SBI General Car Insurance

SBI General Insurance, established in 2009 and commencing operations in 2010, is one of India’s leading general insurance companies backed by the legacy and strength of the State Bank of India. The company has handled over 24 cr claims settlement across all segments, reflecting its commitment to supporting customers when it matters most.

To date, over 14 crore Indians trust SBI General insurance company for reliable insurance protection across motor, health, travel, and more. Over the years, it has earned significant industry recognition, including accolades such as Domestic General Insurer of the Year at the Insurance Asia Awards 2025 and General Insurance Company of the Year at the India Insurance Summit & Awards 2024.

What Is SBI General Car Insurance?

SBI General Car Insurance is a motor insurance policy offered by SBI General Insurance that provides financial protection to car owners against losses arising from accidents, theft, fire, natural disasters, and third-party liabilities. Its primary purpose is to help vehicle owners comply with the Motor Vehicles Act, 1988, which mandates at least third-party car insurance in India. Beyond legal compliance, SBI General Car Insurance safeguards policyholders from unexpected repair costs, legal expenses, and financial strain caused by damage to the insured car or injury to others, ensuring peace of mind and responsible vehicle ownership.

Key Features of SBI General Car Insurance

*Price for the cheapest basic third-party car insurance.

Coverage Offered Under SBI General Car Insurance

Here are the car insurance plans offered by SBI General Car Insurance:

1. SBI Act-Only Liability Cover (Third-Party Car Insurance)

This is SBI General’s legally mandatory Third-Party Car Insurance Policy designed to meet the minimum insurance requirements under the Motor Vehicles Act in India. It protects you from legal and financial liabilities if your car causes injury, death, or property damage to another person.

• Meets compulsory legal obligation for all car owners.

• Covers third-party bodily injury, death and third-party property damage arising from an accident.

• Available with optional riders like personal accident cover for owner/driver and driver/employee liability.

2. SBI Comprehensive Shield Policy (Comprehensive Car Insurance)

This is SBI General’s Comprehensive Car Insurance Policy, which combines third-party liability cover with protection for own vehicle damage due to accidents, theft, fire, natural calamities, and more, giving broader protection than basic liability insurance.

• Covers both third-party liabilities and repair or replacement costs for your own car.

• Offers personal accident cover for the owner-driver and passengers as standard components.

• Can be enhanced with SBI General’s range of add-ons (e.g., zero depreciation, engine protection, return to invoice).

3. SBI Standalone Own Damage Cover

This is SBI General’s Own Damage Car Insurance Policy, focused solely on protecting your vehicle against damage or loss from accidents, theft, fire and natural or man-made disasters, without including third-party liability.

• Provides financial security for your car if it is damaged accidentally or stolen.

• Can be bought as a standalone policy or paired with third-party insurance for fuller protection.

• Flexible coverage with optional enhancements.

4. SBI Pay As You Drive Flexi Policy (Usage-Based Car Insurance)

This is SBI General’s modern Pay As You Drive (PAYD) Car Insurance, where your premium is adjusted based on how much you actually use your vehicle.

• Premiums lower for low-usage drivers, making it cost-efficient for occasional drivers.

• Uses telematics and mileage tracking to tailor pricing.

• Offers the same core protections as comprehensive car insurance, with savings tied to real usage.

What Is Not Covered Under SBI General Car Insurance?

SBI General Car Insurance has specific exclusions where claims are not payable, as clearly outlined in its policy wordings, to prevent misuse and ensure fair coverage. Exclusions under SBI General Car Insurance include:

• Damage or loss caused while driving without a valid driving licence or under the influence of alcohol or drugs.

• Normal wear and tear, ageing, mechanical or electrical breakdowns not resulting from an insured accident.

• Consequential losses such as engine damage due to oil leakage or water ingress unless covered under an optional engine protection add-on.

• Loss or damage occurring outside the geographical limits specified in the SBI General policy document.

• Any accident, damage, or liability arising while the vehicle is used for unlawful purposes or in violation of policy conditions.

• Depreciation, consumables, and routine maintenance costs unless specifically covered through selected add-ons.

• Damage caused during war, nuclear risks, or government confiscation, as excluded under standard motor insurance guidelines.

These exclusions apply as per the policy terms of SBI General Insurance and IRDAI-compliant motor insurance regulations.

SBI General Car Insurance Add-On Covers

Add-on covers from SBI General Insurance are optional protections that enhance a standard car insurance policy by covering gaps such as depreciation, engine damage, loss of NCB, and mobility expenses. These add-ons are available at a nominal extra premium and are especially useful for new or high-value cars.

1. Nil Depreciation / Zero Depreciation Cover

This add-on allows you to claim the full cost of replaced parts without depreciation deductions, unlike standard policies that factor in wear and tear.

• Typically available for cars up to 5 years old.

• Usually limited to 1–2 claims per policy year.

• Ideal for new or premium vehicles with high spare-part costs.

2. Return to Invoice (RTI) Cover

Under this add-on, SBI General pays the original invoice value of the car, including registration charges, if the vehicle is stolen or declared a total loss.

• Applicable generally within the first 2 years of vehicle registration.

• Covers the gap of nearly 20% depreciation by the second year.

• Valid only in cases of theft or irreparable damage.

3. Engine Protect / Engine Guard Cover

Standard motor insurance excludes non-accident engine failures, but this add-on covers engine and electrical circuit damage, including hydrostatic lock caused by water ingress.

• Available mainly for cars up to 3 years old.

• Covers expensive engine and gearbox repairs.

