Royal Sundaram Comprehensive Car Insurance

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Royal Sundaram Comprehensive Car Insurance
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      Royal Sundaram Comprehensive Car Insurance

      Comprehensive Car insurance is an extension to motor insurance policies. Under this, there is protection from property damage and third-party liabilities. So, it is more beneficial for the insurer, and one should go for these comprehensive plans over the motor insurance plan.

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      The Comprehensive Car Insurance by Royal Sundaram car insurance provides protection to the policyholder’s car against damages and also, against third-party liabilities. Thus, the owner of the Royal Sundaram comprehensive car insurance will be able to claim compensation in case of third-party legal liabilities and damages to the insured car due to theft, natural calamity, or a road mishap.  

      This plan also can have additional add-on benefits such as windshield glass cover, zero depreciation cover, etc. Apart from these, it also helps during emergencies such as free flat tire services, roadside breakdowns, and free fuel delivery.

      Benefits of Royal Sundaram Comprehensive Car Insurance

      Some of the benefits that one can enjoy when buying the Royal sundaram comprehensive car insurance are:

      • Third-party Protection: Third party insurance plan provides legal and financial help to deal with the third party in case of any accidents.
      • Personal Property Damage Compensation: The plan will also ensure the owner's car and will compensate against any damage to the property.
      • Add-ons: The insured can also benefit from various add-on covers. There is also coverage available against legal liabilities for the hired driver. 
      • Cashless Services-The Royal Sundaram comprehensive car insurance also provides the benefit of free emergency services.

      Claim Process of Royal Sundaram Comprehensive Car Insurance

      The following steps make it easy to have a cashless claim of this Comprehensive Car Insurance:

      • Informing the Insurer: the insured needs to immediately notify the insurer about the damage/accident. Contact by:
      • Contacting on 1800-568-9999
      • Sending a TEXT <MOTORCLAIM> to 567675
      • Using the app ‘m-Chatra’
      • Filing for FIR (if needed): In case of third-party injury/death, file an FIR at the closest local police station. Take a copy of the FIR, as it is required for a settlement claim.
      • Towing of the Car: Reach out to the insurer to provide towing services. Repair work in an authorized workshop will result in cashless services. The towing service charge will depend on the distance covered.
      • Surveying and Filing Documentation: The Royal Sundaram comprehensive car insurance provider will send a surveyor to check the damages and decide on the claim amount. After this, the insured will be required to complete the documentation procedure.
      • Repair Work and Settlement: Once done with the paperwork, the repairing will start, and the claim amount will be directly transferred to the garage. This is easier if the garage is authorized by the insurer.

      Royal Sundaram Comprehensive Car Insurance FAQs

      • Q. Is Comprehensive Car insurance cost-effective?

        Ans: Yes, the Royal Sundaram comprehensive car insurance is cost-effective. With this plan, one can get a high claim value against property damage and third-party liabilities.  It will prevent the loss of hefty expenses during mishaps and accidents.

      • Q. How to apply for the Royal Sundaram Comprehensive Car Insurance? 

        Ans: One can apply for the insurance using two ways:

        Online application: visit the official website of Royal Sundaram. For new vehicles, click on ‘Insurance for a new car’. Fill in the details and submit.

        Offline helpline: contact the insurer directly using-

        • New policy number- 022-50061082
        • Toll-free number-1860-425-0000
      • Q. How to cancel the insurance claim?

        Ans: One can easily cancel a claim by getting in touch with the insurer and requesting a cancellation on the claim request. Fill in the forms and submit them. The request will be processed, and the claim will be canceled.

      • Q. What happens if the third-party claim exceeds Rs 7.5 lakh?

        Ans: The IRDAI has set a maximum limit on third-party property damage claims, and that is Rs 7.5 lakh. If the total damage expense exceeds this amount, the remaining will have to be paid by the insured. On the other hand, in the case of the death of the victim, there is no maximum limit on the claim. The compensation will be decided by the Court of Law.

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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.

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