft. It is calculated by adjusting the manufacturer’s listed price for depreciation.
Factors that can affect IDV include:
Vehicle’s age and depreciation rate
Make, model and variant of the car
Original manufacturer’s listed price
Fuel type (petrol, diesel, CNG, electric)
Installed accessories
Previous modifications, if any.
Factors Affecting Car Insurance Premium
Vehicle Make and Model
The type of car you own, can have a major impact on your premium. Luxury and high-end
vehicles often have higher rates due to increased repair and replacement expenses.
Insured Declared Value (IDV)
IDV represents your car’s approximate current value and the maximum claim amount in
case of total loss or theft. A higher IDV increases your premium, while a lower IDV can
reduce both premium and coverage.
Vehicle Age
Newer cars usually have higher premiums compared to older cars. This is because newer
vehicles tend to have a higher market value.
Type of Coverage
Comprehensive policies offering extensive protection against various risks will cost more
than basic third-party liability coverage.
Add-ons
Add-on covers provide enhanced protection for the insured vehicle during accidental loss; however, they are optional benefits available at an additional premium. Therefore, it is important to select add-ons carefully based on individual requirements to achieve an optimal balance between coverage and cost.
No Claim Bonus (NCB)
If you haven’t made any claims during the policy period, you can benefit from a No Claim
Bonus, which provides a reduction on your renewal premium.
Vehicle Make and
Model
The type of car you own, can have a major impact on your premium. Luxury and high-end
vehicles often have higher rates due to increased repair and replacement expenses.
Insured Declared Value (IDV)
IDV represents your car’s approximate current value and the maximum claim amount in
case of total loss or theft. A higher IDV increases your premium, while a lower IDV can
reduce both premium and coverage.
Vehicle Age
Newer cars usually have higher premiums compared to older cars. This is because newer
vehicles tend to have a higher market value.
Type of Coverage
Comprehensive policies offering extensive protection against various risks will cost more
than basic third-party liability coverage.
Add-ons
Add-on covers provide enhanced protection for the insured vehicle during accidental loss; however, they are optional benefits available at an additional premium. Therefore, it is important to select add-ons carefully based on individual requirements to achieve an optimal balance between coverage and cost.
No Claim Bonus (NCB)
If you haven’t made any claims during the policy period, you can benefit from a No Claim
Bonus, which provides a reduction on your renewal premium.
How is Car Insurance Premium Calculated?
Your Car’s Value (IDV)
The Insured Declared Value (IDV) is the current market value of your car and the maximum
claim amount. A higher IDV increases premium but ensures better financial protection, while
a lower IDV reduces premium but may lead to insufficient coverage.
1
Coverage You Choose
Your premium depends on whether you opt for third-party, own damage, or comprehensive
coverage. Adding covers like zero depreciation, engine protection, or roadside assistance
provide further protection in case of accidental loss at an additional premium.
2
Risk & Usage Factors
Premium is influenced by your car’s make, model, age, engine capacity and location.
3
Premium Adjustments
Your final premium is adjusted based on No Claim Bonus (NCB), voluntary deductibles, and
installed safety features.
4
Your Car’s Value (IDV)
The Insured Declared Value (IDV) is the current market value of your car and the maximum
claim amount. A higher IDV increases premium but ensures better financial protection, while
a lower IDV reduces premium but may lead to insufficient coverage.
1
Coverage You Choose
Your premium depends on whether you opt for third-party, own damage, or comprehensive
coverage. Adding covers like zero depreciation, engine protection, or roadside assistance
provide further protection in case of accidental loss at an additional premium.
2
Risk & Usage Factors
Premium is influenced by your car’s make, model, age, engine capacity and location.
3
Premium Adjustments
Your final premium is adjusted based on No Claim Bonus (NCB), voluntary deductibles, and
installed safety features.
4
How to Optimise Car Insurance Premium
Install Anti-Theft Devices
Always equip your car with anti-theft devices approved by the Automotive Research Association of India. This can potentially lower the risk of theft and can lead to you getting a reduction on your premium.
