Most Trusted Car Insurance
Royal Sundaram Car Insurance
Royal Sundaram car insurance provides financial coverage to the policyholder in case their car meets with an unforeseen mishap such as an accident, theft, etc. This policy is offered by Royal Sundaram General Insurance Co. Ltd., which is the first insurance company to introduce concepts like cashless claims processes and in-house Motor Assessors (IMAs).
About Royal Sundaram General Insurance Company
Royal Sundaram General Insurance Co. Ltd. is the first private-sector general insurance company that provides customised insurance solutions to meet the divergent needs of individuals, families, and businesses. The insurance company is a joint venture between Sundaram Finance and Ageas Insurance International N.V.
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
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs. 15 Lakhs
Network Garages
3,300
No Claim Bonus
Yes
No. of Zero Dep Claims
Unlimited times up to IDV
No. of Comprehensive Claims
Unlimited
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 3,300 Royal Sundaram cashless garages.
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 the M-Chatra App.
Speedy authorisation of repairs to get the car back on the 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:
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.
Standalone Motor Own Damage Policy
A Royal Sundaram standalone 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.
Standalone own damage car insurance policy does not cover third-party liabilities; therefore, it needs to be purchased along with a liability-only policy.
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.
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
What is Covered?
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.
What is not Covered?
Breakdown
Damages sustained by the insured car due to mechanical or electrical breakdown
Invalid Driving Licence
Damage caused by a person driving the car without a valid driving licence
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
Depreciation Waiver Cover
Any depreciation sustained by the insured vehicle is not covered under standard four-wheeler insurance. Depreciation 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.
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 subsequent year. Any repair under this add-on will not be counted as a claim.
Voluntary Deductible Cover
With the help of a voluntary deductible cover, a policyholder can reduce the insurance premium by 15-35% by agreeing to pay a voluntary deductible amount during claim settlement. The rest of the claim amount will be paid by the insurer.
Spare Car Clause
Under this add-on cover, a policyholder can get a conveyance or transport allowance on a daily basis on the hired car if the insured car breaks down and needs repair.
How to Renew a Royal Sundaram Car Insurance Policy?
Follow the below-mentioned steps for Royal Sundaram car insurance renewal:
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 the claim intimation to estimate the damages sustained by the car.
Documents Verification:
All the required documents will be verified by the surveyor. Make sure to keep all the relevant documents handy 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:
Car Insurance for Popular Brands in India
FAQs - Royal Sundaram Car Insurance
-
Why should I buy Royal Sundaram's comprehensive car insurance when the law mandates only third-party insurance?
Third-party insurance only covers your liabilities towards other people on the road. However, with comprehensive car insurance from Royal Sundaram, you are also protected against loss or damage to your own car. -
I plan to add a CNG/LPG kit in my car. Will it be covered by Royal Sundaram car insurance?
Yes, it will be covered under a comprehensive car insurance plan, provided the LPG/CNG is endorsed in your Registration Certificate (RC) book by the RTO (Road Transport Office). -
What are the discounts offered by Royal Sundaram car insurance?
With Royal Sundaram car insurance, you can get premium discounts by choosing a voluntary deductible, becoming a member of the Automobile Association of India, installing ARAI-approved anti-theft devices, and availing No Claim Bonus rewards. -
What factors decide my Royal Sundaram car insurance premium?
The premium for your Royal Sundaram car insurance depends mainly on your car's age, IDV, engine capacity, and registration area. -
How can I get a Royal Sundaram car insurance policy download?
You can get a soft copy of your Royal Sundaram car insurance policy from the insurer's official website. If you have purchased a policy from us, you can get a download by logging into your Policybazaar account. -
What is the voluntary deductible in Royal Sundaram car insurance? How does it help me
At the time of a claim, if you want to bear the portion of a claim amount, you can do it by opting for a voluntary deductible. By bearing a portion of the claim, you are entitled to get a discount of 15%-35% on your car insurance premium. -
What is the procedure for cancelling Royal Sundaram car insurance?
You can cancel your Royal Sundaram car insurance within the free-lookout period by informing the insurer. The insurer will then start the cancellation process or guide you through it. It will take up to 7 to 15 days to cancel the policy.
Explore more plans by car model
Royal Sundaram Car Insurance Reviews & Ratings
Car Insurance Articles
- Recent Article
- Popular Articles
Are Both Car Keys Required to Claim Car Insurance?
No, you do not always need both car keys to raise a claim under
Read more
Can You Raise a Car Insurance Claim If a Tree...
Yes, you can raise a claim under your car insurance if a tree
Read more
Does Parking Location Affect Your Car Insurance...
Yes, your parking location can influence your car insurance
Read more
GST Input on Car Insurance: Eligibility and Rules
If you pay GST on your car insurance premium, you may wonder if
Read more
EV Insurance Claim Process in India
Filing an Electric Vehicle (EV) insurance claim is similar to that
Read more
#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
