Royal Sundaram Car Insurance

Royal Sundaram car insurance provides financial coverage to the policyholder that caters to the insurance requirements of a car in case of an unforeseen mishap. It 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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51 lakh+ Cars insured

Compare & Save upto 85%* on Car Insurance

Cashless garages3300

Plans starting @₹ 2094

Claim settlement ratio

Claim settlement ratio 98.6%

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

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
Incurred claim ratio 87.89%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 3868
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 3868 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:

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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*
Car Insurance
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
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Roadside Assistance Cover
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Return To Invoice
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Multi-Year Car Insurance
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Engine Protection Cover
Car Insurance
Personal Possessions Cover
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Voluntary Deductible in Car Insurance
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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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Average Rating
(Based on 66 Reviews)
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Royal Sundaram Car Insurance Reviews & Ratings
4.4 / 5 (Based on 66 Reviews)
(Showing Newest 10 reviews)
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.
Dabhoi, March 04, 2021
No claim bonus certificate
A no claim bonus certificate is really important and I got it from policybazaar. Last I didn’t claimed from them and I was having a royal sundaram car insurance plan. I bought the car in the year 2019. My no claim bonus was given to me 2 days back. I found it very quick. Thanks team.
Fakirpur, March 04, 2021
Dedicated customer care executive
I have been given the customer care executive for my work. My claim was settled by the help of him only. He helped me to settle for my claim. Even my car was fixed by the network garage which was informed by the customer care of policybazaar. I was having the royal sunadram car insurance plan. Thanks team.
R.k.nagar, March 02, 2021
Efficient team
The policybazaar team is really effective and efficient in nature. I had bought a car insurance plan for my Hyundai i10. It was from royal sundaram. Much effective and best plan I have got.
Habra, March 01, 2021
Third party coverage
I had took a third party coverage plan when I bought a car insurance policy from the policybazaar. The plan is great for me and for my car and also for third party person too. It is really nice and have helped me a lot. Thanks team.