SBI General Standalone Own Damage Car Insurance

SBI standalone own damage car insurance offers monetary coverage to the insured car against damages arising from unpredictable events such as accidents, theft, fire, etc. This plan by SBI General Insurance can be purchased as a standalone cover to financially protect your car if you already have a third-party insurance.

16000 Cashless garages
Plan starting @ ₹2094^#
100% Claim settlement ratio

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year ^#

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Key Features of SBI General Standalone Own Damage Car Insurance

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Upto 50%
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

Coverage Under Zuno Standalone Own Damage Car Insurance

Inclusions
Exclusions

Damages to the insured car arising as a result of fire, explosion and self-ignition
Losses caused due to theft of the insured car
Damages sustained by the insured vehicle resulting from natural calamities like earthquakes, typhoons, hurricanes etc.
Accidental damages arising when the vehicle was in-transit via rail, road, water or airways
Damages to the insured car as a result of manmade or malicious activities are also covered under the OD coverage
Collisions, road accidents, and damages arising from accidental means.

Third party injury, death and property damage due to the insured car are not covered
Claims cannot be raised for any consequential damage sustained by the insured car
Damages sustained by the insured vehicle when the driver was not carrying a valid driving license
Losses sustained by the insured car as a result of drunk driving are not included in policy coverage
Accidental damages arising out of the geographical scope of the own damage car policy

Add-ons Under SBI General Standalone Own Damage Car Insurance

The coverage of an SBI own damage car insurance policy can be extended by purchasing additional covers along with the plan. Here are the add-ons offered under SBI car insurance cover:

Depreciation Reimbursement Cover
NCB Protect Cover
Key Replacement Cover
Engine Breakdown Assistance
Roadside Assistance Cover
Consumables Cover
Return to Invoice Cover

How to Buy SBI General Standalone Own Damage Car Insurance Policy?

Buying SBI standalone own damage car insurance policy is simple when done online. Follow these steps to purchase SBI General own damage car insurance plan from Policybazaar Insurance Brokers Private Limited:

Visit Policybazaar.com and select “Car Insurance” from the homepage
Enter your car number in the given form and proceed forward
Select your car’s RTO from the list
Select your car’s model, variant, fuel type, and registration year
Fill in the given proposal form and proceed with car insurance quotes
From the given list of Own damage car insurance plans, select SBI OD cover. You can also view the car policy details from here itself
Select additional covers from the “Add-ons and Accessories” dropdown
Pay the final premium amount online
After premium payment, your SBI own damage car policy documents will be mailed to you.

Documents Required to Raise SBI General Standalone Own Damage Claim

To raise an SBI own damage car insurance claim, you will be required to show certain documents to the insurance company. These documents include the following:

Copy of car's registration certificate
Duly signed claim form
Copy of Police FIR
Bills of repair
Estimates of repair
Car insurance policy papers
KYC documents

FAQs

Q1. Who can purchase an SBI own damage car insurance policy?

Ans: Any car owner who has a third party car insurance and wants to also cover his/her car from own damages but does not want to buy comprehensive car insurance can opt for this plan.
Q2. How many times can I claim SBI own damage insurance?

Ans: There is no limit on raising an SBI own damage car insurance claim. However, a single claim can affect your NCB reward and will nullify it.
Q3. Is own damage insurance mandatory in India?

Ans: No, an own damage car insurance policy is not compulsory as per Indian motor laws. However, it is recommended to purchase this plan as it covers your car from unforeseen damages.
Q4. Can I renew my own damage car insurance online?

Ans: Yes, an own damage car insurance policy can be renewed online on Policybazaar.com. Simply enter your car number on the “Car Insurance” form and renew your car policy in 5 minutes.