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Private Car Insurance Policy - Package

  • 6973 Cashless Garages
  • Motor Claim Settlement Ratio 98% FY- 2022- 2023
  • Strong Technical Team of about 373 SBIG Members
    & Claims Team Spread across 106 locations Pan India
  • Claim Intimation, Status Tracking & Document
    Submission through Mobile App & WhatsApp

*FY'23

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Protect Your Dream Car with a Comprehensive Car Insurance Policy

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Accidental Damage to Vehicle

Accidental Damage to Vehicle

Coverage against loss or damage to the vehicle or its accessories due to fire, explosion, self ignition, accidental damage, and various other man-made or natural calamities.
Third Party Liability

Third Party Liability

Coverage against third party liability in case of injury/death of any third party or damage caused to third party property by the insured vehicle.
Personal Accident to Owner Driver

Personal Accident to Owner Driver

Compulsory personal accident cover of ₹15 lakh for individual owners of the vehicle while driving.
No Claim Bonus

No Claim Bonus

In case you do not make any claim for a particular year, you get rewarded with a No Claims Bonus (NCB) in the form of discount while renewing your policy.
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Why Sbi General Insurance

Why Private Car Insurance Policy - Package?

Secure Your Car & Make Your Drives Stress-Free

SBI General’s Private Car Insurance Policy - Package is a comprehensive car insurance plan that provides exhaustive coverage and safeguards you and your vehicle in case of any mishaps while on the roads. Moreover, this policy also insures you against third party liabilities, thereby making your drives stress-free.

Who Can Buy This Policy?

As per the Motor Vehicles (Amendment) Act, 2019, a third party liability policy is mandatory for vehicle owners to be able to drive their vehicles on Indian roads. However, for better and enhanced protection, it is advisable to opt for comprehensive car insurance as it covers own damage along with third party liabilities. All Indian vehicle owners can purchase SBI General’s Private Car Insurance Policy – Package and secure their vehicle from any mishaps.

What is Covered Under Private Car Insurance Policy - Package?

Take a look at the various features and benefits of the Private Car Insurance Policy - Package offered by SBI General Insurance

    • Compulsory third party liability with personal accident cover
    • Multiple covers with additional premiums: NCB, key replacement cover, bi-fuel kit, loss of belongings
    • Legal liability for paid driver and employees
    • Nil depreciation
    • Return to invoice
    • We offer motor insurance cover for private cars in the following cases:

      • Third party liability in case of injury/death of the person, or any damage caused to the property of the third party
      • Loss or damage to your car due to fire, self-ignition, accidental damage, explosion
      • Your car is covered against natural disasters like lightning, earthquake, hurricanes, cyclones, landslides, etc.
      • Personal accident cover up to Rs 15 lakh for individual owners while driving. Passengers can also get coverage up to Rs 2 lakh per person
      • Coverage for CNG/LPG bi-fuel 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 inclusions & exclusions is illustrative and not exhaustive. For a comprehensive list , please refer to policy wordings.

           

       

       

       

Highlights

Major Benefits

  • Compulsory third party liability with personal accident cover
  • Multiple covers with additional premiums: NCB, key replacement cover, bi-fuel kit, loss of belongings
  • Legal liability for paid driver and employees
  • Nil depreciation
  • Return to invoice

What’s Covered

    We offer motor insurance cover for private cars in the following cases:

    • Third party liability in case of injury/death of the person, or any damage caused to the property of the third party
    • Loss or damage to your car due to fire, self-ignition, accidental damage, explosion
    • Your car is covered against natural disasters like lightning, earthquake, hurricanes, cyclones, landslides, etc.
    • Personal accident cover up to Rs 15 lakh for individual owners while driving. Passengers can also get coverage up to Rs 2 lakh per person
    • Coverage for CNG/LPG bi-fuel 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 inclusions & exclusions is illustrative and not exhaustive. For a comprehensive list , please refer to policy wordings.

         

     

     

     

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Answer a few easy questions to help us create a plan for you.

  • RENEW POLICY
  • FILE A CLAIM
  • GARAGE NETWORK
RENEW POLICY

Wish to Renew Your Existing Policy?

With our quick and seamless renewal process, you can renew your policy effortlessly from the comfort of your home.

Renew Policy
FILE A CLAIM

Wish 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.

File a Claim
GARAGE NETWORK

Looking for Your Nearest Network Garage?

We are closer than you think. Benefit from our wide network of garages & get your vehicle repaired conveniently.

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At SBI General, we know that Trust is Earned.

FAQs about Private Car Insurance Policy - Package

Here are the commonly asked questions about Private Car Insurance Policy - Package

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.

Stand-Alone Motor Damage Cover For Private Car

IRDAN144RP0001V01201920

Private Car Insurance Policy - Package

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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.
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