Royal Sundaram Car Insurance

Royal Sundaram Car Insurance by Royal Sundaram General Insurance Co. Ltd. a renowned name in the Indian insurance industry and the first private sector general insurance company providing customized insurance solutions to meet divergent needs of the individual, family, business. The promoters of the Royal Sundaram Finance- India’s biggest Non Banking Financial Company and Royal Sundaram General Insurance Co. Ltd., the second largest general insurance company in UK follows the practice of innovative products, high class service and ease of claim settlement process. In fact, Royal Sundaram General Insurance Co. Ltd. was the first insurance company to introduce concepts like cashless claims processes, and value add partnerships with top institutions to have an extended market research. 

Royal Sundaram Car Insurance Plans provides some of the unique features and benefits which caters to the requirements of the coverage of the car, one of the most important asset in an individual’s life.
Moreover, Royal Sundaram car insurance plans are compulsory under the Motor Vehicles Act as mandated by law. Each and every car owner should have an car insurance policy which gives the coverage of the third party injury, death or property damage. And hence with a with a Royal Sundaram car insurance plan, one can cover the following:

  • Coverage against theft, accidents, natural calamities for examples floods, earthquakes, fire etc.
  • Paid driver, employees or any unnamed passenger.
  • Personal Accident Plan for Self and Family members.
  • Injury/ Death of any other person caused by oneself.
  • Damage to third party’s car or property.

Royal Sundaram Car Insurance Plan at a Glance

Features

Coverage and Benefits

Third Party Coverage:

Upto 7.5 Lakhs

Incurred claim ratio:

82.15%

Personal Accident Insurance:

Yes

Network Garages:

1800+ network of garages across India

No Claim Bonus

Yes

Why One Should Choose Royal Sundaram Car Insurance Plans?

  • Cashless repair facility available all over India as offered by the best car insurance companies in India.
  • Roadside Assistance for 24x7 is available in case of emergencies due to accidents.
  • Dedicated 24x7 Helpline number for claims.
  • In case of break in insurance, one can avail free vehicle inspection facility and also one can buy the plan within 24 hours.
  • Dedicated Relationship Manager.
  • Fast and speedy authorization of repairs to get the car back on road as quickly as possible.

Car Shield Plan is the name of the Royal Sunadaram Car Insurance Plan which is a comprehensive insurance plan with multiple features and benefits:

  • The fundamental and the most important benefit from Royal Sundaram car insurance plan, This This is the coverage or protection against the financial loss due to the damage which has occurred to oneself and the car.
  • Under Royal Sundaram Car Insurance plan, the company will provide unlimited benefit where the car has damaged third party resulting to their death or injuries which they have claimed.
  • Under this plan, the company will provide Rs 7.5 lakhs where the car has damaged third party’s property.
  • In case of accident, Royal Sundaram car insurance will provide coverage to oneself, driver and the occupants who were present in the car at the time of the accident.
  • One can get 5% discount on the Own Damage Premium or Maximum Rs 200 if he /she is a member of Automobile Association of India.
  • Under this Royal Sundaram Car Insurance Plan, one can avail a discount of Rs 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.
  • This plan allows the transfer of No Claim Bonus ( NCB) from the other company on renewal with Royal Sundaram Car Insurance Plan Online.
  • One can choose for voluntary deductible of Rs 15000/- and get 35% discount on Own Damage Premium with subject to a maximum of Rs 2500/-.

