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Motor Insurance ReviewREXI Analysis 2026
SBI General Car Insurance
Backed by SBI — widely accessible and reliable for all car owners.
3.8/5(145 reviews)
Claim Ratio: 93.00% (FY 2023-24)
Overview
SBI General Insurance leverages India's largest bank network to make motor insurance easily accessible. A trusted choice across demographics with a straightforward claims process. Available at all SBI branches for easy purchase and renewal.
IDV Flexibility
Moderate
Best For
SBI account holders and those who prefer purchasing through bank branches with an established trust in a public sector-affiliated insurer.
What We Like
- Accessible via SBI branches — easy renewal and purchase
- Trusted SBI brand with fair claim settlement
- Standard comprehensive coverage with good add-on options
- Competitive pricing on Third-Party policies
Watch Out For
- Digital experience and app are below cutting-edge private insurers
- Cashless garage availability varies in smaller cities
- Add-on bundling not as competitive as Digit or Acko
Products Offered
Private Car InsuranceTwo-Wheeler InsuranceLong-Term Motor Policy
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.