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About Royal Sundaram General Insurance Company
Royal Sundaram General Insurance Co. Ltd. is the first private-sector general insurance company that provides customized insurance solutions to meet the divergent needs of individuals, families, and businesses. The insurance company is owned by Sundaram Finance- one of India’s biggest non-banking financial companies and other Indian shareholders in a 75.9:24.1 ratio.
Royal Sundaram General Insurance Co. Ltd. follows the practice of innovative products, high-class service and ease of claim settlement process. It offers customer-friendly services, including round-the-clock emergency assistance and a digital car inspection process.
Key Features of Royal Sundaram Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 98.6% |
| Personal Accident Insurance | Up to 15 Lakhs |
| Network Garages | 3300 |
| No Claim Bonus | Yes |
Benefits of Royal Sundaram Car Insurance
Royal Sundaram General Insurance Company offers the following benefits to its policyholders:
- Cashless repair facility available in more than 3300 Royal Sundaram cashless garages.
- Royal Sundaram car insurance claim settlement ratio is 98.6%.
- 24x7 roadside assistance is available in case of emergencies due to accidents.
- Free vehicle inspection facility in 20 minutes via M-Inspect App.
- Easy access to all policy details, claim processes and other requests via M-Chatra App.
- Speedy authorization of repairs to get the car back on road as quickly as possible.
Types of Royal Sundaram Car Insurance Policy
Royal Sundaram car insurance offers three types of motor insurance policies. They are:
1. Private Car Liability Only Policy
Under the liability only motor insurance policy, Royal Sundaram General Insurance company will compensate the policyholder in the event of an accident leading to third party liabilities, such as third party property damage, death or injury to the third party.
The policyholder is entitled to a 100% cover in case of death or injury, while in property damage, the cover is limited to up to Rs. 7.5 lakh.
2. Standalone Motor Own Damage Policy
A Royal Sundaram Standalone Motor Own Damage policy provides coverage against damages to the insured car due to events like theft, fire, accident etc. It also covers damages arising due to manmade and natural disasters.
A standalone own damage car insurance policy does not cover third-party liabilities, therefore, it needs to be purchased along with a liability-only policy.
3. Carshield Private Car Package Policy
Under a Carshield Private Car Package policy or comprehensive car insurance, the insurer will compensate against damages to the insured car arising due to road accidents, calamities, theft, fire and third-party liabilities. This policy is an extensive one as it also covers third party liabilities along with damages to the insured car.
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Royal Sundaram Car Insurance Premium Calculator
By using the car insurance premium calculator, you can calculate the premium of your motor insurance policy before buying and check whether it's in your budget or not.
Coverage under royal sundaram car insurance
- Fire & Explosion: Damages sustained by the insured car due to fire, ignition or explosion
- Accidental & External Damage: Damages due to an external accident like a road accident
- Manmade Acts: Damages to the insured car due to manmade acts like riots & strikes
- Theft: Loss or damages due to burglary, housebreaking or theft of the insured car
- Natural Disasters: Damages sustained due to natural calamities like earthquakes, floods, landslides, rockslides, etc.
- Third-Party Damages: Liabilities arising out of third party damages, such as third party death, injury or property damage
- While in-transit: Damages sustained by the insured car during transit via road, waterways, airways, lift, etc.
- Breakdown: Damages sustained by the insured car due to mechanical or electrical breakdown
- Invalid Driving License: Damage caused by a person driving the car without a valid driving license
- Drunk Driving: Damage caused by a person driving the car after consumption of alcohol
- Other Purposes: Damages sustained when the insured private vehicle was used for other purposes, such as for commercial purposes
- Outside Geographical Area: Loss or damage sustained by the insured car outside the area mentioned in the policy documents
Ageing: Gradual wear & tear and depreciation borne by the insured car over time
Royal Sundaram Car Insurance: Add-ons
To enhance the protection of the car and to ensure some more unique benefits under the car insurance policy, Royal Sundaram car insurance provides multiple add-on covers at an additional premium. These add-on covers are:
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Depreciation Waiver Cover
This add-on cover ensures that a policyholder gets the full amount that he/she claims without any deduction of the depreciation value on parts of the car.
