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Royal Sundaram Standalone Own Damage Car Insurance
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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.

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      Key Features of Royal Sundaram Standalone Own Damage Car Insurance

      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

      Coverage Under Royal Sundaram Standalone Own Damage Car Insurance

      • 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 policy.

      Add-ons Under Royal Sundaram Standalone Own Damage Car Insurance

      The standard coverage of a Royal Sundaram car insurance policy 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 (
      • 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 OD car policy 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 policy papers
      • Copy of vehicle’s Registration Certificate
      • Copy of Police FIR
      • Bills of repair 
      • Estimates of repair


      • 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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      #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.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

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