Try to Opt for a Higher Voluntary Deductible
Choosing a higher voluntary deductible means you agree to pay more out of your own pocket in the event of a claim. This can significantly reduce the premium you pay and showcase you as a responsible, low-risk driver.
Claim Smartly
You can avoid making claims for small, minor damage. Saving your No Claim Bonus (NCB) can lead to a good amount of reduction on your premium. Accumulating this saved NCB over the years can help in maintaining a lower premium.
Renew on Time
Timely renewal of your policy is always extremely important. Late renewals may lead to the loss of your saved-up NCB and could require a car inspection, both of which can increase your premium. Make sure that you renew your policy before it expires to avoid these additional costs.
Install Anti-Theft Devices
Always equip your car with anti-theft devices approved by the Automotive Research Association of India. This can potentially lower the risk of theft and can lead to you getting a reduction on your premium.
Try to Opt for a Higher Voluntary Deductible
Choosing a higher voluntary deductible means you agree to pay more out of your own pocket in the event of a claim. This can significantly reduce the premium you pay and showcase you as a responsible, low-risk driver.
Claim Smartly
You can avoid making claims for small, minor damage. Saving your No Claim Bonus (NCB) can lead to a good amount of reduction on your premium. Accumulating this saved NCB over the years can help in maintaining a lower premium.
Renew on Time
Timely renewal of your policy is always extremely important. Late renewals may lead to the loss of your saved-up NCB and could require a car inspection, both of which can increase your premium. Make sure that you renew your policy before it expires to avoid these additional costs.
How To Choose The Best Four-Wheeler Insurance Policy Online
Check Coverage Options
Always look for a policy that offers extensive coverage, including third-party liability, own damage, theft, and natural calamities. Also, consider add-ons* like zero depreciation, engine protection and roadside assistance.
Check Insurer’s Reputation
Always check to see if the insurer has a good claim settlement ratio, solid customer reviews, and a credible reputation. These aspects ensure you have a smooth experience buying and managing the insurance plan.
Check Network Garages
Ensure the insurer has a wide network of cashless garages near your location. This makes repairs more convenient and reduces out-of-pocket expenses.
Consider IDV Carefully
Choose an appropriate Insured Declared Value (IDV). A higher IDV increases your premium but offers better compensation, while a lower IDV reduces both premium and claim amount.
Check Renewal Benefits
Look for benefits like No Claim Bonus (NCB) and easy renewal options, which can help you save on premiums over time.
Compare Premiums and Policy Inclusions
Look beyond the price and carefully review what is included in the coverage, as a slightly higher premium may offer better benefits.
Check Coverage Options
Always look for a policy that offers extensive coverage, including third-party liability, own damage, theft, and natural calamities. Also, consider add-ons* like zero depreciation, engine protection and roadside assistance.
Check Insurer’s Reputation
Always check to see if the insurer has a good claim settlement ratio, solid customer reviews, and a credible reputation. These aspects ensure you have a smooth experience buying and managing the insurance plan.
Check Network Garages
Ensure the insurer has a wide network of cashless garages near your location. This makes repairs more convenient and reduces out-of-pocket expenses.
Consider IDV Carefully
Choose an appropriate Insured Declared Value (IDV). A higher IDV increases your premium but offers better compensation, while a lower IDV reduces both premium and claim amount.
Check Renewal Benefits
Look for benefits like No Claim Bonus (NCB) and easy renewal options, which can help you save on premiums over time.
Compare Premiums and Policy Inclusions
Look beyond the price and carefully review what is included in the coverage, as a slightly higher premium may offer better benefits.
Enhance Your Car Insurance Policy with Add-Ons*
Depreciation Reimbursement
Covers depreciation on replaced parts during claims, leading to a higher payout and reducing out-of-pocket expenses for repairs.
Protection of NCB
Retain your No Claim Bonus even after making a claim, helping you continue enjoying premium discounts on renewal.
Return to Invoice
Covers the financial gap between the claim amount and the original invoice value in case of theft or total loss of the vehicle.
Key Replacement
Covers the cost of replacing lost or damaged car keys during the policy period for one insured event.
