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SBI General Third-Party Car Insurance

SBI General third-party car insurance policy provides cover for the third-party liabilities such as injury, death, permanent disability, etc.

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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.

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Third Party insurance is mandatory for car owners to get insured with a third-party car insurance policy as per the Motor Vehicle Act 1988. SBI General provides multi-year third-party insurance cover so that you do not have to hassle for the renewal of the policy every year.

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SBI General Third-Party Car Insurance vs Comprehensive Car Insurance

Features	Third-Party	Comprehensive
Coverage	Financial aid for loss or damage caused to the third-party such as injury, death, car damage, etc.	The comprehensive plan covers loss or damages caused to the insured as well as third-party. Provides cover for damages caused to insured car by natural calamity, theft, etc.
Cost	Lower premium because of limited coverage.	Higher premium cost than third-party because of better coverage.
Add-on covers	Add-ons not available	Pay extra amount for add-on cover
Personal Accident Cover	Provided by the insurer.	Provided by the insurer
Legal Requirement	Mandatory to purchase by the Motor Vehicle Act 1988	Car owner can either chose to purchase or not
Personal Accident Cover	Rs. 15 Lakh	Rs. 15 Lakh

What Is Covered under SBI General Third-Party Car Insurance?

SBI General third-party car insurance plan covers the third-party liability such as injury, death, permanent disability, car damage, etc. The ACT-only policy by SBI General provides better cover than the standard third-party cover. Also, when you are insured with the third-party car insurance cover then you will not have to pay for the loss or damage caused to the third-party out of pocket.

SBI General Third-party insurance protects you from the following:

The SBI General third-party car insurance provides cover for the injury, death, permanent disability, car damage, etc.
SBI General makes the reimbursement to the third-party on your behalf for the loss or damage caused.
SBI General third-party car insurance provides cover for personal accident. You can purchase it by paying an extra amount as it will provide cover of up to Rs. 15 lakh
The policy also provides cover for the permanent disability caused to the third-party.

The third-party damage or loss such as injury, permanent disability, death, etc. is compensated partially as well as fully but the amount is provided as per the decision of the court of law.

What Is Not Covered under SBI General Third-party car insurance?

The exclusions of the SBI General third-party car insurance are as follows:

SBI General third-party insurance does not provide cover for the loss or damage caused by the insured car to the third-party if the insured car’s driver is not carrying a valid license.
SBI General third-party car insurance does not provide cover for the loss or damage if the insured car’s driver is found driving under the influence of the alcohol or drugs
The SBI General third-party insurance does not provide cover for own damages.

FAQs

Q1: Does SBI General insurance Company provide third-party car insurance policy for one year?

Ans: No, the SBI General insurance company provide third-party car insurance policy for one year but it provides multi-year policy for 3 years so that you do not have to worry about renewing the policy every year.
Q2: Does the third-party car insurance of SBI General provide cover for own damages and personal accident?

Ans: No the third-party car insurance policy provide cover for the own damage but the personal accident cover is mandatory for the insurer to provide to the insured as per the law.
Q3: How much cover is provided in the personal accident?

Ans: There is a cover for Rs. 15 lakh in personal accident.