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SBI Own Damage Car Insurance

SBI General Insurance offers their customers with generally 3 types of car insurance in India i.e. Comprehensive car insurance plan, a third party insurance plan and a standalone own damage insurance plan. It is advisable to opt for a standalone own-damage car insurance plan alongside a mandatory third party insurance cover. The standalone own-damage car insurance plan offered by SBI General Insurance offers protection against damage caused to the insured car due to an accident or mishap such as theft, vandalism, road accidents, manmade and natural calamities.

Standalone Own Damage Bike Insurance V/S Comprehensive Bike Insurance V/S Third Party Insurance

Basis

SBI Standalone Own Damage Bike Insurance

SBI Comprehensive Bike Insurance

SBI Third Party Insurance

Coverage Offered

It is not mandatory to own a standalone own damage bike insurance plan. However, they offer compensation for their own damage expenses incurred in various types of scenarios and can offer much needed financial assistance during any mishap.

A comprehensive bike insurance plan offers coverage for both third party liabilities and own damage cover in a single insurance plan. Also, it also provides the policyholder with an optional personal accident cover.

A third party bike insurance plan would take care of third party liabilities which includes, third party bodily injuries, death and third party property damage. It is mandatory to at least own a third party insurance plan.

Add-Ons

Option to choose from various add-on covers at a little extra cost is offered here.

Here also the policyholder is given the option to choose from several add-on covers for an extra premium amount.

No add-ons are offered under third party car insurance.

Cost

This insurance plan is expensive in comparison to a third party insurance as it provides better coverage.

This is the most expensive insurance plan available. This is because it provides comprehensive coverage under a single plan.

This insurance plan is the least costly plan available. This is because it provides standard coverage.

What is Covered Under SBI Standalone Own Damage Bike Insurance Policy?

SBI Standalone Own Damage Bike Insurance Policy offers the following coverages:

  • Damage or loss incurred because of an accident or mishap
  • Explosions or fire resulting in damages to the car
  • Damages because of manmade or natural disasters.
  • In case the insured car gets stolen

What is Not Covered Under SBI Standalone Own Damage Bike Insurance Policy?

SBI Standalone Own Damage Bike Insurance Policy doesn’t offer the following coverages:

  • In case your car breakdowns because of an electrical or mechanical breakdown
  • Normal wear and tear of the insured vehicle
  • In case an unforeseen event happens outside the geographical boundaries of the nation
  • A mishap occurring because of illegal driving

Benefits of SBI Standalone Own Damage Policy

Some of the benefits of buying SBI Standalone Own Damage Policy are as follows:

  • It provides a protective layer for the insured car as well as a driver against the uncertainties on road.
  • Policyholders can opt for various add-on covers to extend the coverage of their insurance plan.
  • Insurance companies offer NCB for each claim-free year

How to Buy SBI Standalone Own Damage Policy?

You can follow the below-mentioned steps to buy SBI Standalone Own Damage Policy:

Step 1: Go to the InsuranceDekho website and choose the ‘car insurance’ tab. From the drop-down menu choose the ‘Standalone Own Damage’ option.

Step 2: Give the registration number of your car. In case you don’t have the details regarding the same, then instead enter your car’s model, make and registration year.

Step 3: Enter your personal information such as your name, contact number. Afterwards, click on the ‘ Submit and Get Quotes’ option.

Step 4: All the standalone own damage insurance quotes would appear on the screen. Choose the one offered by SBI General Insurance Company. Also, at this stage, you can select add-on covers that you would like to include to your standard insurance plan.

Step 5: Last step is to make payment for SBI standalone own damage policy you have chosen and the documents would get instantly sent to you at your e-mail ID.

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SBI Car Insurance User Reviews

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115 User reviews
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    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!

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SBI Own Damage Car Insurance FAQs

  • 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.

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