Inconvenience Allowance
Provides a daily cash benefit if your vehicle is under repair for a specified period due to an insured claim
Loss of Personal Belongings
Covers loss or damage to personal belongings inside the vehicle due to theft or accident, up to specified limits.
Basic Roadside Assistance
Provides emergency services like towing, minor repairs, battery jumpstart and flat tyre assistance during unexpected breakdowns.
Additional Roadside Assistance
Extended roadside support, including taxi benefits and advanced assistance services during major breakdowns or emergencies.
Engine Guard
Covers repair costs for engine damage due to water ingression or oil leakage, which are typically excluded in standard policies.
Cover for Consumables
Covers the cost of consumables like engine oil, nuts, bolts, screws and lubricants during claim-related repairs.
EMI Protector
Pays your car loan EMIs for a defined period if your vehicle is under repair for more than a specified number of days after an insured accident, subject to policy limits and conditions.
Enhanced Personal Accident Cover
Offers higher compensation for accidental death or disability for owner-driver, passengers and paid driver beyond basic coverage.
*Add-ons are subject to payment of additional premium.
What is No Claim Bonus (NCB)?
No Claim Bonus (NCB) is a discount offered by insurers on your car insurance premium for every claim-free policy year. It rewards safe and responsible driving by reducing renewal premiums over time.
The discount increases progressively with consecutive claim-free years, subject to policy terms and can be transferred when switching insurers. However, making a claim may reduce or reset your NCB unless you opt for the NCB protection add-on.
What is No Claim Bonus (NCB)?
Pay As You Drive Insurance Policy
The Pay As You Drive (PAYD) Insurance policy from SBI General Insurance provides more freedom and affordability.
What It Means
PAYD is a usage-based car insurance plan where your premium depends on the distance you drive. Instead of paying a fixed annual premium, you select a kilometre-based plan suited to your driving habits. It is ideal for those who use their car occasionally or for shorter distances.
How It Works
Pay As You Drive (PAYD) insurance offers flexible coverage based on how much you use your car. Your premium is calculated according to the distance driven, tracked through an odometer or telematics device. Lower usage can lead to lower premiums, which makes it cost-effective for infrequent drivers. While coverage can be customised, the claims process remains similar to regular insurance claims.
Benefits
PAYD plans offer cost savings by aligning premiums with actual usage, helping avoid overpaying for low mileage. They provide flexibility to choose usage slabs, making them budget-friendly and efficient. Additionally, they encourage mindful driving habits and are particularly useful for households with multiple vehicles, where not all cars are used regularly.
Suitable For
This plan is ideal for individuals who drive occasionally, such as those working from home, using public transport frequently or owning multiple cars. It is also well-suited for senior citizens, urban users with limited daily commutes, or anyone looking to optimise insurance costs based on actual vehicle usage.
Car Insurance for Electric Vehicles (EVs)
Car Insurance for Electric Vehicles (EVs)
SBI General Insurance offers car insurance solutions for electric vehicles, designed to cover key components such as the battery, motor and charging equipment. In addition to standard third-party and own damage cover, the policy accounts for the higher repair and replacement costs associated with EVs.
With tailored coverage, efficient claims support, and flexible options, SBI General Insurance helps EV owners stay protected against evolving risks while enjoying a seamless insurance experience.
Dos and Don’ts of Buying Car Insurance
| Don't | Do Instead |
|---|---|
| Choose a policy based only on the lowest premium | Compare coverage, benefits, and add-ons* to ensure adequate protection, not just cost savings |
| Ignore add-ons to reduce premium | Select relevant add-ons* like zero depreciation or engine protection based on your driving needs |
| Set a very low IDV to save money | Choose a balanced IDV that reflects your car's market value for better claim settlement |
| Skip reading policy terms and exclusions | Carefully review inclusions, exclusions, deductibles, and claim conditions before buying |
| Forget to transfer NCB | Always transfer your NCB when switching insurers to retain premium discounts |
| Delay policy renewal or let it lapse | Renew your policy on time to maintain continuous coverage and avoid inspections or penalties |
| Provide incorrect vehicle or personal details | Ensure all information is accurate to avoid claim rejection or policy issues later |
| Ignore claim settlement ratio and insurer credibility | Choose a reliable insurer with strong claim support and service track record |
How to Buy a Car Insurance Policy Online?
