SBI General Insurance - Two-wheeler Insurance Policy with cashless claims at 6,600+ garages
Key features
Key features and benefits of this policy
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Third-party liability cover
Covers the expenses of damages caused to the third party or to their property or vehicle.
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Own-vehicle damage cover
Covers your own insured vehicle against damages caused due to natural calamities, theft, fire, and accidents.
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Personal accident cover
The policy offers personal accident cover up to Rs. 15 lakh to the owner-driver or the nominee if the insured suffers accidental death or permanent total disability.
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Multiple add-on covers available
You can choose from the add-on covers like No Claim Bonus (NCB) protection, depreciation reimbursement and return to invoice to enhance your bike insurance.
Eligibility criteria and documents required
Anyone fulfilling the below-given criteria is eligible to buy SBI General’s Two-wheeler Insurance Policy. Also, below is some basic information you need to keep handy to buy the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle being registered should have a valid registration number and certificate
Documents required
Only basic information required while buying the SBI General Two-wheeler Insurance Policy:
- Two-wheeler registration number
- Mobile number
- Residential PIN code
- Previous policy details
Step-by-step guide to buy this policy
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Step 1
Click on 'Get Quote’ to open the online application form.
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Step 2
Enter the vehicle type, two-wheeler registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
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Step 3
Choose the IDV, NCB value, add-on covers and plan type to get a list of relevant policies. You need to update your current policy expiry date here.
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Step 4
Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on Next to proceed.
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Step 5
Confirm the vehicle registration date and the previous policy type (Comprehensive/third-party). Click on ‘Proceed’.
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Step 6
Enter vehicle owner’s name, date of birth, residential address and contact number. Also, enter vehicle engine and chassis number (as per the RC) and previous policy details.
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Step 7
Review your previously filled details and make the payment through your preferred online payment mode – net banking, UPI, credit/debit card to buy the policy.
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After successful payment, your policy document will be available for you to download instantly. A copy of the policy document will also be mailed to your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment process is completed.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Key inclusions and exclusions
Here’s a quick look at the inclusions and exclusions under the SBI General Two-wheeler Insurance Policy:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Own-damage coverage | Coverage against damages caused to the policyholder’s insured vehicle due to accident, natural calamities or man-made damages |
| Third-party liability coverage | Coverage against physical injuries to the third party or damages caused to their property by the insured vehicle |
| Personal accident cover | Coverage of up to Rs. 15 lakh for the owner-driver |
| Add-on covers | NCB protection cover | Depreciation reimbursement cover | Return to invoice cover |
| Theft | Coverage up to the insured declared value in case of theft of your two-wheeler |
| Key exclusions | Description |
|---|---|
| Location | Any loss or damage caused to your car outside the geographical area of India |
| Intoxication | Driving under the influence of drugs or alcohol, and without a valid driving license |
| Normal wear and tear | Repair or replacement costs of car parts that are damaged over time due to regular usage |
Product information
For complete details on product benefits, features, terms and exclusions, please read product sales brochure and policy wordings carefully before concluding a sale.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with SBI General’s Two-wheeler Insurance Policy:
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Step 1 - Contact the insurer
Log in to the SBI General Insurance website or the SBI app with your registered mobile number and click on ‘Intimate Claim’ section.
In case of an accident, you can call on 1800-102-1111 (toll-free) to register your claim or send an email to customer.care@sbigeneral.in.
You can also send an SMS typing ‘CLAIM’ to 561612. -
Step 2 – Fill the claim form
Fill out the claim form with the required details. In case of accident or theft claims, the list of required documents will be specified in the form. The insurer will send a surveyor to assess the vehicle damage and suggest a list of nearest network garages.
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Step 3 – Take the two-wheeler to a network garage
You can either ride the two-wheeler to the network garage or choose the towing service provided by the insurer.
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Step 4 – Bill is settled between SBI General and the network garage
The insurer will settle the bill up to the sum insured with the network garage directly. You will only need to clear the balance (deductibles) amount needs with the garage.
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Step 5 – Fastlane Claim Settlement (FCS)
The insurer also offers ‘Fastlane Claim Settlement’ that facilitates quick motor claim settlement. This process fast tracks your claim process and completes in 2-3 days. Call on the toll-free number 1800-102-1111 and reach out to the claim manager. The person will assist you with any queries and documentation required.
How to raise a reimbursement claim
To reimburse your two-wheeler repairing bills with SBI General’s Two-wheeler Insurance Policy, follow these steps.
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Step 1 - Contact the insurer
Log in to the SBI General Insurance website or the SBI app with your registered mobile number and click on ‘Intimate Claim’ section.
In case of an accident, you can call on 1800-102-1111 (toll-free) to register your claim or send an email to customer.care@sbigeneral.in.
You can also send an SMS typing ‘CLAIM’ to 561612. -
Step 2 – Repair your two-wheeler at any of your preferred garages
You can repair your vehicle at any of your preferred garage, pay the bills, and retain the invoice.
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Step 3 - Submit the required documents
Submit the reimbursement claim form by logging in to their website or app and uploading the invoice and the other necessary documents.
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Step 4 - Claim settlement
SBI will review your claim and verify the documents to process the reimbursement as per the policy's terms and conditions.
Documents required for raising a claim request
Here is the list of documents you need to raise a claim request with SBI General’s Two-wheeler Insurance Policy.
- Copy of the registration certificate (RC) of your vehicle
- Copy of your driving licence
- Copy of insurance policy and policy number
- Duly filled and signed claim form
- First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
- The original bills for the repairs of the two-wheeler (in case of reimbursement claim)
- Description of the incident and photographs of the vehicle (if possible)
Frequently asked questions
The SBI General sends a copy of the policy document to your registered email ID within 5-7 days from the policy purchase date. Also, you can visit the My Account section on Bajaj Finance Insurance Mall to access the policy document after 5-7 days of purchase. You can easily download the documents from these mediums.
You do not need any documents to buy the SBI General’s Two-wheeler Insurance Policy on Bajaj Finance Insurance Mall. Bajaj Finance offers a 100% digital and paperless process. You will only need to provide a few details like name, mobile number, and vehicle registration number to buy the policy.
You can check the policy status of your bike insurance policy on the ‘VAHAN’ e-service website. It is the national registry of vehicles. You can enter your vehicle registration number and policy number to know the policy status of your bike insurance policy.
You can avail of the claim settlement process in two ways, either cashless or reimbursement. For both ways, you need to first contact the SBI General to raise a claim request.
Login to the official website or the App and click on 'Intimate Claim' section. You can also send an SMS typing 'CLAIM' or write an email at customer.care@sbigeneral.in. In case of an accident, you can call on the toll-free number 1800-102-111. Followed by which, you need to send your vehicle for repair to the garage. In case of cashless repair facility, take your vehicle or get it towed to the nearest network garage. In this process, the insurer directly settles the bills with the network garage.
If you choose to repair your vehicle at any of your preferred garages, you can request for reimbursement claim. The insurer after verifying all the bills and documents shared will transfer the claim amount to your registered bank account.
With SBI General Two-wheeler Insurance Policy, you can safeguard your savings and stay financially secure from emergencies. The policy offers own damage and third-party liabilities coverage. You can claim the repair and replacement expenses of your vehicle in case of any damage caused due to natural calamities or man-made damages or accidents. The policy also gives coverage against third-party liabilities. It also offers personal accident cover up to Rs. 15 lakh.
You also have the flexibility to avail of add-on covers like zero depreciation cover, NCB protection cover or return to invoice cover and enhance your comprehensive bike insurance policy to stay fully secure.