Coverage under Royal Sundaram Car Shield Plan

The coverages under the plan can be classified as Basic Coverage Plan, Additional Coverage Plan and Add on Coverage Plan. Each cover again comes up with certain benefits which can be summarized as below:

Basic Coverage Plans by Royal Sundaram Car Insurance 

The Basic Royal Sundaram car insurance includes the following coverage:

  • Loss or Damage to the car: This plan covers the car from any natural calamities or man made calamities which includes the following
    • Fire & Explosion
    • Accidental & External Damage
    • Riot & Strike
    • Burglary, housebreaking/ Theft
    • Earthquake
    • Flood and Storm
    • Terrorism
    • Malicious Act
    • Landslide

Things which are not covered are war and tear, depreciation, mechanical / electrical breakdown, damage caused by a person driving the car without a valid driving license, damage caused by a person driving the car after consumption of alcohol

  • Liability to third parties: The third party liability plan covers the following:
    • Legal protection for damage to third party property.
    • Legal protection for death or injury from third party.
    • Legal costs and expenses.

Things which are not covered are costs and expenses incurred without prior written approval, damage to the personal property.

  • Personal Accident Cover: Under this Royal Sundaram Car Insurance plan, the company provides the coverage for the owner/ driver / co driver driving in the insured vehicle for an amount of Rs 2 lakhs.
  • Discount on basic coverage premium: 
    • One can get 5% discount on the Own Damage Premium or Maximum Rs 200 if he /she is a member of Automobile Association of India.
    • Under this plan, one can avail a discount of Rs 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.
    • One can choose for voluntary deductible of Rs 15000/- and get 35% discount on Own Damage Premium with subject to a maximum of Rs 2500/-.

Additional Car Coverage by Royal Sundaram Car Insurance Plan

Other than the above mentioned covers, Royal Sundaram car insurance also provides some additional covers at minimum cost under the plans which are as under:

  • It provides legal liability for the paid driver and the employees of the insured individual who might drive that car.
  • Personal Accident Cover for unnamed passenger and paid driver for a maximum of Rs 2 lakhs per person.
  • A detailed cover for electrical/ Electronic/ Non Electrical Fittings in the car
  • Coverage for CNG kit and Bi-Fuel System which are certified in the Registration Copy( RC) book of the vehicle.

Add On Coverage Plans in Royal Sundaram Car Insurance

To enhance the protection for the car and to provide some more unique benefits to the car insurance plans, Royal Sundaram car insurance provides 8 add on coverage plans which are:

  • Depreciation Waiver Cover Plan: It ensures that one gets the full amount that he claims without any deduction of the depreciation value on parts of the car.
  • Windshield Glass Cover Plan: Under this plan, repair or replacement of front or/ and rear windshield glass of the insured vehicle can be done that too without affecting the No Claim Bonus for the next subsequent year.
  • Voluntary Deductible Cover Plan: One can reduce the insurance premium by 15-35% by agreeing to a voluntary deductible amount.
  • Full Invoice Price Insurance Cover: One can insured his vehicle to the tune of 100% of its listed price. 
  • Spare Car Clause Plan: It means one can get conveyance or transport allowance on a daily basis on hired car if the insured car breaks down and needs repair.
  • Loss of Baggage cover: Coverage given in case of loss or damage caused to the baggage which was kept in the vehicle.
  • Engine Protector Coverage : The engine remains fully protected under this plan specially in monsoon.
  • NCB Protector Plan: One can avail a discount of 20%-50% for zero insurance claims in the previous year.

How to claim for Royal Sundaram Car Insurance Plans:

One needs to call at the helpline number or write to customer[dot]services@royalsundaram[dot]in and the process involve very simple few steps:

  • Claim should be informed to Royal Sundaram car insurance immediately after the incident.
  • One should not do any repair before survey of the vehicle.
  • 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.
  • The original Registration Certificate and the Driving License needs to be submitted.
  • The claim form duly signed and properly filled needs to be submitted to the Repairer/ Surveyor. And for company owned vehicles, company seal with authorized person’s signature should be obtained in the claim form. 
  • In case of third party injury/ death/ property damage, FIR needs to be filed.
  • Cashless facility will be arranged.
  • If need be, vehicle to be produced for re-inspection upon completion of repair works based on Surveyors instruction. 
  • For non cash claims, original cash bill or invoice with cash receipt is needed for processing of the claim.
  • Additionally, the following needs to be submitted while intimating a claim which are: 
    • Policy Number
    • Contact Number 
    • Name of the Insured person
    • Date & time of incident
    • Vehicle number
    • Model
    • Location of loss
    • Nature of accident
    • Name of the Driver
    • Place and contact details of the insured person if the person intimating the claim is not insured.

