SBI Car Insurance

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Compare & Save upto 85%* on Car Insurance
SBI Car Insurance
  • 16000 Cashless garages

  • Plan starting @ ₹ 2094#

  • 98% Claim settlement ratio

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      SBI Car Insurance

      SBI car insurance offers monetary coverage to the insured car against unpredictable loss or accidental damages. Since insurance is absolutely necessary for every car owner in India, SBI General Insurance Company has come up with tailor-made car insurance plans which fit the necessities and provisions needed by an individual to cover his/her car against unforeseen expenses

      Read more

      About SBI General Insurance Company Limited

      SBI General Insurance Co. Ltd. is one of the most trusted general insurers in India. It is a joint venture between the State Bank of India and the Insurance Australia Group (IAG). State Bank of India is the country's largest and foremost leading commercial bank in terms of profit, balance sheet, deposits, customer base and network of branches. On the other hand, IAG is a pioneer in general insurance, mainly in Australia, New Zealand and Asia.

      SBI General Insurance Company aims to provide innovative and simple general insurance solutions ranging from health, motor, home, and travel insurance. The company also fulfils the insurance needs of the retail, corporate and SME segments.

      Key Features of SBI Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 98%
      Personal Accident Insurance Up to Rs. 15 Lakhs
      Network Garages 16,000
      No Claim Bonus Yes
      No. of Zero Dep Claims Unlimited
      No. of Comprehensive Claims Unlimited

      Benefits of SBI Car Insurance

      Take a look at the features and benefits of SBI car insurance:

      • Cashless facility is available in more than 16,000 authorised network garages.
      • Personal Accident Cover of Rs. 15 lakh is available for the owner/driver of the insured car.
      • Availability of affordable car insurance that can be easily customised.
      • No Claim Bonus discount is also given on every claim-free policy year.
      • The insurance company offers a fast, convenient and transparent claims process.

      Types of SBI Car Insurance Policy

      SBI car insurance offers three major types of car insurance plans, which are explained below:

      1. SBI Third Party Liability Car Insurance Policy

        This SBI motor insurance policy provides legal liability coverage for the third party, which is mandated by the motor laws. It covers any damages sustained by the third party property or injury or death of the third party in case of an accident from the insured car.

        The compensation offered under the third-party liability policy is unlimited for death or injury. For third party property damage, it is limited to up to Rs. 7.5 lakh.

      2. SBI Standalone Own Damage Policy

        The Own Damages car insurance policy covers a policyholder against damages sustained by the insured car due to events like theft, fire, natural calamities, road accidents, etc. The policy excludes covering third party liability and, thus, can be purchased with an existing third-party liability car policy.

      3. SBI Comprehensive Car Insurance

        The comprehensive motor insurance policy by SBI General Insurance Company covers the insured car against damages arising due to unforeseen events like a road accident, manmade acts, earthquake, fire, theft, etc. Moreover, the comprehensive car insurance policy also covers third-party damages arising due to the insured car.

      SBI Car Insurance Premium Calculator

      Before choosing the right SBI vehicle insurance policy, a policyholder can also calculate the premium of a motor insurance plan by using a Car Insurance Premium Calculator. This enables him/her to check the premium beforehand and proceed only if the policy fits within his/her budget.

      Coverage Under SBI Car Insurance

      • Natural Calamities: Damage to the vehicle due to natural calamities like storms, floods, earthquakes, tempests, landslides, etc
      • Manmade Acts: Damages sustained by the insured vehicle due to manmade acts like riots, terrorism and strikes.
      • Fire: Losses to the insured car due to fire or explosion.
      • Theft: Loss or damages resulting from theft, burglary or housebreaking.
      • Liability to Third Party: Damages sustained by the third party due to the insured car. These include property damages, death or injury of third-party.
      • In-transit Damages: Loss or damage to the insured car while it was in transit via train, air, water, etc.
      • Wear and Tear: Damages to the insured vehicle due to normal wear, tear and general ageing of the vehicle.
      • Breakdown: Damages arising due to the mechanical and electrical breakdown of the insured car.
      • Used for Other Purpose: Damages to the insured vehicle if used for any reason other than as specified in the plan. For instance, a private car is being used for commercial purposes.
      • Invalid Driving Licence: Damage to or by a person driving the vehicle without a valid driving licence.
      • War: Loss or damage due to war, mutiny or nuclear risk.
      • Drunk Driving: Damages to the insured car while driving after consumption of alcohol or drugs.
      • Outside Geographical Location: Losses to the insured car outside the specified geographical location.

