Car Insurance

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Insure Your New Car

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.

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.

Different Types Of Car Insurance

Key Benefits Of SBI General Car Insurance Policy

SBI General Key Features	Benefits
Car insurance premium	Starts at ₹2094[AD1] *
Cashless garages	Over 7000 network garages Basic + additional roadside assistance
No claim bonus	Up to 50%
Add-on covers	Approx 13 add-ons
Third-party damage cover	Covers injury/death of any third party and damage to any third-party property
Personal accident cover	₹15 lakhs for individual owners ₹2 lakhs/passenger for occupants of the vehicle
Own damage cover	Covers fire, explosion, accidental damage, natural calamities, theft, riot,  strike, malicious activity, etc.

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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.

Coverage Against 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.

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
Fleet owners managing multiple vehicles under one or more policies
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 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.

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.

Add-On Coverage Benefits

With add-ons*, you can expand your coverage to include benefits like zero depreciation, engine protection, and consumables cover for a more comprehensive shield. Add-ons are available at an additional premium.

Roadside Assistance

Roadside assistance covers the cost of seeking mechanical assistance in case of a breakdown, collision, or aid when you’re stranded on the road. It is also known as towing coverage and is available at an additional premium.

What’s Not Covered Under The Car Insurance Policy?

Accidental Damage Caused by Unauthorised Driver/s

Car insurance does not cover any loss or damage if the vehicle is driven by someone not listed or authorised in the policy.

Damage Caused by a Driver Without a Valid Driver’s Licence

A car insurance plan will not cover losses or damages that occur when a minor drives the car or if the driver does not have a valid driving license.

Damage Caused by an Intoxicated Driver

If the damage occurs when the driver is under the influence of alcohol or drugs, the car insurance will not cover the costs.

Wear and Tear

Normal wear and tear, ageing of the vehicle, and mechanical or electrical breakdowns are typically not covered under standard car insurance policies.

Driving Outside Policy Terms

Damage may not be covered if the vehicle is used for purposes not specified in the policy (e.g., using a private car for commercial purposes).

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How To Buy A Car Insurance Policy Online?

Input your car registration no, mobile number and pin code, and click ‘Proceed.’

1

Evaluate the covers based on features and add-ons. Choose a suitable motor insurance policy for your vehicle.

2

Input all the details, such as proposer details, EIA, nominee details, etc.

3

You can pay online and get your policy right away in your inbox.

4

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.

Why Should You Buy A Car Insurance Policy 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.

Hassle-Free Management

Several aspects of policy management, from buying to endorsements, renewals, and claims can be managed online without intermediary involvement.

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.

Want to save big on your Car Insurance?
Discover our top 6 tips to slash your premium and keep more money in your pocket. Drive smart, save more!

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Tips To Reduce Your 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 discount 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 always avoid making claims for small, minor damages. Saving your No Claim Bonus (NCB) can lead to a good amount of discounts 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.

Documents Required To Avail Online Insurance For Your Car

Proof of Identity and Address: Official ID (like an Aadhaar card, PAN card, passport, or driver's licence) and a utility (electricity) bill or bank statement for address proof.
Vehicle Registration Documents: Proof of your car's ownership and registration, including title or registration papers.
Previous Insurance Details: Information from your previous policy, such as expiration date and number of claims, if you’re switching insurers.
Vehicle Inspection Report: Insurers may require an inspection report to check the car's condition and any pre-existing damages.
Additional Documents: Depending on the requirement, you might need to provide address proof, income proof, and a No Objection Certificate (NOC) if the car was previously registered to someone else.

How To File A Car Insurance Claim Online At SBI General

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.

Call SBI General Insurance on 1800 102 1111 or email customer.care@sbigeneral.in and inform the team about 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 Policy FIR copy, as per the policy terms and conditions.
An arrangement will be made by us 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.
You can get the car repaired and pay the bills for now.
Submit all bills and payment receipts along with your policy details to SBI General Insurance, and the respective team will make the payment within 7 working days of completion of the documentation.

Don’t let common errors cost you time and money when you need it the most!
Know the mistakes drivers can make when claiming car insurance.

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How Do You Renew Car Insurance Online?

Driving around with expired motor insurance is of no use and can land you in hot water with legal authorities. If you want to renew your insurance policy, you can do so online at SBI General, by following the process listed below:

Visit the official SBI General website and select your purchased insurance policy.
Plug in your car's number and any other fields required.
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 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 chosen mode.
Once you have completed the process, your renewal documents will be sent to your registered address.

How To Download Your Car Insurance Policy Copy

First, visit your insurer's official website and navigate to the car insurance section. Then, log in using your policy number, name, and contact details.

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Next, 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.

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Finally, check your email for the download link if prompted. Download and print the document for your records. You can also use the insurer’s mobile app to log in and download the policy. You should always contact the official customer support for any issues.

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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. A good policy should also cover add-ons like zero depreciation, engine protection, and roadside assistance to provide additional protection.

Check Insurer’s Reputation

Always check to see if the insurer has a good claim settlement ratio and good customer reviews. A high claim settlement ratio indicates reliability and efficiency in processing claims, which is very important in times of need.

Analyse Discounts and Benefits

Many insurers offer discounts for installing anti-theft devices, maintaining a good driving record, or going for a higher deductible. Take advantage of these benefits to reduce your premium.

Conclusion

Just like you compare models while purchasing a car, it’s natural to want to compare plans while buying insurance. The need to be financially cautious and choose a plan that you can afford and that will meet your coverage requirements is understandable. To help you invest well, online platforms enable you to compare a range of insurance plans and make the best choice. You can head to the official website of SBI General and look at all the available car policies. Some insurance terms and documents also provide breakdowns of the kind of coverage each policy offers and the premiums payable each month. With so much information at your fingertips, you can easily compare the plans and pick one that will best suit your financial standing and insurance needs.

FAQs About 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 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.

Yes, NCB facility can be availed if there is a change of insurer on renewal. The insured has to produce proof of the NCB earned by way of renewal notice from the current insurer.

Any change in the vehicle ownership needs to be informed to Insurer immediately in writing.

Zero depreciation cover, also called 'zero dep' policy, offers complete coverage without factoring in depreciation on spare parts damaged during admissible own damage claim.

For a brand-new car & in case of renewal before expiry date, pre-inspection is not required. But, in case of break-in of the policy, inspection of the vehicle is a precondition for policy issuance.

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