SBI General Long Term Car Insurance

Key features

• ✓Backed by State Bank of India group, launched 2009
• ✓Multiple variants: Comprehensive, Third-Party Only, Standalone Own Damage, Pay As You Drive (Flexi)
• ✓Large cashless garage network
• ✓Personal Accident cover of ₹15 lakh for owner-driver
• ✓Optional Personal Accident cover of ₹2 lakh per passenger
• ✓NCB up to 50% on renewal for claim-free years
• ✓Approximately 13 add-on covers available
• ✓24x7 toll-free claims helpline (1800 102 1111) and WhatsApp support
• ✓Online policy issuance and digital claims filing

What’s included

• ✓Own damage from accidents, fire, explosion, self-ignition
• ✓Theft and burglary
• ✓Natural calamities (flood, earthquake, cyclone, lightning)
• ✓Riot, strike, malicious acts, vandalism
• ✓Third-party bodily injury and death
• ✓Third-party property damage
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓In-transit damage (road, rail, air, waterway)

What’s excluded

• ✕Normal wear and tear, ageing, and mechanical/electrical breakdown
• ✕Driving without a valid driving licence
• ✕Driving under the influence of alcohol or drugs
• ✕Damage when vehicle is driven by someone other than authorised driver
• ✕War, nuclear perils, and consequential losses
• ✕Use of vehicle outside declared geographical area
• ✕Loss/damage attributable to depreciation (without zero-dep add-on)

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (own damage); 3-year long-term third-party cover available

IDV

Based on vehicle age and model

NCB

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