Key Benefits of Applying Royal Sundaram Car Insurance Plans Online

The prime benefits which are there under the car insurance plans offered by the company are:

  • Time saving: Insured person don’t have to spend their precious time and effort in travelling from one place to the other. The policy can be done instantly.
  • Simple process: It involves 3 simple steps which are filling the online form, calculating the premium and making the payment online.
  • Minimum Documents: Only the minimum required documents needs to be provided and not many documents.
  • Flexible payment options: One has the option of making the payment by choosing from various mode of payments.
  • Online assistance: Online service assistance can be obtained for all queries on the car insurance plans.
  • Special discounts: Special discounts can be obtained when one applies online.

Benefits of Renewing Royal Sundaram Car Insurance Plans

  • Renew Existing plan from any Insurer : One can renew his existing plan using Royal Sundaram car insurance online facility for buying. Previous policy details and the registration details of the car needs to be mentioned. Additionally, the No Claim Bonus also can be transferred from the previous policy.
  • Renew Lapsed Car Plan: If due to any unavoidable reason the Royal Sundaram car insurance plan expire and one is unable to renew, then the company renders help to renew the lapse policy as well through the following steps:
    • Online representative will arrange for a free vehicle inspection at one’s doorstep after the calculation of the premium and getting a quote.
    • The company will notify or intimate thereafter.
    • Within 24 hours of inspection one can buy the plan. However one important point here is to note that only 24 hours is available to buy the Royal Sundaram Car insurance plan online as the vehicle inspection report is valid for only 24 hours.
  • Renew Royal Sundaram Car Plan : InstaRenew facility can be used to renew the car insurance plans done with the company. The Policy Number and expiry date needs to be filled in post which the payment needs to be done. 
    • Type MRENEW< space> POLICY NO and the same to be send to 9230005727
    • In case of claim also, one can notify through SMS, Type MCLAIMS< space> POLICY NO and the same to be send to 9230005727
    • The response will be given within one business day / working day for all above cases.

Royal Sundaram Commercial Vehicle Insurance Plans by Royal Sundaram:

Royal Sundaram car insurance also provides coverage for Commercial Vehicle upto 7 seater when involved in an accident. The main benefits of the plans can be summarized as follows:

  • Coverage of loss or damage to the insured vehicle caused by accident.
  • Coverage of loss or damage to the insured vehicle caused by any one of the following:
    • Burglary, theft or house breaking.
    • Fire explosion, lightning or self ignition.
    • Riot, terrorist activity, strike, malicious acts.
    • Natural Calamities like Earthquake (Fire and Shock damage), storm, flood, landslides.
    • Whilst in Transport by air, rail waterways or elevator.
    • Third party liability due to Death or bodily injury to any person due to the insured vehicle.
    • Damage to the third party’s property by the insured vehicle.
  • One can go for optional for Personal Accident Coverage which covers death, permanent total disability to the tune of maximum Rs 2 lakhs. 

How to claim for Royal Sundaram Car Insurance?

  • The claim process involves very simple few steps:
  • Claim should be informed to Royal Sundaram Car Insurance company immediately after the incident.
  • One should not do any repair before survey of the vehicle.
  • 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.
  • The original Registration Certificate and the Driving License needs to be submitted.
  • The claim form duly signed and properly filled needs to be submitted to the Repairer/ Surveyor. And for company owned vehicles, Royal Sundaram car insurance seal with authorized person’s signature should be obtained in the claim form. 
  • In case of third party injury/ death/ property damage, FIR needs to be filed.
  • Cashless facility will be arranged.
  • If need be, vehicle to be produced for re-inspection upon completion of repair works based on Surveyors instruction. 
  • For non cash claims, original cash bill or invoice with cash receipt is needed for processing of the claim.
  • Additionally, the following needs to be submitted while intimating a claim which are: 
    • Policy Number
    • Contact Number 
    • Name of the Insured person
    • Date & time of incident
    • Vehicle number
    • Model
    • Location of loss
    • Nature of accident
    • Name of the Driver
    • Place and contact details of the insured person if the person intimating the claim is not insured.

