SBI General Motor Insurance
SBI General offers reliable and affordable motor insurance plans with extensive coverage, a wide network of cashless garages, and simplified claim settlement backed by trust and scale.
Top rated plan
from 5 Insurance plans
Features
Copayment
Inclusion
Third party injury
Covers any injury/death caused due to accidents outside the vehicle
Third party property
Covers any damage/loss to third party property
Own damage
Covers repair/replacement costs of your vehicle damaged in an accident
Claim process
About
SBI General Insurance one of the fastest-growing private general insurance firms, backed by the robust support of SBI upholds a legacy of trust and security. We position ourselves as India's most trusted general insurer amidst a dynamic landscape. Since establishment in 2009, SBI expanded substantially, growing from 17 branches in 2011 to a nationwide presence of over 143 branches. In FY 2023-24, SBI General Insurance achieved significant growth, with a notable 17% increase in Gross Written Premium (GWP), reaching INR 12,731 crores.
The fine print
Download the full policy brochure
Motor Insurance
Features of Motor Insurance
Legal Compliance
You need an active and valid insurance to legally drive a car, two-wheeler or commercial vehicle in India.
Cashless Garage Network
Access 7000+ authorized cashless garages for quick, hassle-free repair services.
Third-Party Liability Cover
Third-Party Liability Cover: Covers bodily injury, death, or property damage caused to third parties by your vehicle.
Personal Accident Cover
Personal Accident Cover: Includes cover for the owner-driver against accidental death or permanent disability.
Add-On Options
Choose from zero depreciation, engine protector, NCB protection, and more to enhance your coverage.
Quick Policy Issuance
Fast and paperless issuance process with digital documents for instant access.
Categories of Motor Insurance
Car Insurance
Protects private cars against accidents, fire, theft, and third-party liabilities. Car insurance plans offer comprehensive benefits and optional add-ons for wider protection.
Two-Wheeler Insurance
Provides safeguards for motorcycles and scooters against road mishaps and natural or man-made damages. The policy also ensures compliance and includes accident cover for riders.
Commercial Vehicle Insurance
Tailored for vehicles used in logistics and passenger transportation, this plan covers vehicle damage and liability, supporting smooth business operations.
Car Insurance
Protects private cars against accidents, fire, theft, and third-party liabilities. Car insurance plans offer comprehensive benefits and optional add-ons for wider protection.
Two-Wheeler Insurance
Provides safeguards for motorcycles and scooters against road mishaps and natural or man-made damages. The policy also ensures compliance and includes accident cover for riders.
Commercial Vehicle Insurance
Tailored for vehicles used in logistics and passenger transportation, this plan covers vehicle damage and liability, supporting smooth business operations.
Type of Motor Insurance
Covers third-party injury, death, or property damage involving your vehicle
All vehicle owners (legally mandatory)
- Third-party bodily injury
- Third-party property damage and legal expenses
- Own vehicle damage
- Personal accident cover
Reasons to Buy Insurance
Legal Requirement
Having a third-party insurance is mandatory as per the MV Act, 1988 to legally drive in India.
Trusted Brand
Backed by the credibility and reach of SBI, one of India’s largest financial institutions.
Wide Coverage Options
Choose from third-party, own damage, or comprehensive plans with add-ons.
Quick Claims Support
Enjoy a fast claim settlement process through online and offline channels.
Digital Convenience
From buying to renewal, everything can be done seamlessly through the website or app.
Customization
Add features based on your driving needs to make your policy work harder for you.
Things to Consider While Buying Motor Insurance
What Impacts Your Motor Insurance Premium?
Motor insurance premiums depend on several factors, including your vehicle’s type and age, where you live, policy type, and any claim-free history or add-ons selected.
How to Buy Motor Insurance.
Visit the Upstox website or app and enter your details.
Visit the Upstox Website or App
Visit the Upstox website or app and enter your details.
Enter Vehicle Details
Provide your vehicle's registration number, model, and other details.
Select Coverage Type
Choose between third-party, own-damage, or comprehensive coverage.
Compare Policies and Add-Ons
Evaluate available plans and select necessary add-ons like zero depreciation or roadside assistance.
Fill Out Personal Information
Enter your name, contact details, and nominee information.
Review and Make Payment
Carefully review the policy terms, conditions, and exclusions. Proceed with the payment.
Receive Policy Documents
After successful payment, the policy documents will be sent to you digitally for easy access.
How to File a Motor Insurance Claim?
You can file a claim in two primary ways: 1) Cashless Claim: At a network garage, where the insurer pays the garage directly, 2) Reimbursement Claim: You pay for the repairs, and the insurer reimburses later
FAQs
Is third-party motor insurance mandatory in India?
Yes, third-party insurance is legally required for all vehicles under the Motor Vehicles Act.
What types of motor insurance plans are available from providers like SBI General?
Most insurers, including SBI General, offer third-party, own damage, and comprehensive motor insurance plans.
Is personal accident cover usually included in motor insurance policies?
Yes, personal accident cover for the owner-driver is commonly included as per regulatory guidelines.
Can I purchase and renew motor insurance online?
Yes, most insurers, including SBI General, allow users to buy or renew policies online through their official platforms as well as through platforms like Upstox.
Are cashless repair services available under these plans?
Many motor insurance providers offer access to a nationwide network of cashless garages, with availability varying depending on the insurer and location.
What are some common add-ons offered with motor insurance?
Popular add-ons include zero depreciation cover, engine protection, roadside assistance, and No Claim Bonus (NCB) protection.
How is the premium for motor insurance determined?
Premiums depend on various factors, including vehicle type, age, insured declared value (IDV), claim history, location, and selected add-ons.
What documents are required to file a claim?
Typically required documents include the insurance policy, registration certificate (RC), driving license, claim form, and repair estimates; an FIR may be needed in some cases.
What is the process to file a motor insurance claim?
The general process involves notifying the insurer, submitting documentation, conducting a vehicle inspection (if required), and settling the claim or arranging for a cashless repair.
Can No Claim Bonus (NCB) be transferred when switching insurers?
Yes, NCB is transferable between insurers at the time of renewal, provided there’s no break in policy coverage.
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