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Windshield Glass Cover Plan
Under this add-on cover, repair or replacement of the front or/and rear windshield glass of the insured vehicle can be done without affecting the No Claim Bonus for the next subsequent year.
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Voluntary Deductible Cover
With the help of this cover, a policyholder can reduce the insurance premium by 15-35% by agreeing to pay a voluntary deductible amount during claim settlement.
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Spare Car Clause
Under this add-on cover, a policyholder can get conveyance or transport allowance on a daily basis on the hired car if the insured car breaks down and needs repair.
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Loss of Baggage Cover
Coverage is given under this add-on cover in case of loss or damage caused to the baggage, which was kept in the insured vehicle.
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Aggravation (Damage) Cover Clause
This add-on covers the insured vehicle's engine, gearbox and related internal parts against damages arising due to water ingression and leakage of oil.
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NCB Protector Cover
This cover allows a policyholder to retain a No Claim Bonus discount on Royal Sundaram insurance renewal irrespective of making claims during the previous policy year.
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Key Replacement Cover
This add-on cover will provide compensation for the repair or replacement of lost, broken or stolen keys of the insured car.
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Tyre Cover
This add-on covers the damages sustained by the tyres and tubes of the insured vehicle even if it does not result from an accident.
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Vehicle Replacement Value Plus Cover
In case of a total loss or theft of the insured car, this add-on cover will provide full reimbursement as per the invoice value of the car. It will also cover road tax, registration charges and insurance costs of the policy opted.
Explore add-ons for your car insurance
Plans starting from @ ₹2,094/year*
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Zero Depreciation Car Insurance
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Compulsory Personal Accident Cover
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Bumper to Bumper Insurance
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No Claim Bonus (NCB) in Car Insurance
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Bundled Policy
Car Insurance
Roadside Assistance Cover
Car Insurance
Return To Invoice
Car Insurance
Multi-Year Car Insurance
Car Insurance
Engine Protection Cover
Car Insurance
Personal Possessions Cover
Car Insurance
Voluntary Deductible in Car Insurance
Car Insurance
Key Replacement Cover
Car Insurance
Daily Allowance Cover
Car Insurance
Tyre Protector Cover
Car Insurance
Rim Damage Cover
Car Insurance
Car Accessories Cover
How to File a Claim Under Royal Sundaram Car Insurance?
To file a Royal Sundaram motor insurance claim online, you can follow these steps:
- Claim Intimation: Any mishap of the insured car should be informed to Royal Sundaram General Insurance Company immediately
- Survey: A survey will be arranged upon receipt of claim intimation and thereafter, the submission of detailed estimation of repairs will be obtained from the authorized repairer.
- Documents Verification: All the required documents will be verified by the surveyor. Make sure to keep all the relevant documents with you.
- Claim Settled: The insurance company will settle the claim with the network garage in case of cashless claims. If the repairs have been done in a non-network garage, the company will reimburse you the claim amount after you have paid the bill.
Documents Required to Raise a Claim Under Royal Sundaram Car Insurance
Make sure to keep all the mentioned documents handy while claiming under Royal Sundaram car insurance:
- Duly filled claim form signed by the insured
- Copy of Registration Certificate
- Copy of Police FIR
- Copy of Driving License
- Original bill along with satisfaction voucher
- Estimate of repairs
- Repair bills
How to Renew a Royal Sundaram Car Insurance Policy?
Follow the below-mentioned steps for Royal Sundaram car insurance renewal:
Step 1: On the official website of Policybazaar Insurance Brokers Private Limited, visit the ‘Car Insurance’ page from the ‘Insurance Products’ dropdown.
