Royal Sundaram Car Insurance

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Royal Sundaram Car Insurance
  • 3300 Cashless garages

  • 98.6% Claim settlement ratio

  • Claims assured
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      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).

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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 customised 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 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. 
      • 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 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:

      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 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.

      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 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.

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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 subsequent year.

      Any repair under this add-on will not be counted as a claim.

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      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.

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      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.

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      Loss of Baggage Cover

      Coverage is given under the loss of baggage cover in case of loss or damage caused to the baggage, which was kept in the insured vehicle.

      In case you have made a claim for baggage loss without making own damage claim, the NCB will not get affected.

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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.

      This additional cover is applicable for vehicles up to 3 years of age.

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      NCB Protector Cover

      The NCB Protector 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

      The Key Replacement cover will provide compensation for the repair or replacement of lost,

      broken or stolen keys of the insured car in case of theft or loss.

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      Tyre Cover

      The tyre 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.

      Read more
      View more Add-ons

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      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, select the “Car Insurance” tab from the homepage

      Step 2: Enter your car number on the given form

      Step 3: Select your car details like RTO make, model and variant

      Step 4: 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.

      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



      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:

      • Duly filled and signed claim form 
      • Copy of Registration Certificate
      • Copy of Police FIR
      • Copy of Driving License 
      • Original bill along with satisfaction voucher
      • Estimate of repairs
      • Repair bills

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      Average Rating
      (Based on 70 Reviews)
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      Royal Sundaram Car Insurance Reviews & Ratings

      4.4 / 5 (Based on 70 Reviews)
      (Showing Newest 10 reviews)
      Delhi, March 04, 2024
      Helping Customer Support
      Wanted to purchase a comprehensive policy for my Tata Tiago car but was confused on what insurer I should go with. There are so many available on the internet. Stumbled upon Policybazaar and tried comparing plans. Also contacted their customer support for their help and they were kind enough to answer all my questions patiently. Purchased a Royal Sundaram car insurance plan for my car and am satisfied so far.
      Saharanpur, February 09, 2024
      Totally transparent
      I bought a second car and wanted to cover it with a comprehensive car insurance policy. Since I knew dealers are not that trustworthy, this time I decided to compare plans myself online and purchase online as well. Dealers dont tell you price break up and you end up paying a lot higher as I did the same with my last car. I compared plans at policybazaar and was happy to see that they give a complete breakdown of the premium. So I knew the price of every addon (zero dep and engine cover) separately. Got a Royal Sundaram plan after proper comparison for my Mahindra XUV 700 and was satisfied with the purchase as it was totally transparent.
      Guna, January 30, 2024
      Cooperative team
      I compared lot of plan features and price in a while and finally I bought third party insurance policy of royal sundaram car insurance for my Renault Duster 2015 model. Their team was so cooperative and knowledgeable.
      Merrut, January 08, 2024
      Claiming is easy
      Purchasing a Royal sundaram (own damage) car insurance plan through policybazaar a few months back, on my Tata Nexon was one of my best decisions. My car got severely damaged due to an accident and when I applied for claim, I got it repaired within a few days. I highly recommended it.
      Ludhiana, August 27, 2021
      No claim bonus
      I have been using Royal Sundaram Car Insurance since 3 years which i have taken from Policy bazaar and I have got no-claim bonus during the renewal time. When i was renewing my plan, i got a discount in the form of a no-claim bonus.
      Gurgaon, August 20, 2021
      Smooth procedure
      I have never bought a policy, so I consulted my 2-3 colleagues and on their advice, I came to the policy bazaar and bought Royal sundaram car insurance plan. everything has been smooth whether it is payment procedure or buying procedure.
      Srikakulam, August 18, 2021
      Great features provided
      i take my every plan from the policy bazaar i just bought a new car and done my car insurance from Royal sundaram car insurance through policy bazaar.i am happy with features provided under my plan.
      Dabugam, April 30, 2021
      Add on covers
      Recently I bought a royal sundaram car insurance plan for my Honda city car. I added some of the add on covers under it. These add on covers are best and I took the personal accident cover. I bought the plan 2 months back. Thanks team.
      Dabhoi, March 17, 2021
      Best plans
      I have recently bought a royal sundaram car insurance policy from the policybazaar. I really like the plan and it was under my budget. I bought this plan for my Hyundai Creta car. I am happy to be a part of policybazaar and absolutely like to my car plan from here only. Thanks team.
      R.g.pur, March 05, 2021
      Beneficial plan
      I got the royal sundaram car insurance plan from the policybazaar. It was for my Hyundai Xing car. I bought this plan in the year 2017 and still continuing it. Really nice.

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      #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.

      ##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.

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