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SBI General Car Insurance
- SBI General Own Damage Car Insurance
SBI General Standalone Own Damage Car Insurance
SBI standalone own damage car insurance offers monetary coverage to the insured car against damages arising from unpredictable events such as accidents, theft, fire, etc. This plan by SBI General Insurance can be purchased as a standalone cover to financially protect your car if you already have a third-party insurance.
Key Features of SBI General Standalone Own Damage Car Insurance
| Categories | Key Features |
| Own Damage Cover | Yes |
| Mandatory | No |
| No Claim Bonus | Upto 50% |
| Add-on Covers | Yes |
| Zero Depreciation cover | Yes |
| PA Cover | Upto Rs. 15 Lakhs |
Coverage Under Zuno Standalone Own Damage Car Insurance
- Damages to the insured car arising as a result of fire, explosion and self-ignition
- Losses caused due to theft of the insured car
- Damages sustained by the insured vehicle resulting from natural calamities like earthquakes, typhoons, hurricanes etc.
- Accidental damages arising when the vehicle was in-transit via rail, road, water or airways
- Damages to the insured car as a result of manmade or malicious activities are also covered under the OD coverage
- Collisions, road accidents, and damages arising from accidental means.
- Third party injury, death and property damage due to the insured car are not covered
- Claims cannot be raised for any consequential damage sustained by the insured car
- Damages sustained by the insured vehicle when the driver was not carrying a valid driving license
- Losses sustained by the insured car as a result of drunk driving are not included in policy coverage
- Accidental damages arising out of the geographical scope of the own damage car policy
Add-ons Under SBI General Standalone Own Damage Car Insurance
The coverage of an SBI own damage car insurance policy can be extended by purchasing additional covers along with the plan. Here are the add-ons offered under SBI car insurance cover:
- Depreciation Reimbursement Cover
- NCB Protect Cover
- Key Replacement Cover
- Engine Breakdown Assistance
- Roadside Assistance Cover
- Consumables Cover
- Return to Invoice Cover
How to Buy SBI General Standalone Own Damage Car Insurance Policy?
Buying SBI standalone own damage car insurance policy is simple when done online. Follow these steps to purchase SBI General own damage car insurance plan from Policybazaar Insurance Brokers Private Limited:
- Visit Policybazaar.com and select “Car Insurance” from the homepage
- Enter your car number in the given form and proceed forward
- Select your car’s RTO from the list
- Select your car’s model, variant, fuel type, and registration year
- Fill in the given proposal form and proceed with car insurance quotes
- From the given list of Own damage car insurance plans, select SBI OD cover. You can also view the car policy details from here itself
- Select additional covers from the “Add-ons and Accessories” dropdown
- Pay the final premium amount online
- After premium payment, your SBI own damage car policy documents will be mailed to you.
Documents Required to Raise SBI General Standalone Own Damage Claim
To raise an SBI own damage car insurance claim, you will be required to show certain documents to the insurance company. These documents include the following:
- Copy of car's registration certificate
- Duly signed claim form
- Copy of Police FIR
- Bills of repair
- Estimates of repair
- Car insurance policy papers
- KYC documents
FAQs
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Q1. Who can purchase an SBI own damage car insurance policy?
Ans: Any car owner who has a third party car insurance and wants to also cover his/her car from own damages but does not want to buy comprehensive car insurance can opt for this plan.
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Q2. How many times can I claim SBI own damage insurance?
Ans: There is no limit on raising an SBI own damage car insurance claim. However, a single claim can affect your NCB reward and will nullify it.
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Q3. Is own damage insurance mandatory in India?
Ans: No, an own damage car insurance policy is not compulsory as per Indian motor laws. However, it is recommended to purchase this plan as it covers your car from unforeseen damages.
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Q4. Can I renew my own damage car insurance online?
Ans: Yes, an own damage car insurance policy can be renewed online on Policybazaar.com. Simply enter your car number on the “Car Insurance” form and renew your car policy in 5 minutes.
Car Own Damage
Bajaj Allianz Standalone Own Damage Car Insurance
Cholamandalam Standalone Own Damage Car Insurance
Digit Standalone Own Damage Car Insurance
Future Generali Standalone Own Damage Car Insurance
HDFC Ergo Standalone Own Damage Car Insurance
ICICI Lombard Own Damage Car Insurance
IFFCO Tokio Standalone Own Damage Car Insurance
Liberty Standalone Own Damage 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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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##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.