SBI General Comprehensive Car Insurance

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Having insurance acts as a financial protection cover for the person who avails it. The Motor Vehicles Act mandates you to purchase third-party insurance that provides insurance cover to only third party. Most importantly, you can purchase comprehensive insurance to secure yourself financially for extra protection. SBI General comprehensive four-wheeler insurance policy extends its protective cover to the parties that are involved in the mishap. This cover protects you from the damages incurred to you or to the third party, involuntary. It also protects the policyholder from any legal liability claimed by the third party.

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SBI General Comprehensive Car Insurance Vs. Third Party Car Insurance

Two kinds of four-wheeler insurance are the most common, comprehensive and third-party insurance. Following is the tabular distinction between the two types: 

SBI General Comprehensive Car InsuranceSBI General Third Party Car Insurance
SBI General comprehensive car insurance protects policyholders as well as a third-party in the accident. SBI General third-party car insurance is exclusive to the third-party liabilities. 
The overall rate of the policy premium is higher, as the benefits that you avail from it is more. The rate of premium is lower as the protection is for the third-party only. 
It allows to add add-on covers along with the policy.You cannot add-add-ons along with third-party insurance.
Legally it is not mandatory to have comprehensive insurance.Law mandates to have a third-party insurance.

How to Buy SBI General Comprehensive Car Insurance?

You need to purchase vehicle insurance after 14 days of the purchase of the new vehicle. You can get SBI General comprehensive car insurance online easily through online or offline mode. Following are the steps that will help you in availing insurance: 

  1. Visit the official website of SBI General.
  2. Navigate through the website for motor vehicle insurance.
  3. Provide all the essential information such as the make of the vehicle, model, variant, and vehicle registration number.
  4. Mention the name of the city RTO where the vehicle is registered.
  5. Choose SBI General comprehensive car insurance.
  6. You will receive the tentative quote from the insurer.
  7. You can add in add-on cover as per your suitability and settle IDV.
  8. Mention additional required information, such as the CNG status of your vehicle.
  9. Verify all the details and click on the submit.
  10. You will be redirected to the page where you will get the final premium amount.
  11. Make the payment either via net banking or through credit or debit card.
  12. After the successful payment transaction, you will receive policy papers via registered email ID.

What All is Covered Under SBI General Comprehensive Car Insurance Policy?

Following are the benefits you avail when you purchase the SBI General comprehensive car insurance policy: 

  • Natural calamities: 

If your vehicle gets damaged in any natural calamity, you get all the financial assistance required to get it repaired from the SBI General comprehensive car insurance policy.

  • Vandalism:

The base insurance policy covers acts of vandalism such as arson, riots, or any other kind of man-made disaster.

  • Theft:

If your vehicle gets stolen or gets damaged in stealing, you are eligible to claim the insurance. 

  • Third-party liability: 

SBI General comprehensive car insurance policy protects you financially against the legal liabilities of third party. 

  • In transit damages: 

If your vehicle gets damaged while in transit, then you can claim insurance. It provides cover from all types of transit damages, air, train, and water. 

What All is not Included Under SBI General Comprehensive Car Insurance Policy?

The following things are not included in the SBI General comprehensive car insurance: 

  • Depreciation:

Eventual damages that come with the usage of the car over the years are not covered in the base policy of the SBI General comprehensive car insurance policy. 

  • Consequential losses:

After the accident, if your vehicle suffers subsequent damage/breakdown, such losses are not covered in the policy. 

  • Mechanical/Electrical breakdown:

Damages are caused by a mechanical or electrical failure in the vehicle are not covered. 

  • Commercial usage:

If your private vehicle incurs damage while commercial use of it, then those damages are not covered. 

  • Nuclear war:

Any loss or damage as a result or as an extension of war is not covered. 

  • Invalid driving licence:

Damages are incurred while driving without a proper licence/policy papers. 

  • Outside geographical zone:

Damages or injuries that are suffered by vehicle or you outside the geographical zone. 

  • Wear and tear of the vehicle:

Damages occur to your vehicle as a result of the aging of the vehicle. 

  • Drunk driving and/or intoxication:

 If the driver/owner of the vehicle is driving the vehicle under the influence of  alcohol or drugs, damages to the insured vehicle are covered.

SBI General Comprehensive Car Insurance Benefits

  • You can purchase additional add-ons to customize your SBI General comprehensive car insurance policy.
  • You get financial cover for the CNG, LPG, and Bio Fuel kit. 
  • If you do not claim insurance during the policy tenure, you are eligible to get the no claim bonus. 
  • Fast and easy claim settlement process
  • Wide network of cashless garages
  • Friendly and supportive customer care

SBI General Comprehensive Car Insurance Review

All the reviews and testimonials of SBI General comprehensive car insurance are a proof that you can rely on the company. SBI is a big name in the market and has a huge satisfied customers base. Thus, availing comprehensive car insurance policy from the company is an ideal choice. The policy comes with plenty of benefits and is easy to avail, and you get what you sign up for. 

SBI General Comprehensive Car Insurance FAQs

  • 1. Can I check the status of my SBI General comprehensive car insurance policy online?

    Yes, you can check the status of your SBI General comprehensive car insurance by visiting the insurer’s website. 

  • 2. Is personal accident cover part of all SBI General comprehensive four-wheeler insurance base policies?

    No, you have to buy a PA cover separately as it is not included in your base policy. Buying a PA cover is mandatory for every vehicle owner. 

  • 3. Do I have to pay an additional amount to avail of SBI General comprehensive four-wheeler insurance add-ons?

    Yes, every add-on cover adds to your premium amount. 

  • 4. How many add-on covers do I get with my SBI General comprehensive car insurance?

    You can purchase around 14 add-on covers along with your SBI General comprehensive car insurance policy. 

  • 5. Can I cancel my SBI General comprehensive car insurance policy during the tenure of the policy?

    Yes, you can cancel your SBI General comprehensive car insurance policy during the tenure of your policy. You will get unused premiums after the verification minus the claim amount if you have made any. 

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