      SBI Car Insurance Add-Ons
      Depreciation Reimbursement

      The zero dep cover by SBI car insurance ensures that a policyholder gets the full amount that he/she claims without

      any deduction for the depreciation value on parts of the car.

      Read more
      No Claim Bonus Protection

      When a policyholder raises a claim, his/her NCB gets nullified. To avoid this, an NCB Protect Cover can be beneficial.

      With this cover, the insurance company will sustain the No Claim Bonus of the policyholder even if a claim is registered during the policy tenure.

      Read more
      Return to Invoice

      Under the Return to Invoice cover, the insurance company will compensate

      the amount equal to the difference between the current invoice price and IDV of the car to the policyholder in case of a total loss or theft of the insured vehicle.

      Read more
      Key Replacement Cover

      Under the key replacement add-on cover, the company will reimburse the cost of replacing the keys of the insured car, provided the original keys are lost, stolen or broken during an unfortunate incident.

      The replacement under this plan is allowed only once during the plan tenure.

      Read more
      Loss of Personal Belongings

      With the loss of personal belongings add-on cover, the insurer y will reimburse the loss of personal belongings of the insured individual present in the insured car.

      The add-on cover defines personal belonging as clothes, jewellery, mobile, laptops, audio/videotapes, CDs, etc

      Read more
      Engine Guard Cover

      The engine guard add-on cover by SBI car insurance provides compensation for engine repair/replacement to the policyholder if the insured car's engine or its parts.

      Damages due to water ingression or leakage of oil are covered.

      Read more
      Roadside Assistance Cover

      Under the roadside assistance add-on cover, the insurance company provides for on-road repairs in case the insured car suddenly stops on the road due to a breakdown, flat tyre, dead battery, etc.

      Claim raised under this cover will not impact your NCB.

      Read more
      Consumables Cover

      A consumables cover compensates for the refill/replacement of consumable items used in the insured car, such as nuts, bolts, screws, AC gas, gearbox oil, etc.

      All these items are usually not covered under a standard car insurance plan.

      Read more
      Inconvenience Allowance

      Under this plan, the company will pay the policyholder a daily cash benefit for everyday commutes if the insured car is under repair.

      The daily cash benefit is provided only for the time taken for the repair of the damages caused due to the accident, subject to a maximum period of 10 days.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
      Car Insurance
      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
      Car Insurance
      Bundled Policy
      Car Insurance
      Roadside Assistance Cover
      Car Insurance
      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover

      How to Renew SBI Car Insurance?

      You can renew SBI car insurance online by simply visiting Policybazaar.com and following these steps:

      Step 1: Select the 'Car Insurance' tab from the homepage

      Step 2: Enter your car number and View Instant Quotes

      Step 3: Fill in the required details like name, email and mobile number

      Step 4: Select the previous policy expiry date and previous claim details

      Step 4: Find the SBI car insurance renewal plans from the given plans. You can also view policy details here.

      Step 5: Select the add-on covers and move forward with the premium payment

      Step 6: Select the NCB discount of your existing vehicle insurance policy

      Step 7: Fill out the given proposal form and confirm the rest of the details

      Step 8: Select Summary and Payment

      Step 9: Once the premium has been verified, make payment via your desired payment method.

      Step 10: Once the payment is complete, your SBI car insurance renewal online will be complete. You will receive your SBI General Insurance renewal policy papers at your registered email ID.

      How to File a Claim Under SBI Car Insurance?

      To file an insurance claim under SBI car insurance, you can follow the steps mentioned below:

      1

      Intimate the Insurer:

      Call the toll-free number of SBI General Insurance Company and intimate them of the incident for faster claim registration.

      2

      Inspection of the Car:

      Once your claim has been registered, the insurance company will send a surveyor to estimate the extent of damages sustained by the insured car.

      3

      Documents Submission:

      Submit the relevant documents asked by the surveyor for the claim to be processed. Make sure to keep all the required documents handy.

      4

      Claim Processed:

      The insured car will be sent to the network garage for repairs. Once the repairs are complete, the insurance company will settle the claim directly with the network garage. If it's a reimbursement claim and the repairs have not been done in an authorised network garage, the company will pay you the claim amount after you settle the bill.