Step 2: Enter your car number on the given form
Step 3: Fill in your name, email and mobile number and view policy prices
Step 4: Select policy expiry date and previous claim details
Step 5: From the given plans, find the Royal Sundaram car insurance renewal policy and review its details.
Step 6: Add the needed add-on covers to your policy and proceed forward
Step 7: Enter the No Claim Bonus discount, if any
Step 8: Fill in the proposal form and proceed with payment
Step 9: After premium verification, make payment via your desired payment mode
Step 10: Once the payment is done, your Royal Sundaram car insurance renewal will be complete. You will get the renewal policy documents at your registered email id.
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Royal Sundaram Car Insurance - FAQs
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Q. What are the different types of car insurance policies offered by Royal Sundaram car insurance?
Ans: Royal Sundaram car insurance offers the following types of car insurance policies:-- Third bodily injury:- It covers injuries caused to other vehicle or people in an accident, involving your car. However, it doesn’t cover damage caused to your vehicle. It is compulsory to have third party insurance to ply your vehicle on the road.
- Comprehensive car insurance:- Besides offering third party cover, it covers loss or damage caused to your insured vehicle.
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Q. Why should I buy Royal Sundaram’s comprehensive car insurance when the law mandates only third party insurance?
Ans: Accidents can occur at any time even when it is not your fault. But with Royal Sundaram car insurance, you can get a financial protection. With comprehensive car insurance, Royal Sundaram car insurance will protect you against any loss or damage to your car and accessories in case of any unforeseen events:-- Fire, explosion, lightning
- Riot or strike
- Burglary or housebreaking
- Terrorist activity
- Earthquake
- Landslide and rockslide
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Q. I plan to add CNG/LPG kit in my car. Will it be covered Royal Sundaram car insurance?
Ans: Yes, it will be covered provided-- You have a comprehensive car insurance policy
- LPG/CNG is endorsed in your Registration Certificate (RC) book by the RTO (Road Transport Office).
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Q. What are the discounts offered by Royal Sundaram car insurance?
Ans: The following discounts are offered by Royal Sundaram car insurance:-- Voluntary deductible amount
- Automobile Association Discount
- No Claim Bonus
- Discount on Vintage Cars
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Q. What are the factors that decide my Royal Sundaram car insurance premium?
Ans: Your premium of Royal Sundaram car insurance depends upon the following factors:-- Insured’s declared value (IDV)
- Cubic capacity of the vehicle
- Geographical zone
- Age of the vehicle
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Q. Does Royal Sundaram car insurance offer cashless service?
Ans: Yes, Royal Sundaram car insurance offers cashless services at its 3868 network garages across India. -
Q. What are the add-on cover benefits offered by Royal Sundaram car insurance?
Ans: Royal Sundaram car insurance offers the following add on benefits:-- Depreciation waiver cover
- New engine protector
- Windshield glass cover
- Spare car cover
- Full invoice price insurance cover
- Loss of baggage cover
- Voluntary deductible cover
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Q. What is voluntary deductible in Royal Sundaram car insurance? How does it help me?
Ans: At the time of a claim, if you want to bear the portion of a claim amount, you can do it under voluntary deductible. By bearing a portion of the claim, you are entitled to get a discount of 15%-35% in premium on your car insurance. -
Q. What information should I give while filing a claim?
Ans: Make sure to provide the following information at the time of filing a claim:-- Policy number
- Name of insured person
- Contact details of the insured
- Date and time of accident
- Vehicle number
- Make and model
- Location of loss
- Name of driver if the vehicle was driven by person other than the policyholder
- Brief detail of how the accident took place
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Q. What is the procedure to cancel Royal Sundaram car insurance?
Ans: You can cancel your Royal Sundaram car insurance with 7 days notice to us and we will refund the premium, if any. However, the cancellation will be made only after ensuring that you have insured your vehicle elsewhere at least for third-party insurance.
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