Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typePrivate-car motor insuranceView source
General publishes a dedicated private-car insurance product page with buy and renew journeys.
- Source
- General Car Insurance
- Page / section
- Product overview
- Accessed
- 23 Aug 2026
- Confidence
- high
Key coverageThird-party liability and own-damage/comprehensive options vary by the policy selected; add-ons and exclusions are controlled by the policy wordingView source
The official product page presents third-party and own-damage policy journeys and directs customers to the selected policy wording for controlling terms.
- Source
- General Car Insurance
- Page / section
- Coverage and policy options
- Accessed
- 23 Aug 2026
- Confidence
- high
Eligible vehiclePrivate cars registered and used in India, subject to insurer acceptance and vehicle detailsView source
The product page is specifically for private cars and requires vehicle and registration details for a quote.
- Source
- General Car Insurance
- Page / section
- Who can buy
- Accessed
- 23 Aug 2026
- Confidence
- high
InsurerSBI General Insurance Company LimitedView source
General's official catalogue groups these products under Health, Motor and Other Insurance and identifies General as the insurer.
- Source
- General products
- Page / section
- General Products catalogue
- Accessed
- 23 Aug 2026
- Confidence
- high
Starting premiumStarts at ₹2,094; the quoted premium varies with the selected coverages, vehicle and other quotation factors.Effective 1 May 2026View source
The current key-features table states that car-insurance premium starts at ₹2,094 and notes that the premium may differ according to the coverages and other factors selected at quotation.
- Source
- General Car Insurance
- Page / section
- Key Features of General Car Insurance Policy
- Accessed
- 28 Aug 2026
- Confidence
- high
Vehicle sum insured (IDV)The Insured Declared Value (IDV) is the vehicle's current market value and the maximum amount payable for total loss or theft; it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.View source
The official page defines as the current market value and maximum total-loss or theft payment, calculated by adjusting the manufacturer's listed price for depreciation.
- Source
- General Car Insurance
- Page / section
- What is in Car Insurance?
- Accessed
- 28 Aug 2026
- Confidence
- high
Policy termA standard comprehensive private-car policy is typically valid for one year; long-term options may be available for two or three years, depending on the cover selected.View source
The official comprehensive-car page explains that a standard comprehensive policy typically lasts one year and that long-term policies may be available for two or three years.
- Source
- General Comprehensive Car Insurance
- Page / section
- Policy tenure
- Accessed
- 28 Aug 2026
- Confidence
- high
Key exclusionsThe comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs; the selected policy wording controls the complete list.View source
The official page lists these exclusions under its comprehensive-car coverage section and directs customers to the policy wording for the full exclusions.
- Source
- General Comprehensive Car Insurance
- Page / section
- What is not covered
- Accessed
- 28 Aug 2026
- Confidence
- high
Network garagesOver 8,700 network garages (page footnote says as on May 2026)Effective 1 May 2026View source
The key-features table lists over 8700+ network garages and marks the figure as on May 2026.
- Source
- General Private Car Insurance — official product page
- Page / section
- Key features of General Car Insurance Policy
- Accessed
- 29 Aug 2026
- Confidence
- high
No-claim bonusUp to 50% discount on renewal premium, subject to policy termsView source
The key-features table states no claim bonus up to 50%; the section explains it is a claim-free renewal discount.
- Source
- General Private Car Insurance — official product page
- Page / section
- Key features; What is No Claim Bonus
- Accessed
- 29 Aug 2026
- Confidence
- high
Personal accident cover₹15 lakh for the individual owner and ₹2 lakh per passenger for occupantsView source
The key-features table publishes ₹15 lakh for individual owners and ₹2 lakh per passenger for occupants.
- Source
- General Private Car Insurance — official product page
- Page / section
- Key features of General Car Insurance Policy
- Accessed
- 29 Aug 2026
- Confidence
- high
Add-on coversMore than 13 add-ons are available, including depreciation reimbursement, engine guard and consumables cover; additional premium applies.View source
The page states over 13 add-ons and names depreciation reimbursement, engine guard and consumables cover as examples.
- Source
- General Private Car Insurance — official product page
- Page / section
- Key features; Different types of car insurance
- Accessed
- 29 Aug 2026
- Confidence
- high
Claim inspection timingInspection is arranged within 24 hours when a claim is reported on a working day, or on the next working day if reported on Sunday or a public holiday.View source
The claims section sets the inspection timing and next-working-day rule.
- Source
- General Private Car Insurance — official product page
- Page / section
- How to File a Car Insurance Claim Online
- Accessed
- 29 Aug 2026
- Confidence
- high
Geographic limitsThird-party liability and own-damage/comprehensive options vary by the policy selected; add-ons and exclusions are controlled by the policy wordingView source
The manually reviewed product record states: “Third-party liability and own-damage/comprehensive options vary by the policy selected; add-ons and exclusions are controlled by the policy wording”.
- Source
- General Car Insurance — official product page
- Page / section
- Published product metadata
- Accessed
- 23 Aug 2026
- Confidence
- high
Benefits and features
- Third-party cover option
- Own-damage/comprehensive option
- Online buy and renew
Eligibility
- Private cars in India
- Premium and add-ons depend on vehicle and policy selection
Passing a listed condition does not mean the bank will approve an application.
Related official documents
SBI General Private Car Insurance — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗SBI General Private Car Insurance — official product pageofficial-product-page · current · accessed 29 Aug 2026
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