      Documents Required to Raise a Claim Under SBI Car Insurance

      To raise a claim under SBI car insurance, you will be required to submit the following documents to the insurance company:

      • Copy of the Registration Certificate.
      • Copy of Driving License
      • Duly signed claim form
      • Copy of Police FIR
      • Repair bills
      • Estimates of repairs
      • Car insurance policy documents

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      FAQs

      • Q1: How can I reduce the SBI car insurance price?

        Ans: Follow these tips to reduce the premium of your SBI vehicle insurance policy:

        • Retain your NCB by not raising a claim
        • Get an ARAI-approved anti-theft device installed in your car
        • Opt for voluntary deductibles
        • Become a member of the Automobile Association of India
      • Q2: How can I check the policy status for SBI car insurance?

        Ans: For registered online users, log in to the insurer’s website with your policy details and check the status of your four-wheeler insurance policy. If you are a Policybazaar customer, you can check the status of your policy by logging into your account.

      • Q3: What is the company’s process to settle claims for SBI car insurance?

        Ans: You need to inform the insurance company on the toll-free number or you can send the e-claim on the company's mail ID. Upon successful completion of the documentation, the claim will be settled within 30 days.

      View more FAQ’s

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      Average Rating
      (Based on 48 Reviews)
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      Claim Assurance Program

      SBI Car Insurance Reviews & Ratings

      4.7 / 5 (Based on 48 Reviews)
      (Showing Newest 10 reviews)
      Subodh
      Kolkatta, March 07, 2024
      Little discount
      I am glad to get my Taigun car insured from Policybazaar. I really liked the way of explation the SBI third party insurance paln feature by Mr. Sachin customer support features. Thanks to an executive who explained each and everything in detail.
      Partap
      Mumbai, February 21, 2024
      Best service
      I have recently customized my own damage insurance from SBI for my Volkswagon Taigun. Policybazaar was giving me great facilities in add on cover such as zero depreciation. So I added more features and it came within my budget. I must say that Policybazaar always provides the best service to its customers.
      Sujan
      Pune, February 06, 2024
      Smooth service
      Policybazaar always ensures that each and every customer gets good service without any hassle. I took SBI comprehensive car insurance for my Breeza car from here and I am impressed with the smooth service provided by Policybazaar.
      Rachin
      Roorkee, February 03, 2024
      Good service
      I appreciate the efforts and amount of time given to me when I connected with Policybazaar team regarding SBI own damage car insurance. It has tailor- made car insurance plans which I got cuztomised for my last year bought Tata Altroz 2023 model as per my requirements.
      Alok
      Surat, January 30, 2024
      Affordable plan
      The SBI comprehensive car insurance plan from policybazaar offered me fascinating features within my pocket for my wagonr car. They also have towing facilities available which is free of cost and includes many more benefits under additonal covers at a minimal rate.
      Harinder
      Patiala, December 13, 2022
      Sbi Car Insurance
      At first, I was not sure about the online process. I spoke to my friend who is already a customer of Policybazaar, he told me that Policybazaar is the safest place that provides secure transaction methods to its customers and I can invest here. I took SBI general third party car insurance plan online for my Volkswagen Vento car.
      Punit
      Dwarka, December 15, 2021
      Supportive staff
      When I went to Policybazaar for my car plan, I found that the entire staff treats each of their customers generously. I bought sbi general car plan from here. The executive who was giving me complete information about the car policy helped me choose the best plan for me.
      Ekbal
      Raigarh, December 08, 2021
      Instant updates
      I chose Policybazaar for car insurance because of proper follow up and good customer service. After going through various car plans, I chose SBI General Car Insurance in which I got protection from unwanted expenses. satisfied with the overall service
      Mahender
      Baddi, November 26, 2021
      Budget friendly plan
      The follow up and services provided by the team of Policybazaar were very good and prompt. I took sbi general car insurance from here and i found everything hassle free as the team was very helpful. am executive helped me choose the right plan within my budget.
      Amol
      Vadodara, November 23, 2021
      Premium calculation
      After searching a lot, i came across the Policybazaar website. before purchasing the plan, i compared the plans and at last calculated the premium rate on the website. sbi general car insurance was according to my budget so i bought it.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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