IRDAI product register · general insurance
SBI General Insurance Policy Wordings
IRDAI's non-life product register lists 22 SBI General products and 88 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Shop, office, home and business packages · Liability · Motor · Crop and rural
Shop, office, home and business packages (4)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Business Package Insurance Policy | IRDAN144RP0015V03201314 | 25 May 2021 | Wording |
| Simple Home Insurance Policy | IRDAN144RP0002V02201617 | 20 May 2021 | Wording |
| Simple Home Insurance Policy | IRDAN144P0002V01201617 | 1 Feb 2017 | Wording |
| SME Package Insurance Policy | IRDAN144RP0003V03201415 | 21 Apr 2021 | Wording |
Liability (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Broad Form Liability | IRDAN144P0001V01201617 | 15 Sep 2016 | Wording |
Motor (15)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
Bundled Private Car Insurance Policy1 add-on
| IRDAN144RP0006V02201819 | 31 Mar 2020 | Wording |
| Bundled Private Car Insurance Policy | IRDAN144RP0006V01201819 | 30 Aug 2018 | Wording |
| Bundled Two-Wheeler Insurance Policy | IRDAN144RP0007V02201819 | 20 Feb 2020 | Wording |
| Bundled Two-Wheeler Insurance Policy | IRDAN144RP0007V01201819 | 30 Aug 2018 | Wording |
Commercial Vehicle Insurance Policy - Package (Passenger Carrying)11 add-ons
| IRDAN144RP0004V03201112 | 16 Feb 2020 | Wording |
| Long Term Two Wheeler Insurance Policy- Package | IRDAN144RP0001V02201516 | 31 Mar 2020 | Wording |
| Motor Act Only- Private Car | IRDAN144RP0002V02201819 | 16 Feb 2020 | Wording |
| Motor Act Only- Private Car | IRDAN144RP0002V01201819 | 30 Aug 2018 | Wording |
| Motor Act Only- Two Wheeler | IRDAN144RP0003V02201819 | 6 Mar 2020 | Wording |
| Motor Act Only- Two Wheeler | IRDAN144RP0003V01201819 | 30 Aug 2018 | Wording |
| Motor- Compulsory Personal Accident (Owner-Driver) Insurance | IRDAN144RP0038V02201819 | 16 Feb 2020 | Wording |
| Private Car Insurance Policy Package | IRDAN144RP0004V01201819 | 30 Aug 2018 | Wording |
Stand-Alone Motor Damage Cover for Private Car14 add-ons
| IRDAN144RP0001V01201920 | 22 Aug 2019 | Wording |
| Stand-Alone Motor Damage Cover for Two Wheeler | IRDAN144RP0002V01201920 | 22 Aug 2019 | Wording |
| Two-Wheeler Insurance Policy Package | IRDAN144RP0005V01201819 | 30 Aug 2018 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Gramin Samriddhi Bima | IRDAN144RP0001V02202021 | 20 May 2021 | Wording |
| Pradhan Mantri Fasal Bima Yojana (PMFBY) | IRDAN144P0003V01201617 | 27 Mar 2017 | Wording |
Add-ons filed on their own (60)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Additional Road Side Assistance | IRDAN144RP0005V03201112/A0017V01202122 | 6 Aug 2021 | Wording |
| Basic Road Side Assistance | IRDAN144RP0005V03201112/A0016V01202122 | 6 Aug 2021 | Wording |
| Cover for Consumables--Add on cover under LTTW | IRDAN144A0003V01201718 | 20 Oct 2017 | Wording |
| Cover for Key replacement | IRDAN144RP0005V03201112/A0007V01202122 | 6 Aug 2021 | Wording |
| Cover for Medical Expenses Add-on cover under Employees compensation policy | IRDAN144A0001V01201718 | 5 Oct 2017 | Wording |
| Emergency Medical Expenses | IRDAN144RP0005V03201112/A0001V01202223 | 21 Apr 2022 | Wording |
| EMI Protector---Add on cover for commercial vehicle | IRDAN144A0008V01201718 | 20 Oct 2017 | Wording |
| EMI Protector--Add on covers for private car | IRDAN144A0011V01201718 | 27 Oct 2017 | Wording |
| Engine Guard | IRDAN144RP0003V02201112/A0041V01202122 | 9 Aug 2021 | Wording |
| Engine Guard---Add on cover for commercial vehicle | IRDAN144A0007V01201718 | 20 Oct 2017 | Wording |
| Engine Guard--Add on covers for private car(Revision) | IRDAN144A0005V02201314 | 20 Oct 2017 | Wording |
| Enhanced PA cover for Insured (Owner driver) | IRDAN144RP0002V02201112/A0044V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA cover for Insured (Owner driver) | IRDAN144RP0003V02201112/A0033V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA cover for Insured (Owner driver) | IRDAN144RP0005V03201112/A0010V01202122 | 6 Aug 2021 | Wording |
| Enhanced PA Cover for Paid Driver | IRDAN144RP0002V02201112/A0046V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA Cover for Paid Driver | IRDAN144RP0003V02201112/A0035V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA Cover for Paid Driver | IRDAN144RP0005V03201112/A0012V01202122 | 6 Aug 2021 | Wording |
| Enhanced PA Cover for Unnamed Passengers | IRDAN144RP0002V02201112/A0045V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA Cover for Unnamed Passengers | IRDAN144RP0003V02201112/A0034V01202122 | 9 Aug 2021 | Wording |
| Enhanced PA Cover for Unnamed Passengers | IRDAN144RP0005V03201112/A0011V01202122 | 6 Aug 2021 | Wording |
| Hospital Cash Cover for Insured (Owner Driver) | IRDAN144RP0002V02201112/A0047V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash Cover for Insured (Owner Driver) | IRDAN144RP0003V02201112/A0036V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash Cover for Insured (Owner Driver) | IRDAN144RP0005V03201112/A0013V01202122 | 6 Aug 2021 | Wording |
