Royal Sundaram Car Insurance Premium Calculator

Royal Sundaram Car Insurance Premium Calculator helps you calculate the amount of insurance premium to be paid on a car insurance policy offered by Royal Sundaram General Insurance Company.

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*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

What is the Royal Sundaram Car Insurance Premium Calculator?

Royal Sundaram car Insurance premium calculator is a free online instrument that calculates

the correct insurance premium amount for your car policy. The premium amount is calculated using details of your car as well as pre-discussed details of your preferred car insurance policy. 

Royal Sundaram car insurance premium calculator is extremely helpful as it helps you choose the most appropriate car insurance policy by comparing several plans in India.

How does the Royal Sundaram Car Insurance Premium Calculator Work?

The premium amount is calculated using a variety of factors including the year of manufacture, make and the variant of the car, type of fuel used, engine capacity, and the status of the no claim bonus status. The type of car insurance policy purchased also carries different premium costs. A comprehensive car insurance policy carries a higher insurance premium whereas third-party car insurance will carry a comparatively lower premium to be paid.

Alongside this, Royal Sundaram Car Insurance Company offers you to opt for enhanced coverage with the car insurance policy with add-on covers that affect the premium amount as well. Some examples include Zero Depreciation Cover, Roadside Assistance Cover, and Engine Protection Cover.  

Hence, Royal Sundaram car insurance premium calculator combines all these factors to calculate the correct premium you would have to pay for your car insurance so that you can find the most appropriate policy for your requirements. 

Royal Sundaram car insurance premium calculator assesses the amount based on the following formula:

(Own Damage Premium – No Claim Bonus) + Liability Premium

How to use the Royal Sundaram Car Insurance Premium Calculator?

  • Step 1: Visit the official website of Royal Sundaram General Insurance Company and go to the car insurance calculator page
  • Step 2: Fill in the requested details such as the policyholder’s name, address, and contact information
  • Step 3:Select your car and choose its brand, make, model year, and registered location
  • Step 4: Select your preferred car insurance policy 
  • Step 5: Click on ‘Calculate’ and the estimated premium will be calculated on the basis of the provided inputs

Benefits of Royal Sundaram Car Insurance Premium Calculator

  • Finds the correct Insured Declared Value: The car insurance premium calculator helps you know the right Insured Declared Value for your car. The correct IDV will help you fetch the right amount of compensation for your car in case of theft or total damage to the vehicle. 
  • Helps make a judicious decision: With knowledge of the premium cost for various car insurance policies and the Insured Declared Value of the vehicle at hand, you can make a wise decision by choosing appropriately from widely available car insurance policies.
  • Convenient and hassle-free usage:You don’t need to sit with any predefined financial knowledge while using this calculator apart from your vehicle details. Alongside that, since the Royal Sundaram Car Insurance Premium Calculator is available online, you can find the premium for your preferred car insurance policy hassle-free, from the comfort of your home.

Factors Affecting Car Insurance Premium

1. Insured Declared Value (IDV) of the vehicle: TheInsured Declared Value is the current market value of the insured vehicle and the amount which the policyholder would be eligible to claim in the case of theft or total damage to their vehicle. The higher the Insured Declared Value, the higher would the insurance premium be.

2. The engine of the car: The car’s engine not only determines the amount of power the car produces but also how expensive is the car to maintain. The higher the capacity of the engine, the higher the premium will be. 

3. Year of manufacture of the vehicle: The value of a car depreciates with time; hence older vehicles would attract a relatively cheaper premium amount as compared to newly bought cars.

4. City of registration of the vehicle: The premium amount would be higher for vehicles registered in RTOs located in Tier 1 cities as compared to those registered in Tier 2 and Tier 3 cities. 

5. Brand, make, and model of the vehicle: The manufacture’s details including the model type of the car also affect the cost of the premium. A luxury car will cost a higher insurance premium as compared to a daily use vehicle with a lower safety rating.

6. Anti-theft features installed: A car that has anti-theft devices installed for enhanced safety mitigates the risk of the car being stolen, hence attracting a lesser premium amount.

7. Add-on covers:These add-ons are offered in order to provide enhanced coverage for your vehicle. However, these covers not only improve the protection provided by your car insurance policy but also increase the premium amount to be paid.


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