SBI General Third-Party Car Insurance

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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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      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.

      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.

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