How to Buy a Car Insurance Policy Online?
- Go to SBI General Insurance Website, browse over to 'Products', and then select 'Private Car Insurance Policy'.
- Input your car registration number, mobile number and pin code, and click 'Proceed.'
- Evaluate the covers based on features and add-ons; choose a suitable motor insurance policy for your vehicle.
- Input all the details, such as proposer details, EIA, nominee details, etc.
- Complete your KYC, pay online and get your new car insurance policy right away in your inbox.
Why Should You Buy Car Insurance Online
Convenience
With digital user journeys, one can buy new car insurance online anytime, anywhere in a convenient manner.
Time-Saving Process
The entire journey, from entering details to payment, is quick and streamlined, allowing you to get insured in just a few minutes.
Easy Comparison
Compare multiple plans, coverage options, add-ons and premiums to make a more informed decision.
Minimal Documentation
Reduced paperwork with digital submissions makes the process simpler and more efficient.
Accessible Customer Support
Get assistance through chat, helplines or online resources, with support available round the clock.
Instant Policy Issuance
Once payment is completed, the policy document is generated instantly and shared digitally for easy access.
Convenience
With digital user journeys, one can buy new car insurance online anytime, anywhere in a convenient manner.
Time-Saving Process
The entire journey, from entering details to payment, is quick and streamlined, allowing you to get insured in just a few minutes.
Easy Comparison
Compare multiple plans, coverage options, add-ons and premiums to make a more informed decision.
Minimal Documentation
Reduced paperwork with digital submissions makes the process simpler and more efficient.
Accessible Customer Support
Get assistance through chat, helplines or online resources, with support available round the clock.
Instant Policy Issuance
Once payment is completed, the policy document is generated instantly and shared digitally for easy access.
Documents Required to Buy Online Insurance for Your Car
Documents Required to Buy Online Insurance for Your Car
To purchase an insurance policy, you may provide your CKYCR (Central KYC Records Registry) number.
If your CKYCR number is unavailable, you will need to submit alternative documents such as:
- Proof of identity and address
- Vehicle registration documents
- Previous insurance details (in case of switching insurers)
- Vehicle inspection report
- Additional documents required to complete the KYC process and issue the policy.
How to File a Car Insurance Claim Online at SBI General Insurance
- Call SBI General Insurance on 1800 102 1111 or email at customer.care@sbigeneral.in and inform the team about your claim with your policy details.your claim with your policy details.
- Once your claim is registered, a customer support executive will provide you with a Claim Reference Number.
- You will be required to submit the relevant documents, including your driving license, RC copy, and FIR copy (as applicable), as per the policy terms and conditions.
- An arrangement will be made by the SBI General Insurance team for an inspection, which will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
- On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, and payment can be made directly to the garage.
- You will only be required to pay the deductible as mentioned in the policy and the depreciation value, salvage amount, etc., as the surveyor has informed you.
Documents Required to Claim Car Insurance
| Category | Documents |
|---|---|
| Basic Documents | Duly filled and signed claim form |
| RC copy of the insured vehicle | |
| Original estimate of loss (repair estimate) | |
| Original repair invoice and payment receipt | |
| In Case of Cashless Claims | Repair invoice from the network garage |
| Additional Documents (If Applicable) | FIR copy (mandatory in case of theft or major accidents) |
| Car keys (to be submitted in case of theft claims) | |
| Non-traceable certificate (required for theft claims after police verification) |
How to Renew Car Insurance Online?
For car insurance renewal online at SBI General Insurance, follow the process listed below:
- Visit the official SBI General Insurance website, then browse over to ‘Renewals’, and then click on ‘Motor Policy’.
- Enter Policy Number and the car’s RC number.
- Enter your policy’s expiry date and whether or not you have filed a claim under it.
- Choose the renewal policy suited for your plan and pick the cover you want to add.(If you have not filed any claim, you can avail of the perks associated with the No Claim Bonus feature.)
