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Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?


  • What benefits does SBI General Car Insurance offer over other non-life insurance companies?

    SBI General Car insurance has a commendable incurred claim ratio of 102.07%. The figure proves the company’s commitment to claim settlement.

  • What are the documents and formalities required to process the claim by the company?

    The necessary documents are as follows:

    • Completely filled Claim Form
    • Policy Document
    • Driving License of the driver driving the vehicle at the time of loss
    • RC Copy

  • What one should do in case of an accident?

    Reach the company’s customer care executive via dialling the toll-free number 1800 22 1111 or SMS 'Claim' to 561612

  • What should I do with the insurance when I sell my car?

    The insurance policy is transferable; hence, you could easily transfer the insurance policy, or you can also opt for cancellation of the policy.

  • What is No Claim Bonus?

    No Claim Bonus is basically the discount given by the company in case no claim is requested by the insured during the complete tenure of his policy period.

  • What is the maximum No Claim Bonus limit?

    The discount rate will be offered as per the following slab:

    (If no claims are lodged in consecutive years)

    • Year-20%
    • Years-25%
    • Years-35%
    • Years-45%
    • or more years-50%

  • Can the LPG/CNG kit be covered in the policy? If Yes, then how?

    Yes, this can be done on payment of additional premium. The kit so installed should be added to the RC of the vehicle.

  • What if I lost my Car Insurance policy?

    You may reach your nearest branch to avail a duplicate copy against a nominal fee.

  • Can I cancel my car insurance policy midway?

    Yes, a policy can be terminated midway and the unused premium can be refunded on a short period basis provided alternate insurance proof is provided and there is no claim lodged in the policy.

  • My vehicle is financed by the SBI Bank. Shall I need to mention the same in my policy?

    Yes, it is necessary to incorporate that in the policy document. It should be mentioned under heading financier details.

Zero Depreciation

  • What is Depreciation?

    Depreciation is the continuous loss of value of a asset with time. Your car, just like any other asset, is also subjected to depreciation with a pre-decided rate.

  • Should I file a claim if my car got minor dents in an accident?

    It is highly recommended not to lodge claims for minor damages. You can file a maximum of two claims with Zero Dep add-on cover during the policy term.

  • I have purchased the Zero Dep add-on, will I get full claim now?

    No. This is because the Zero Dep add-on cover only exempts you from paying the depreciation amount of your car. You will still be liable to pay for the things that are not covered under your policy.

  • How can I know the quote for a comprehensive car insurance policy with Zero Dep add-on cover?

    Adding covers increases the premium amount accordingly. To know the premium of a policy with Zero Dep cover, visit and select SBI General car insurance policy along with Zero Dep add-on. Click on ‘get a quote’ to get the desired results.

  • Is there any way to calculate the depreciation of my car?

    You don’t need to worry about the calculations. Entire assessment is done by SBI General and you will be informed about all details. However, you only need to know the depreciation rate and age of your car to do the necessary calculations.

Third Party

  • Will SBI General compensate me for the expenses incurred while giving medical aid to the third-party?

    Yes, definitely. You just need to keep the bill/receipts of all the expenses incurred while seeking any medical attention. Submit those along with necessary documents during the claim settlement process and you will be reimbursed as soon as possible.

  • What if the accident occurred when my car is being driven by any other person?

    You can extend the legal liabilities for any paid driver/conductor/cleaner employed in operation of the vehicle. However, this cover is not available by default and you need to purchase it against an extra cost.

  • Do I need to renew the policy every year?

    No, there is no need to renew the policy every year. SBI General Act Only is a long term policy for 3 years, which eliminates the need for annual auto-renewal.

  • I have lost the insurance Policy. Can I get a duplicate one?

    Yes. Just approach the nearest branch and submit a written request. A nominal fee will be charged to furnish a duplicate copy of your insurance policy.

  • Is No Claim Bonus available with the Act Only cover?

    Yes, you are entitled to get No Claim Bonsu (NCB) discount with Act Only cover if no claim is filed during the policy tenure. Also, the discount increases for every claim-free years, up to 5 years.


  • Can I buy a SBI General comprehensive car policy premiums online?

    Yes, SBI General has a dedicated portal on its website, which can be used to buy a new car insurance policy. Moreover, you can also renew your existing policy through the portal. For more details, contact Insurancedekho at 7551196989.

  • Will I be entitled to any discount if no claim is filed during the policy tenure?

    Yes, you will be entitled to get No Claim Bonus (NCB) if no claim is lodged during the insurance period. The discount increases for every claim-free years up to 5 years.

  • Is there any way to retain NCB after a claim?

    This is only possible if you have the NCB Protection add-on cover over your standard SBI insurance policy. However, this protection will also become void if more than one claim is filed during the policy period.

  • I want to sell my car, how can I transfer my policy to the new owner?

    The SBI General car insurance policy is transferable. You just need to submit an application and fill the necessary details in the application form. The company may charge a minimal fee for the same.

  • Can I cover my personal belonging in the existing policy?

    Yes, you can get your personal belongings covered against payment of an additional premium. However, this allowance only covers the personal belongings of the policyholder and not others travelling in your car.


