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1800 102 1111
Our Agents & Intermediaries
1800 22 1111
HEALTHLINE NUMBERS FOR OUR HEALTH INSURANCE CUSTOMERS & PA
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1800 210 3366
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Have Queries About Your Current Product? Please Write Us An Email & We'll Sort it Out.
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- Quick Links
Main
Ready To Get Started?
Reach Out & Give Us A Call. We're Here To Help. Available 24/7
Our Customers
1800 102 1111
Our Agents & Intermediaries
1800 22 1111
HEALTHLINE NUMBERS FOR OUR HEALTH INSURANCE CUSTOMERS & PA
Available 24/7
1800 210 3366
1800 210 6366
Need Support?
Have Queries About Your Current Product? Please Write Us An Email & We'll Sort it Out.
customer.care@sbigeneral.in
Secure Your Road Trip
With A Comprehensive
Car Insurance Policy
What is Comprehensive Car Insurance Policy?
With the Motor Vehicle (Ammendment) Act, 2019, it has become even more essential to know different aspects that concern you as a vehicle owner. Comprehensive Car insurance is a major aspect that you should be aware of. There are many first-time car owners or people who want to buy a second-hand car who may wonder why it is necessary to protect their vehicle with a comprehensive motor insurance. The reason is simple, a comprehensive car insurance plan insures your vehicle against third-party liabilities and damages to your vehicle, thereby making your time on roads stress-free.
Inclusions and Exclusions in Comprehensive Car Insurance
Inclusions
What is Covered in Comprehensive Car Insurance Policy?
SBI General’s Private Car Insurance Policy - Package offers coverage in the following scenarios:
- Damage induced because of man-made calamities such as fire, theft, burglary, terrorist activity, or any malicious act. Damage caused to the car because of natural calamities such as flood, earthquake, fire, cyclone, landslide, hailstorm, rockslide, etc.
- Damage to the car because of internal elements like fire, self-ignition.
- Damage prompted at some stage in transit through rail, road, airways, waterways, elevators, or lift.
- Coverage in case of loss or any harm to the third-party. It covers the loss of belongings, any physical damage, or loss of life of the third-party.
- The Comprehensive Car Insurance gives personal accident cover of Rs. 15 lakh for the owner of the car while driving, subject to that the owner has a legitimate valid license.
Exclusions
What is Not Covered in the Comprehensive Car Insurance?
Some of the common exclusions of the Private Car Insurance Policy - Package by SBI General are mentioned below:
- Normal wear and tear of the car because of ageing.
- Consequential loss or depreciation Loss or harm to car accessories.
- Electrical or mechanical breakdown.
- Use of vehicle aside from the desired purpose.
- Driving the insured car without a valid driving license.
- Loss or harm because of nuclear assault or war.
- Damage or loss at the same time as using the car under the effect of alcohol and drugs.
Inclusions
Exclusions
Inclusions
What is Covered in Comprehensive Car Insurance Policy?
SBI General’s Private Car Insurance Policy - Package offers coverage in the following scenarios:
- Damage induced because of man-made calamities such as fire, theft, burglary, terrorist activity, or any malicious act. Damage caused to the car because of natural calamities such as flood, earthquake, fire, cyclone, landslide, hailstorm, rockslide, etc.
- Damage to the car because of internal elements like fire, self-ignition.
- Damage prompted at some stage in transit through rail, road, airways, waterways, elevators, or lift.
- Coverage in case of loss or any harm to the third-party. It covers the loss of belongings, any physical damage, or loss of life of the third-party.
- The Comprehensive Car Insurance gives personal accident cover of Rs. 15 lakh for the owner of the car while driving, subject to that the owner has a legitimate valid license.
Exclusions
What is Not Covered in the Comprehensive Car Insurance?
Some of the common exclusions of the Private Car Insurance Policy - Package by SBI General are mentioned below:
- Normal wear and tear of the car because of ageing.
- Consequential loss or depreciation Loss or harm to car accessories.
- Electrical or mechanical breakdown.
- Use of vehicle aside from the desired purpose.
- Driving the insured car without a valid driving license.
- Loss or harm because of nuclear assault or war.
- Damage or loss at the same time as using the car under the effect of alcohol and drugs.
Why Should You Buy a Comprehensive Car Insurance Policy?
SBI General Insurance is one of the finest insurance companies in the country. With SBI General, you can easily get a Private Car Insurance Policy - Package from the comfort of your home. This policy is basically a comprehensive car insurance plan that provides an exhaustive coverage and protects you and your vehicle in case of any mishaps while on the roads. Mentioned below are some of the major benefits of choosing comprehensive car insurance by SBI General:
Add-Ons
SBI General offers a variety of add-on covers that may be offered at a nominal cost. These add-on covers can help make the coverage even more exhaustive, thereby providing complete security.
Customer Support & Claim Settlement
SBI General Insurance has a sturdy customer support group that focuses on resolving all issues/queries within the shortest turnaround time. The insurer also offers cashless claim settlement facility through its wide network of garages throughout India.What are the Features of the Comprehensive Car Insurance?
Some of the features of the Private Car Insurance Policy - Package by SBI General Insurance are mentioned below:
Third-Party Insurance
This type of car Insurance also offers third-party liability coverage and covers the financial loss arising out of harm by the insured vehicle to a third-party property, or physical harm or loss of life of a third-party person.
What are the Comprehensive Car Insurance Add-Ons?
Some of the add-ons that you can get upon payment of extra premium are mentioned below:
Depreciation Reimbursement
The insurance company, in the event of a claim, will only compensate you after deducting the cost of depreciation attached to different car parts. This would result in lesser compensation by the insurance company and hence higher burden on you. By opting for this cover you are protected against the depreciation cost which is reimbursed in the claim assessment.
Protection of No Claim Bonus
Protection of No Claim Bonus Cover saves you from waiver of the No Claim Bonus even when you have made one single claim. Thus, this add-on helps you enjoy the discount on premium while renewing your car insurance policy.
Cover for Key Replacement
This add-on cover provides protection against for loss or robbery of the vehicle keys. With the key replacement add-on, you can get reimbursement for cost of replacing vehicle keys up to a maximum of Rs. 65,000 one time during the policy period.
How to Buy SBI General’s Private Car Insurance Policy - Package?
1Step
Buying or renewing a Private Car Insurance Policy - Package from SBI General Insurance is a very smooth and convenient process.
2Step
This is because the entire process can be carried out online from the comfort of your home. All you need to do is visit our official website - https://www.sbigeneral.in/portal/.
3Step
Go to the motor insurance section and the choose the Private Car Insurance Policy - Package. Click on “Get Quote” and follow the steps as directed on the website to complete the purchase.
FAQs
Yes, the coverage policy can be transferred to the brand-new owner through the right documentation with the aid of the insurer.
The premium of your car insurance policy will depend upon the type of coverage you wish to avail and the add-ons you opt for.
Private Car Insurance Policy - Package (UIN: IRDAN144RP0005V03201112)
Protection of NCB (UIN: IRDAN144RP0005V03201112/A0006V01202122)
Depreciation Reimbursement – (UIN: IRDAN144RP0005V03201112/A0007V02201314)
Cover for Key Replacement – (UIN: IRDAN144RP0005V03201112/A0007V01202122)
Disclaimer: The above information is indicative in nature, for more details on complete coverage and terms and conditions, please contact our nearest office and also read the policy document and sales brochure carefully before concluding a sale.
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