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Royal Sundaram Standalone Own Damage Car Insurance

A Royal Sundaram Standalone Own Damage car insurance plan is designed to financially and legally cover your car if it meets an unanticipated incident like fire, theft, collision, etc. This plan by Royal Sundaram General Insurance Company can be purchased at a nominal premium if you already have third-party coverage for your four-wheeler.

Categories	Key Features
Own Damage Cover	Yes
Mandatory	No
No Claim Bonus	Upto 50%
Add-on Covers	Yes
Zero Depreciation cover	Yes
PA Cover	Upto Rs. 15 Lakhs

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Coverage Under Royal Sundaram Standalone Own Damage Car Insurance

Inclusions
Exclusions

Loss to the insured vehicle due to fire, explosion or self-ignition
Losses due to burglary, theft or housebreaking
Damages arising as a result of riots and strikes
Damages arising from natural calamities like earthquakes, cyclones, typhoons, floods, etc.
Damages sustained by the insured car due to road, rail, water or air

Accidental loss or damage sustained by the insured car outside the geographical area
Claims arising out of contractual liability
Any accidental loss sustained by the insured car when the driver was under the influence of alcohol.
Damages sustained by the insured car as a result of civil or nuclear war
Death or bodily injury of a third party, damage to third party property caused due to the insured car
Damages sustained by the insured vehicle when the driver was not carrying a valid driving license are not covered under the OD ff.

Add-ons Under Royal Sundaram Standalone Own Damage Car Insurance

The standard coverage of a Royal Sundaram car insurance can be enhanced by purchasing add-ons offered by the insurance company. These add-ons include:

Depreciation Waiver Cover
Windshield Glass Cover
Loss of Baggage Cover
NCB Protector
Key Replacement Cover
Tyre Cover
Roadside Assistance Cover

How to Buy Royal Sundaram Standalone Own Damage Car Insurance Policy?

Follow the steps mentioned below to purchase Royal Sundaram OD cover online in just a few easy steps:

Visit the official website of Policybazaar Insurance Brokers Private Limited (Policybazaar.com)
Select “Car Insurance” from the homepage of the website
Enter your car number in the given form
Select your car’s RTO, make, model, variant and registration year
From the given own damage motor insurance plans, choose Royal Sundaram OD cover. You can also view Policy details from here itself
Select the desired add-ons from the “Addons and Accessories” dropdown
Now pay the final premium amount using UPI, or net banking
Once you have successfully paid the premium, your own damage insurance documents will be mailed to you.

Documents Required to Raise Royal Sundaram Standalone Own Damage Claim

To raise a Royal Sundaram own damage claim with your insurance company, you will need the following documents:

Duly filled and signed claim form
KYC
Car insurance documents
Copy of vehicle’s Registration Certificate
Copy of Police FIR
Bills of repair
Estimates of repair

FAQs

Q1. How to claim car insurance for Royal Sundaram own damage cover?
Ans: To raise a Royal Sundaram own damage car insurance claim, follow the steps mentioned below:
- Inform the insurance company as soon as your car has met with an unforeseen incident
- The insurance company, upon intimation, will send a surveyor to examine the damages sustained by your car
- Submit the required documents to the surveyor. Once your claim is verified, your car will be sent to a network garage for repairs, and the claim will be settled.
- If the car has been repaired in a non-network garage, the repair amount will be reimbursed to you afterwards.
Q2. Can I calculate own damage premium before purchasing the policy?

Ans: Yes, you can calculate own damage premium for your car with the help of a Car insurance premium calculator. It is an online tool that helps calculate car insurance premium using the car’s make, model, RTO, and other details.
Q3. Is it mandatory to purchase an Own damage insurance for my car?

Ans: No. Purchasing an own damage car insurance policy is not a mandatory requirement as per the motor laws of India. Only third party insurance is compulsory coverage to drive legally in India.
Q4. Is personal accident included in Royal Sundaram own damage cover?

Ans: No. A Royal Sundaram own damage policy does not include personal accident cover. However, a policyholder can purchase this add-on along with their OD car insurance policy by paying a nominal premium.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in