Why choose a long-term third-party policy?

It provides liability protection over the stated policy period and can reduce the need for annual third-party renewal.

How is the premium calculated?

The premium depends on the vehicle category and applicable third-party rates. Obtain a current insurer quote.

Can I buy own-damage insurance separately?

Yes, eligible own-damage cover can be arranged separately while maintaining valid third-party liability insurance.

Is third-party car insurance mandatory?

At least the legally required third-party motor liability cover must be maintained for a vehicle used on public roads in India.

SBI General Long-Term Third-Party Car Insurance

SBI General Motor Act Only - Private Car (Long Term) Overview

SBI General Motor Act Only - Private Car (Long Term) is designed to provide third-party motor liability protection for an eligible private car over the policy period specified in the issued contract. It addresses covered legal liability arising from accidental bodily injury or death of a third party and damage to third-party property, subject to applicable law and policy terms. This is a liability-only product and does not cover accidental damage, theft or fire damage to the insured car itself. Owners who want protection for their own vehicle need a suitable own-damage policy in addition to this cover. The applicable premium depends on the vehicle category, statutory third-party rates and policy conditions. Confirm the available policy tenure and current quote with SBI General before purchase.

Long-term third-party liability cover for eligible private cars

Expert Review of SBI General Motor Act Only - Private Car (Long Term)

A long-term third-party policy can help maintain liability insurance over the stated policy period without annual third-party renewal. However, it does not protect the owner against repair or replacement costs for damage to their own car. Check the policy start and end dates, covered vehicle details, liability limits and any applicable personal accident requirements. If own-damage protection is needed, arrange an appropriate own-damage policy separately. Do not assume that personal accident cover or optional benefits are included unless the issued policy confirms them. The premium should be taken from a current quote, not estimated from a different product.

Pros

Provides third-party liability protection over the stated long-term policy period.
Helps maintain the legally required third-party motor insurance cover.
Can reduce the need for annual renewal of third-party cover during the policy term.

Cons

Does not cover accidental damage or theft of the insured car.
Own-damage protection must be arranged separately if required.

About SBI General (Insurer Profile)

SBI General

Key Insights

Founded

2009

SBI General was established 17 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

94.5% CSR, calculated as a 3-year average

SBI General settles 94.5% of all claims it receives.

Contact Details

1800 102 1111

Headquarters: 9th Floor, A & B Wing, Fulcrum Building, Sahar Road, Andheri (East), Mumbai – 400 099, Maharashtra, India

SBI General Motor Act Only - Private Car (Long Term) Features and Benefits

Third-Party Bodily Injury

Provides cover for eligible legal liability arising from accidental bodily injury to a third party.

Subject to applicable law and policy conditions.

Third-Party Death Liability

Covers eligible legal liability arising from accidental death of a third party involving the insured vehicle.

Claim assessment follows applicable law and policy terms.

Third-Party Property Damage

Provides liability cover for eligible accidental damage to third-party property.

Applicable statutory limits and policy conditions apply.

Long-Term Liability Protection

Maintains third-party liability cover throughout the policy period shown in the issued policy.

Confirm the actual policy tenure before purchase.

Legal Compliance

Helps meet the requirement to maintain third-party motor insurance for use on public roads.

The policy must be valid and applicable to the insured vehicle.

Separate Own-Damage Requirement

The owner can arrange eligible own-damage cover separately if protection for their own car is needed.

Own-damage cover is not included in this liability-only product.

What SBI General Motor Act Only - Private Car (Long Term) Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Damage to the insured car itself is not covered by this liability-only policy.
Own-vehicle fire, theft and accidental damage are outside the scope of third-party-only cover.
Claims outside the policy scope or arising under applicable exclusions may not be payable.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

SBI General Motor Act Only - Private Car (Long Term) FAQs

What is Motor Act Only Private Car Insurance?

It is third-party liability insurance for an eligible private car. It does not cover damage to the insured car itself.

Does this policy cover damage to my own car?

No. Own-damage cover is not included and must be arranged separately if needed.

What third-party liabilities are covered?

Eligible legal liability for third-party bodily injury, death and property damage is covered, subject to applicable law and policy terms.