| Hospital Cash Cover for Paid Driver | IRDAN144RP0002V02201112/A0048V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash Cover for Paid Driver | IRDAN144RP0003V02201112/A0037V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash Cover for Paid Driver | IRDAN144RP0005V03201112/A0014V01202122 | 6 Aug 2021 | Wording |
| Hospital Cash cover for Unnamed Passengers | IRDAN144RP0002V02201112/A0049V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash cover for Unnamed Passengers | IRDAN144RP0003V02201112/A0038V01202122 | 9 Aug 2021 | Wording |
| Hospital Cash cover for Unnamed Passengers | IRDAN144RP0005V03201112/A0015V01202122 | 6 Aug 2021 | Wording |
| Inconvenience Allowance | IRDAN144RP0005V03201112/A0008V01202122 | 6 Aug 2021 | Wording |
| Involuntary betterment/technological advancements/obsolete equipment clause | IRDAN144RP0031V01202021/A0009V01202223 | 21 Apr 2022 | Wording |
| Key Replacement | IRDAN144RP0003V02201112/A0040V01202122 | 9 Aug 2021 | Wording |
| Key Replacement--Add on cover for commercial vehicle | IRDAN144A0005V01201718 | 20 Oct 2017 | Wording |
| Loss of Income | IRDAN144RP0003V02201112/A0039V01202122 | 9 Aug 2021 | Wording |
| Loss of Income---Add on cover for commercial vehicle | IRDAN144A0006V01201718 | 20 Oct 2017 | Wording |
| Loss of Personal Belongings | IRDAN144RP0005V03201112/A0009V01202122 | 6 Aug 2021 | Wording |
| Protection of NCB | IRDAN144RP0002V02201112/A0043V01202122 | 9 Aug 2021 | Wording |
| Protection of NCB | IRDAN144RP0003V02201112/A0032V01202122 | 9 Aug 2021 | Wording |
| Protection of NCB | IRDAN144RP0005V03201112/A0006V01202122 | 6 Aug 2021 | Wording |
| Protection of NCB--Add on cover under LTTW | IRDAN144A0004V01201718 | 20 Oct 2017 | Wording |
| Return to Invoice | IRDAN144RP0002V02201112/A0042V01202122 | 9 Aug 2021 | Wording |
| Return to Invoice | IRDAN144RP0003V02201112/A0031V01202122 | 9 Aug 2021 | Wording |
| Return to Invoice--Add on cover under LTTW | IRDAN144A0002V01201718 | 20 Oct 2017 | Wording |
| Return to Invoice--Add on covers for private car | IRDAN144A0009V01201718 | 27 Oct 2017 | Wording |
| SBI General Bharat Laghu Udyam Suraksha - Adequacy of Sum Insured | IRDAN144RP0030V01202021/A0004V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Laghu Udyam Suraksha - Deterioration of Stocks | IRDAN144RP0030V01202021/A0002V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Laghu Udyam Suraksha - EMI Protection cover | IRDAN144RP0030V01202021/A0005V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Laghu Udyam Suraksha - Leakage and Contamination Cover | IRDAN144RP0030V01202021/A0003V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Laghu Udyam Suraksha -Accidental Damage Cover Clause | IRDAN144RP0030V01202021/A0003V01202122 | 12 Jul 2021 | Wording |
| SBI General Bharat Laghu Udyam Suraksha -Involuntary betterment/technological advancements clause | IRDAN144RP0030V01202021/A0004V01202122 | 12 Jul 2021 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha - Adequacy of Sum Insured | IRDAN144RP0031V01202021/A0008V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha - Deterioration of Stocks | IRDAN144RP0031V01202021/A0007V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha - EMI Protection cover | IRDAN144RP0031V01202021/A0011V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha - Leakage and Contamination Cover | IRDAN144RP0031V01202021/A0010V01202223 | 21 Apr 2022 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha -Accidental Damage Cover Clause | IRDAN144RP0031V01202021/A0001V01202122 | 7 Jul 2021 | Wording |
| SBI General Bharat Sookshma Udyam Suraksha -Impact damage by insured’s own vehicle | IRDAN144RP0031V01202021/A0002V01202122 | 7 Jul 2021 | Wording |
| SBI General Insurance Bharat Griha Raksha -Accidental Damage Cover – General Contents | IRDAN144RP0032V01202021/A0018V01202122 | 9 Aug 2021 | Wording |
| SBI General Insurance Bharat Griha Raksha -Temporary Resettlement Expenses | IRDAN144RP0032V01202021/A0019V01202122 | 9 Aug 2021 | Wording |
| SBIGeneralBharatLaghuUdyamSuraksha - Loss of RentandAdditionalExpensesofRent foranAlternatePremises | IRDAN144RP0030V01202021/A0006V01202223 | 21 Apr 2022 | Wording |
| Tyre & Rim Guard--Add on covers for private car | IRDAN144A0010V01201718 | 27 Oct 2017 | Wording |
Names in the register
IRDAI registration number 144. Filed as: SBI General Insurance Company Limited; SBI General Insurance Co.Ltd; SBI General Insurance Co. Ltd.; SBI General Insurance Co. Ltd. Its claim settlement, solvency and market share figures: SBI General profile.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find SBI General policy wordings?
Above: every SBI General product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many SBI General general insurance products are in IRDAI's register?
22 products and 88 add-ons, approved 2016 to 2022.
Which lines of cover does SBI General file most?
By number of products in the register: motor 15, shop, office, home and business packages 4, crop and rural 2, liability 1.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.
Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.