- Fill in additional details and proceed towards payment
- Once your identity has been verified, you can pay using your preferred payment method.
- Once you have completed the process, your renewal documents will be sent to your registered address.
How to Renew Car Insurance Online?
How To Download Your Car Insurance Policy Copy
Via Website
- On the SBI General Insurance website, go to Quick Links, then Download Policy, then Motor Policy.
- Enter policy number and car registration number.
- Find the option to download your policy document. Click the download button, and you might receive an OTP or a link via your registered email. Follow the instructions to access your policy.
- Finally, check your email for the download link if prompted. Download and print the document for your records.
Via DigiLocker
- Download/Log into DigiLocker.
- Go to Search a Banking, Financial Services and Insurance.
- Search for SBI General Insurance.
- Enter policy number and engine/chassis no.
- Get Document.
Via SBI General Insurance Mobile App
- Download and log in to the SBI General Insurance app.
- Visit the 'My Policies' section, and you will see a 'Download Policy' option. Click on it to proceed.
- Choose 'Motor Insurance' and 'Continue'.
- Enter details to download the policy.
Via Website
- On the SBI General Insurance website, go to Quick Links, then Download Policy, then Motor Policy.
- Enter policy number and car registration number.
- Find the option to download your policy document. Click the download button, and you might receive an OTP or a link via your registered email. Follow the instructions to access your policy.
- Finally, check your email for the download link if prompted. Download and print the document for your records.
Via DigiLocker
- Download/Log into DigiLocker.
- Go to Search a Banking, Financial Services and Insurance.
- Search for SBI General Insurance.
- Enter policy number and engine/chassis no.
- Get Document.
Via SBI General Insurance Mobile App
- Download and log in to the SBI General Insurance app.
- Visit the 'My Policies' section, and you will see a 'Download Policy' option. Click on it to proceed.
- Choose 'Motor Insurance' and 'Continue'.
- Enter details to download the policy.
Car Insurance Terms to Know
Premium
The amount you pay to the insurer to keep your car insurance policy active and valid.
Depreciation
Reduction in your car’s value over time due to age, wear and tear, impacting claim payouts.
Third-Party Liability
Covers legal and financial liabilities for injury, death, or damage caused to a third party
Own Damage
Covers repair or replacement costs for damages to your own vehicle due to accidents, fire, or natural events.
Consumables
Items like engine oil, nuts, bolts, and lubricants, which are usually not covered unless you opt for a consumables add-on.
Voluntary Deductible
The amount you choose to pay from your pocket during a claim to reduce your insurance premium.
Cashless Garage
Network garages where repairs are done without upfront payment, as the insurer settles bills directly with the garage.
Total Loss
When the repair cost exceeds a significant portion of the car’s IDV, making it uneconomical to repair.
Compulsory Deductible
A fixed amount mandated by the insurer or regulator that must be paid by the policyholder for every claim.
Add-Ons*
Optional covers like zero depreciation or engine protection that enhance your base policy coverage at an extra cost.
*Add-ons are subject to payment of additional premium.
FAQs on Car Insurance Policy
Yes, the city of registration & the city in which the vehicle is used are critical factors that affect the premium.
Any modification in the vehicle needs to be duly informed to the respective RTO office & you must also get your RC endorsed. The same needs to be informed to the insurer as the premium may be impacted.
Any change in the vehicle ownership needs to be informed to the insurer immediately in writing.
Yes, the policy must be transferred to the new owner after vehicle ownership transfer. Inform the insurer and submit the required documents.
For a brand-new car & in case of renewal before expiry date, pre-inspection is not required. But, in case of a break-in of the policy, inspection of the vehicle can be a pre-condition for policy issuance.
Yes, at least third-party insurance is mandatory by law for all vehicles.
Private Car Insurance Policy - Package
Stand-Alone Motor Damage Cover For Private Car
IRDAN144RP0001V01201920
Private Car Insurance Policy - Package
IRDAN144RP0005V03201112
Bundled Private Car Insurance Policy
RDAN144RP0006V02201819
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.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
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.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
*T&C Apply