• Excludes damage due to normal wear and tear or driver negligence.

4. NCB Protection Cover

SBI General is among the few insurers in India offering this add-on, which protects your No Claim Bonus (NCB) even if you make a claim.

• Preserves NCB of up to 50% on own-damage premium.

• Covers one own-damage claim per policy year.

• NCB protection is not transferable, unlike standard NCB.

5. Daily Allowance / Loss of Use Cover

This add-on compensates you for temporary transport expenses if your car is under repair or stolen.

• Pays up to ₹1,000 per day, depending on car make and age.

• Coverage can extend up to 14 days.

• Repair must be done at an SBI General empanelled garage.

Other SBI General Car Insurance Add-Ons

• Roadside Assistance Cover – Emergency towing, fuel delivery, and on-road help during breakdowns.

• Personal Accident Cover for Passengers – Fixed compensation for occupants in case of accidental injury or death.

• Key Replacement Cover – Covers cost of lost or damaged car keys and locks.

• Consumables Cover – Pays for engine oil, nuts, bolts, coolant, and similar consumables during repairs.

Benefits of Buying SBI General Car Insurance

SBI General Insurance offers an online car insurance experience that combines convenience, speed, and strong customer support with the trust of an established insurer. Here are the key benefits of buying SBI General Car Insurance online:

1. Convenience

Buying SBI General Car Insurance online removes the need to visit branches or meet agents. You can purchase or renew your policy anytime, anywhere, directly from the comfort of your home.

2. Time-Saving

The online process is quick and paperless, allowing you to buy car insurance in just a few minutes with minimal documentation and faster policy issuance.

3. Hassle-Free Policy Management

From checking your vehicle’s IDV to renewing your policy or filing a claim, everything can be managed digitally. SBI General also supports cashless repairs through its wide PAN-India garage network.

4. Strong Customer Support

SBI General provides 24×7 customer assistance through helplines and digital support channels, ensuring quick help during policy purchase, endorsements, or claims.

5. Meets Legal Requirements

Under the Motor Vehicles Act, 1988, third-party car insurance is mandatory in India. Buying SBI General Car Insurance online ensures you remain legally compliant and avoid penalties.

6. Financial Protection

A comprehensive SBI General car insurance policy protects you against financial losses due to accidents, theft, fire, natural calamities, and vandalism, and may also cover legal expenses.

7. Third-Party Liability Coverage

The policy covers injury, death, or property damage caused to a third party, helping safeguard you from high compensation or legal costs.

8. Customisable Coverage

SBI General allows you to enhance your policy with add-on covers such as Zero Depreciation, Engine Protect, Return to Invoice, and NCB Protection, letting you customise coverage as per your driving needs.

How to Buy SBI General Car Insurance Online?

Follow these simple steps to buy SBI General Car Insurance online through Coverfox:

• Visit Coverfox and select Car Insurance.

• Enter your car registration number and basic vehicle details.

• Compare quotes and choose SBI General Insurance from the list.

• Select the required policy type and add-ons, if needed.

• Review premium details and complete the payment online.

• Receive your SBI General Car Insurance policy instantly via email.

SBI General Car Insurance Cashless Garage Network

SBI General Car Insurance offers access to a vast cashless garage network across India, making vehicle repairs easier and hassle-free. You can find the complete list of SBI General’s 9,722 network garages at:

https://www.sbigeneral.in/claim/garage-network

From the link above, follow these steps to find a specific SBI General cashless network garage:

• Add your vehicle details.

• Select your State.

• Select your City.

• Select your Car Manufacturer.

• Add the Garage Name (optional).

• Click on Search.

From the displayed list of garages, you can view important details such as the garage address, contact number, and email address.

SBI General Car Insurance Customer Care & Contact Details

Head Office (Corporate & Registered Office)

SBI General Insurance Company Ltd.
9th Floor, A & B Wing, Fulcrum Building,
Sahar Road, Andheri (East), Mumbai – 400099, India

Toll-Free Customer Care / Helplines

• General Customer Care (24×7): 1800 102 1111 (toll-free)

• Claims Assistance: 1800 22 1111 (motor & non-health)

• Healthline (Health/PA): 1800 210 3366 / 1800 210 6366 (24×7)

Note: The toll-free number 1800 102 1111 is the primary support line for all customer queries, including car insurance.

Email Support

• General Customer Care: customer.care@sbigeneral.in

• Head – Customer Care (Grievances): head.customercare@sbigeneral.in

• Senior Citizens Grievance (Dedicated): seniorcitizengrievances@sbigeneral.in

WhatsApp Support / Chatbot

Send “Hi” on WhatsApp (+91 91362 33331) to start interacting with SBI General’s insurance bot for enquiries, purchases, renewals, or policy information.

Other Contact Options

• International Contact Number: +91 22-6191 1111 (non-toll-free)

• Agent / Intermediary Support: 1800 22 1111 (24×7)

• Fax (Grievances / Support): 1800 22 7244 / 1800 102 7244

SMS Service Shortcodes (Useful for Quick Actions)

• MOTOR (Car Insurance Info): SMS MOTOR to 561612

• CLAIM (Start Claim Process): SMS CLAIM to 561612

These SMS services help with checking status or initiating requests.

Escalation & Grievance Process

If you need to escalate a complaint beyond basic support:

• Contact customer support at 1800 102 1111 or email head.customercare@sbigeneral.in.

• If unresolved, complaints can be lodged online via Bima Bharosa (IRDAI regulator portal).