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Comprehensive coverage that protects your precious car and offers you complete peace of mind.

key attractions

Accidental Damage

Protection to the vehicle In case of accidents

Personal Accident

Compulsory personal accident cover for owner & occupants

Third Party Liability

Protects in case of legal liability owing to the vehicle for injury / death to any third party


  • Includes accidental damage to Vehicle

  • Includes Third Party Liability

  • Includes Personal Accident cover to Owner Driver

  • Personal accident cover to paid driver & unnamed passengers

  • No Claim Bonus

  • Add ons: Return to Invoice, NCB Protection, Depreciation reimbursement, Engine guard, Roadside assistance, Consumable cover, Key Replacement, Loss of Personal belongings

Policy Details

Coverage: The following are covered subject to certain terms and conditions:

  • This policy covers compulsory third party liability mandated by Motor Vehicles Act, as well as loss or damage to the insured car itself

  • Third party liability - this protects the owner in case there is any legal liability due to use of the vehicle, towards third parties. It covers physical injury/death of any person or damage caused to third party property

  • Loss or damage to the vehicle: covers any loss or damage to vehicle or its accessories due to any of the following:

  • Fire, explosion, self-ignition, accidental damage by external means

  • Lightning, earthquake, flood, typhoon, hurricane, storm, cyclone etc

  • This policy also includes compulsory personal accident cover of Rs. 15 lakh for individual owners holding a valid driving license of the vehicle while driving

  • Passengers can be covered for Personal Accident for a maximum Sum Insured of Rs. 2 lakh. Option for higher limits is also available

  • Coverage for LPG/CNG bi-fuel kit

Key Exclusions

  • Normal wear and tear and ageing of the vehicle

  • General depreciation

  • Mechanical or electrical breakdown

  • Damage by a person driving without a valid license or documents

  • Damage by a person driving under the influence of drugs or alcohol

  • Loss/damage due to war, invasion, foreign enemy acts, mutiny or nuclear risk etc

How Does It Work

This policy provides protection to your private car in addition to personal accident cover for you and other family members who may use the vehicle.

This Policy is designed to cover the compulsory Third Party Liability as required by Motor Vehicles Act, together with loss or damage to the Vehicle also.


Please click here to intimate a claim.

You can also contact our toll free number 1800 102 1111 or SMS "CLAIM" to 561612 or email your details to and get your claim number / reference number.


Yes Bank Ltd. is a registered corporate agent of SBI General Insurance Company Limited. For Yes Bank Ltd., IRDAI Registration Number CA0125 | SBI General Insurance Company Limited I Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | The information in the advertisement is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license.| Toll Free Number: 1800 102 1111 | Website: | Private Car Insurance Policy - Package (UIN: IRDAN144RP0005V03201112), Bundled Private Car Insurance Policy (UIN: RDAN144RP0006V02201819) | ADDIG/20-21/DEC/1701

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Documents Required

  • Commission Disclosure
  • SBI General Four Wheeler Insurance - Brochure
  • SBI General Four Wheeler Insurance - Policy Wordings
  • SBI General Four Wheeler Insurance - Prospectus
  • SBI General Four Wheeler Insurance - Standard Disclaimer