  • How can I initiate a claim?

    Immediately inform the company after an accident. You can call the toll free number 1800 22 1111 or SMS "CLAIM" to 561612 for the same. Alternatively, you can also initiate the claim online by filling basic details at:

  • I have sold my car? What should I do with insurance?

    In case, you have sold your car, you can either transfer the policy to the new owner or can cancel it. Both can be done by submitting a formal request at the nearest branch and filling a form (if required).

  • Do I need to file an FIR even for a minor accident?

    No, filing an FIR at the local police station is only mandatory if the accident results in serious injuries to a person, theft of the vehicle and third-party property damage.

  • My SBI General car insurance policy is expired and I have missed the stipulated deadline. Is there any way to renew the policy?

    Yes, you can still renew you SBI General car insurance policy even after missing the last date. However, this can be done by filing a formal request and post satisfactory inspection of the vehicle the policy will be renewed


  • How much time does it take to renew a car insurance policy with SBI?

    Renewal of car insurance policy is an instant process with SBI. The time you spend in filling the policy details and making payment is all the time required for the renewal of your car insurance policy with SBI.

  • I have a non-SBI car insurance policy. Can I purchase SBI Motor insurance add-on covers while renewing my policy?

    Yes, you can renew the add-on covers of your existing non-SBI policy while renewing your policy with SBI.

  • I have a third party liability only policy. Is there any separate renewal process from the one mentioned above?

    No, you need to follow the same process for both the comprehensive and third-party policy renewal. Also, even if you have a non-SBI car insurance policy, you can still use the same process to new your policy with SBI.

  • I want to pay the renewal fee in cash. Can I do that?

    To make the payment of the insurance renewal fee in cash, you need to visit your nearest SBI General Insurance branch and initiate the renewal process. You can locate your nearest SBI General Insurance branch using its official website.

  • When should I renew my SBI car insurance policy?

    You should renew your car insurance policy before its expiry. You can also renew it within 90 days after missing the last renewal date but in case that you would be required to get an inspection done for your car. If you fail to renew the policy even post 90 days of its expiry, you will have to purchase a new car insurance policy for your vehicle.

Own Damage

  • What is SBI's Own Damage Insurance Policy?

    SBI Own damage insurance plan offers protection to the policyholder against the losses or damages caused to their own insured vehicle due to an accident, theft or mishap.

  • How is the premium calculation done for SBI Own Damage Insurance Policy?

    The premium calculation for SBI Own damage car insurance plan takes place by taking into consideration several factors such as car’s make, car’s age, vehicle type, geographical zone, engine cc, etc.

  • Is it mandatory to buy Own damage insurance plan?

    No, buying an own damage insurance plan is not mandated by law.

  • What is the difference between Own damage insurance plan and third party liability insurance?

    An own damage insurance plan provides the policyholder with protection against damages sustained by their own insured vehicle because of any mishap, natural calamity, accident, etc. While, on the other hand, a third party insurance offers protection against third party liabilities i.e. third party property or individual.

  • What are the types of SBI car insurance plans available in the market?

    Generally, a policy buyer can choose from 3 different types of car insurance plans i.e. third party car insurance plan, a comprehensive car insurance plan and standalone own-damage car insurance plan.

Must Read Articles before buying Sbi Car Insurance

SBI Car Insurance User Reviews

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  • Low premium prices

    I found a great car insurance plan of SBI through InsuranceDekho! Their website makes it easy to compare quotes and find the best value policies. Thank you InsuranceDekho team for all the help!

    By Vinita Desai
    On: April 12, 2024
  • Easy and Fast

    Lot of companies to choose and the interface is simple to complete the transaction faster. The description must be at least 125 characters. So I'm typing this also.

    Tata Tiago 2019-2020 Chennai
    On: February 9, 2022
  • Car insurance renewal

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    Nissan Micra Ahmedabad
    On: November 27, 2021
  • Very Good experience

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    Maruti Alto 800 Khargone
    By Aneesh khan
    On: November 9, 2021
  • Fast comparison of various pol...

    Fast comparison of various policies on this portal made work easy. Detailed information about available garages with complete address is mentioned in some policies.

    Honda WRV Mumbai
    By Parin K Raval
    On: August 23, 2021
  • Fast and useful

    Quick and easy payment ! The support from online agent was excellent. The pin code was an issue as it didn’t match with my location - just changed the PIN making mapping possible and the process was completed in seconds

    Mahindra XUV500 Kanjirappally
    On: July 28, 2021
  • Customer Ease

    Very easy to access and customer friendly. Also lot of companies to choose the access at our ease. It is also better if you would confirm immediately through whatsapp or mail

    Toyota Etios 2010-2012 Visakhapatnam
    By HemanthKumarKantam
    On: July 2, 2021
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    Maruti Baleno Bhiwani
    On: May 22, 2021
  • Most affordable insurance

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    Honda Amaze bulandshahr
    On: May 18, 2021
  • Convenient

    Easy transaction with comparative premium statement and also document-less transaction are the features to rate this experience as EXCELLENT.

    Maruti A Star Agartala
    On: March 17, 2021

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