Royal Sundaram Car Insurance - FAQs

  • 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.
Written By: PolicyBazaar - Updated: 12 October 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 49 Reviews)
Royal Sundaram Car Insurance Reviews & Ratings
4.4 / 5 (Based on 49 Reviews)
(Showing Newest 25 reviews)
Nisha
Machalisahar, August 27, 2020
24*7 assistance
The royal sundaram team is available to its customer for 24*7. They are always. I faced a technical problem into my mobile application and when I complaint to the team it was resolved in few hours. Thank you team.
Nimisha
Maanikpur, August 27, 2020
Cashless facility available
I have taken the car insurance policy from the policybazaar and royal sundaram. I avail the cashless services from the network garage of the royal sundaram. I really don’t have to pay the cash and all was done on online basis. That’s a good point of the royal sundaram assistance. Thank you so much team.
Freya
Wadhwan, August 26, 2020
Coverage against man made
My car insurance plan which I got it from royal sundaram is superb as its speciality is to save my car from the man-made calamities such as theft, loss of car, curfew, strikes and the riots. It is indeed a nice plan for me and my car and I will suggest it to everyone. Thanks Royal sundaram.
Falguni
Adapada, August 26, 2020
Save a lot more money
While in getting in touch with the customer care of royal sundaram I got to know about various car insurance plans and the policies. They gave me a lot many varieties and choices to choose the best plan for my car and with their help I chose the best. I save a lot more money while I got the policy done from royal sundaram. Thank you so much team.
Yamini
Nabadwip, August 21, 2020
Great team support
It is really amazing to get the best customer care team support from the royal sundaram and they are very much efficient in nature. They always understand the problem like I was facing the issue related to my policy issuance and it was resolved within few hours. Thank you team policybazaar and royal sundaram.
Saksham
Kadipur, July 30, 2020
Easy policy buying
I have taken the car insurance policy from royal sundaram. It is very much easy to buy the policy from them as they are quite good. The moment I bought the car plan and paid the money and after 15 minutes I got my soft copy of my car insurance. Thank you team royal sundaram.
Jeevan
Uchchhal, July 29, 2020
Legal and financial assistance
My car insurance policy which I took from royal sundaram car policy. It really helped me legally and financially. At the time of claim the company helped in various forms. I am really happy with their services at each and every point of time. It also pays the legal liability to the driver who might drive the car. Thank you team.
Karan
J.n.prasad, July 28, 2020
Fast and quick work
The work and the services provided by the royal sundaram is at par best and the quality is wonderful. My car was sent to the network garage and it was repaired in next 4 days with proper facilities. It was so quick and speedy and I really got impressed with their best work. The claim amount was received in next 3-4 days and I didn’t faced any problem to getting the same.
Ankur
G.mahisani, July 27, 2020
All time services available
I have taken the car insurance policy from royal sundaram. The services provided by them are best and I really like it. If I face any kind of issue then I can contact the customer care at any point of time. They are easily available to their customer for the 24*7 assistance. Great work team.
Piya
R.k.nagar, July 24, 2020
Personal accident plan
I took the car insurance policy from the royal sundaram. It is a nice plan which I got and along with the car insurance plan I bought the personal accident cover for myself as it was quite convenient and helpful to me. Thank you team policybazaar and royal sundaram.
Ravi
Tadpatri, July 23, 2020
Fast work
I recently got my car insurance policy from Royal Sundaram and I found out that the working of them is very good. Like I got my soft copy of the policy in next 30 minutes. And within 3-5 working days as told by them I got my hard copy of the policy. They are super-fast and good at work. Nice work.
Adit
