Royal Sundaram Car Insurance

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.

• 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.

• 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

• 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).

• 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

• 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

• 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

• 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

• 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.