SBI General Two-Wheeler Insurance

Key features

• ✓Backed by State Bank of India group
• ✓Comprehensive, third-party, and standalone OD plans
• ✓Online policy issuance and renewal
• ✓Cashless repairs at network garages across India
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓NCB up to 50% on renewals
• ✓Multiple add-ons including Zero Dep and Roadside Assistance
• ✓Long-term 5-year third-party cover for new bikes

What’s included

• ✓Own damage due to accidents
• ✓Theft of insured vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural calamities (flood, earthquake, cyclone, storm)
• ✓Man-made events (riot, strike, terrorism, malicious damage)
• ✓Third-party bodily injury and death
• ✓Third-party property damage
• ✓Transit damage (rail, road, air, water)

What’s excluded

• ✕Normal wear, tear and depreciation
• ✕Mechanical and electrical breakdown
• ✕Driving under influence of alcohol or drugs
• ✕Driving without valid driving licence
• ✕Consequential damages
• ✕Use beyond declared purpose
• ✕Damage outside India

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered