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SBI General Private Car Insurance Policy - Package provides protection for eligible accidental loss or damage to the insured car alongside third-party liability cover. The policy wording describes protection for covered events including accidental external damage, fire, theft, riots, malicious acts and specified natural calamities. Third-party liability applies according to the policy and applicable law. Owner-driver personal accident cover is subject to the applicable terms and eligibility requirements. Optional add-ons may enhance protection for specific risks at an additional premium. The final premium depends on vehicle details, insured declared value, location, selected covers, applicable discounts and underwriting.
Protection against eligible accidental damage, theft, fire, natural calamities and third-party liabilities
This package policy is intended for private car owners who want both own-damage and third-party protection in one policy. Before purchase, compare the insured declared value, compulsory deductible, exclusions, depreciation deductions, claim conditions and any add-ons selected. Optional benefits such as depreciation reimbursement, return to invoice, engine guard and roadside assistance should be included only when offered and selected for the particular vehicle. The official website advertises premiums starting at ₹2,094, but this is indicative rather than a guaranteed price for every car. Obtain a vehicle-specific quote before presenting a final premium to customers.
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
Eligible accidental external damage to the insured car may be covered under the policy.
Deductibles, depreciation and policy exclusions apply.
Covered loss or damage resulting from eligible fire-related events, burglary or theft.
Claim documentation and policy conditions apply.
Specified events such as flood, storm, cyclone and earthquake-related damage may be covered.
Only events covered by the applicable wording qualify.
Eligible legal liability for third-party injury, death or property damage is covered subject to applicable terms.
Statutory requirements and policy limits apply.
Personal accident protection may apply to the eligible owner-driver according to policy requirements.
Eligibility and applicable exclusions must be checked.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
SBI General plans and claim process
It provides eligible own-damage protection and third-party liability cover, subject to policy wording and exclusions.
Eligible loss or damage due to covered theft and fire-related events may be covered under the policy.
Specified events such as floods, storms and earthquakes may be covered, subject to the policy terms.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official SBI General website before purchasing.
Official Website
sbigeneral.in
Visit the official SBI General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The official website advertises a starting premium of ₹2,094. The actual quote depends on vehicle details and selected coverage.
Optional add-ons may be available for additional premium. Confirm availability for your car and selected policy.
Factors include car make and model, age, location, insured declared value, selected covers, deductibles and applicable discounts.
At least the legally required third-party motor liability cover is mandatory for vehicles used on public roads in India.