Q1. Are there any add-ons available with SBI comprehensive car insurance?

Ans: Yes, one can opt for additional add-ons, covering depreciation reimbursement, NCB protection, engine guard, cover for consumables, tire and rim guard, etc.

Q2. Will I get a No Claim Bonus?

Ans: Yes, you can get up to a 50% discount on your premiums if you have made no claims in the previous year. No Claim Bonus is allowed only if the policy is renewed within 90 days of the expiry.

Q3. What is the meaning of EMI protector under SBI Comprehensive Car Insurance?

Ans: If your car is under repair for more than 21 days, then the insurer will pay EMI subject to a maximum of 2 months or sum insured, whichever is less. Only one incident will be covered under EMI protector in a policy period.

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SBI Comprehensive Car Insurance

As more and more vehicles are coming on the road every day, chances of accidents are also increasing, and that is not all. Natural disasters like fire, earthquakes, storms can also damage the car. To protect car owners from such incidents, car owners can purchase SBI comprehensive car insurance policy. This policy by SBI General Insurance Company provides financial protection against accidents, thefts, natural calamities, and many other uncertain incidents.

Benefits of SBI Comprehensive Car Insurance

Here is the list of all the significant advantages that one will enjoy after purchasing the car insurance by SBI General Insurance Company

Accidental Coverage: By purchasing a SBI comprehensive car insurance policy, you can cover your four-wheeler against road accidents and collisions. The insurer will compensate for any damage arising out of accidents.
TP Cover: With a SBI comprehensive car insurance policy, you also get coverage against third party liabilities caused due to your car. The policy provides compensation for TP death, disability and property damages.
Additional Covers: To get a broader coverage under your car policy, you can also purchase additional covers at a nominal premium at the time of purchase or car insurance renewal.
PA Cover: Death or disability of the owner/driver of the insured car can also be covered with the purchase of a Compulsory Personal Accident Cover along with your SBI comprehensive plan.

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Coverage Under SBI Comprehensive Car Insurance Policy

Below we have mentioned the inclusions and exclusions of a SBI comprehensive insurance policy.

What is Covered?
What is not Covered?

Damages that are covered under the SBI comprehensive car insurance policy are:

Damages to third party property, death and disability of the third party involved in an accident
Losses to the insured car due to theft, or burglary
Losses arising out of fire, explosion or self ignition
Damages to the insured car due to cyclones, typhoons, floods or any other natural disaster
Manmade acts like strikes, malicious acts, causing damages to the insured car
Claims can also be raised for damages sustained by the insured car while it was in transit via road, rail, water or air.
Damages to the insured car due to road accidents, collisions, etc.

Contingencies that are not covered under a SBI comprehensive car insurance plan are:

Claims cannot be raised for damages arising as a result of drunk driving
If the insured car sustained damages due to civil or nuclear war
Depreciation or wear and tear borne by the insured four-wheeler
Damages to the insured car when the driver was driving without a valid DL
Loss arising as a result of contractual liability
Electrical or mechanical failure of the insured four-wheeler

Add-ons Under SBI Comprehensive Car Insurance

Additional covers offered under a SBI comprehensive four-wheeler insurance plan are as follows:

Depreciation Reimbursement Cover
NCB Protect
Roadside Assistance Cover
Cover for Consumables
Cover for Key Replacement
Return to Invoice
Loss of Personal Belongings

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How to Buy SBI Comprehensive Car Insurance Policy?

Follow these steps to easily purchase a SBI comprehensive car insurance policy online:

Visit the official website of Policybazaar Insurance Brokers Private Limited
Click on “Car Insurance” from the homepage
Enter your four-wheeler registration number in the given form
Select your vehicle's RTO, its make, model and other details
From the given list of car insurance quotes, select SBI comprehensive plan
Include addons as well and make final payment
Once the payment is done, your SBI comprehensive insurance policy document will be sent to your email address.

Documents Required to Raise a SBI Comprehensive Car Insurance Claim

Following documents are required to make a claim under SBI comprehensive car insurance policy:

Duly filled and signed claim form.
Copy of Registration Book
Copy of Driving License of the person driving the vehicle
Police Panchnama/FIR
Estimate for repairs
Repair Bills/Invoices
Payment receipts after the jobs is completed

SBI Comprehensive Car Insurance FAQs

Q1. Are there any add-ons available with SBI comprehensive car insurance?

Ans: Yes, one can opt for additional add-ons, covering depreciation reimbursement, NCB protection, engine guard, cover for consumables, tire and rim guard, etc.
Q2. Will I get a No Claim Bonus?

Ans: Yes, you can get up to a 50% discount on your premiums if you have made no claims in the previous year. No Claim Bonus is allowed only if the policy is renewed within 90 days of the expiry.
Q3. What is the meaning of EMI protector under SBI Comprehensive Car Insurance?

Ans: If your car is under repair for more than 21 days, then the insurer will pay EMI subject to a maximum of 2 months or sum insured, whichever is less. Only one incident will be covered under EMI protector in a policy period.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in