Valasana, July 22, 2020
You get a relationship manager
When you are planning to take the car insurance policy. The royal sundaram team helps you in providing with the dedicated relationship manager for your assistance. He really helps you in understanding things in a better way and also provides you with better things. Kudos to team work.
Lavika
Hamirpur, July 21, 2020
24*7 helpline
I chose the Royal sundaram because they provided me with the 24*7 assistance. It is good that customer care service people are there to help you out in certain things and resolves your problem at the utmost way. Whenever I had some issue into my policy I contacted the team and they helped me a lot. Thanks team.
Jimmy
Vadnagar, July 20, 2020
Helps financially
It is very important to get the car insurance policy. So, I took it from Royal sundaram as many people suggested me for the same. It helps me financially at the time of claim and other things like accident, theft, losses etc. I would definitely suggest people to get the car insurance done.
Sanyam
Aul, July 17, 2020
Compare it easily
I really love the concept of comparing and buying the product. So, I hop into the website of the policybazaar and checked for the various car plans. I got to know about Royal sundaram and it was the ultimate plan with great safety features and less premium rates. It was indeed a nice plan. Thanks a lot team.
Vinay
Jamshedpur, April 12, 2017
Broken rear bumper
I had purchased a Royal Sundaram car insurance cover 10 months ago and filed a claim with last month after an auto rickshaw hitting the rear of my car. I have received 60% of the cost spent in the makeover
Uday
Dehradun, April 12, 2017
Successfully claimed damage loss due to Royal Sundaram Car Insurance
Claim settlement is easy and fast paced thanks to their online portal which is easy to follow and navigate. I wondered if I will recover insurance claim due to accident of my car but I think Royal Sundaram car insurance plan genuinely addresses concerns.
Naveen
Amritsar, April 11, 2017
Windshield got damaged
I bought Royal Sundaram's Car Insurance Plan for my new Maruti Baleno 3 months ago. There was a crack in the front windshield due to minor accident. But due to the cover it saved me Rs. 10000 and on top of that my no claim bonus is still intact.
Sahil
Panipat, April 11, 2017
Royal Sundaram Car Insurance is a great policy cover
Happy that I got bonus rebate as I didn't claim anything. The important part is the third party liability which is comprehensively taken care of by Royal Sundaram Insurance. Need to be better at customer calling though..but overall satisfying
MAHESH
Vyara, March 15, 2017
POLICY RENEWAL SERVICE
Thanks to Ms. Jyothi Kaur for good guidance and services for renewing of insurance policy.
Gokul
Chennai, February 07, 2017
nice insurance
Good and nice insurance... U get car then please select royal sundaram insurance policy.. It's really quick response...
Rijul
Gwalior, October 10, 2016
Royal Sundaram Insurance Policy
Royal sundaram general insurance company is very good insurers, I purchased car insurance plan in low investments. Policy premium is also less and returns are really very big. Service is superb no doubt in that, executives are available all time for the customers.
Yashvir
Ooty, October 04, 2016
Car Security
The royal sundaram general insurance is good insurance company. Service is perfect and on time. Coverage is high and claims are easy to sanctioned. Policy renewals is very simple through online portal service. Tow service is also available for each and every area.
Bhavna
Jalore, September 02, 2016
Fantastic Service
My car insurance plan has more features and very good customer service. Policy coverage is high ~89% and claims are easy to cleared due to perfect service given by the company members. Updates are easy to get through website of the company and online renewal is the best service.
Manoj
Indore, August 23, 2016
Car insurance
I have car insurance plan which is the best in all because it has many benefits and main thing is, accidental death benefit is inbuilt in it. Policy coverage and claims are high but premiums are low. Service is fantastic and behaviour of the executives and staff members of the company.