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- SBI Comprehensive Car Insurance
SBI Comprehensive Car Insurance
As more and more vehicles are coming on the road every day, chances of accidents are also increasing, and that is not all. Natural disasters like fire, earthquakes, storms can also damage the car. To protect car owners from such incidents, car owners can purchase SBI comprehensive car insurance policy. This policy by SBI General Insurance Company provides financial protection against accidents, thefts, natural calamities, and many other uncertain incidents.
Benefits of SBI Comprehensive Car Insurance
Here is the list of all the significant advantages that one will enjoy after purchasing the car insurance by SBI General Insurance Company
- Accidental Coverage: By purchasing a SBI comprehensive car insurance policy, you can cover your four-wheeler against road accidents and collisions. The insurer will compensate for any damage arising out of accidents.
- TP Cover: With a SBI comprehensive car insurance policy, you also get coverage against third party liabilities caused due to your car. The policy provides compensation for TP death, disability and property damages.
- Additional Covers: To get a broader coverage under your car policy, you can also purchase additional covers at a nominal premium at the time of purchase or car insurance renewal.
- PA Cover: Death or disability of the owner/driver of the insured car can also be covered with the purchase of a Personal Accident Cover along with your SBI comprehensive plan.
Coverage Under SBI Comprehensive Car Insurance Policy
Below we have mentioned the inclusions and exclusions of a SBI comprehensive insurance policy.
Damages that are covered under the SBI comprehensive car insurance policy are:
- Damages to third party property, death and disability of the third party involved in an accident
- Losses to the insured car due to theft, or burglary
- Losses arising out of fire, explosion or self ignition
- Damages to the insured car due to cyclones, typhoons, floods or any other natural disaster
- Manmade acts like strikes, malicious acts, causing damages to the insured car
- Claims can also be raised for damages sustained by the insured car while it was in transit via road, rail, water or air.
- Damages to the insured car due to road accidents, collisions, etc.
Contingencies that are not covered under a SBI comprehensive car insurance plan are:
- Claims cannot be raised for damages arising as a result of drunk driving
- If the insured car sustained damages due to civil or nuclear war
- Depreciation or wear and tear borne by the insured four-wheeler
- Damages to the insured car when the driver was driving without a valid DL
- Loss arising as a result of contractual liability
- Electrical or mechanical failure of the insured four-wheeler
Add-ons Under SBI Comprehensive Car Insurance
Additional covers offered under a SBI comprehensive four-wheeler insurance plan are as follows:
- Depreciation Reimbursement Cover
- NCB Protect
- Roadside Assistance Cover
- Cover for Consumables
- Cover for Key Replacement
- Return to Invoice
- Loss of Personal Belongings
How to Buy SBI Comprehensive Car Insurance Policy?
Follow these steps to easily purchase a SBI comprehensive car insurance policy online:
- Visit the official website of Policybazaar Insurance Brokers Private Limited
- Click on “Car Insurance” from the homepage
- Enter your four-wheeler registration number in the given form
- Select your vehicle's RTO, its make, model and other details
- From the given list of car insurance quotes, select SBI comprehensive plan
- Include addons as well and make final payment
- Once the payment is done, your SBI comprehensive insurance policy document will be sent to your email address.
Documents Required to Raise a SBI Comprehensive Car Insurance Claim
Following documents are required to make a claim under SBI comprehensive car insurance policy:
- Duly filled and signed claim form.
- Copy of Registration Book
- Copy of Driving License of the person driving the vehicle
- Police Panchnama/FIR
- Estimate for repairs
- Repair Bills/Invoices
- Payment receipts after the jobs is completed
SBI Comprehensive Car Insurance FAQs
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Q1. Are there any add-ons available with SBI comprehensive car insurance?
Ans: Yes, one can opt for additional add-ons, covering depreciation reimbursement, NCB protection, engine guard, cover for consumables, tire and rim guard, etc. -
Q2. Will I get a No Claim Bonus?
Ans: Yes, you can get up to a 50% discount on your premiums if you have made no claims in the previous year. No Claim Bonus is allowed only if the policy is renewed within 90 days of the expiry. -
Q3. What is the meaning of EMI protector under SBI Comprehensive Car Insurance?
Ans: If your car is under repair for more than 21 days, then the insurer will pay EMI subject to a maximum of 2 months or sum insured, whichever is less. Only one incident will be covered under EMI protector in a policy period.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
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Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.