Royal Sundaram Third-Party Car Insurance

Royal Sundaram Third-Party Car insurance is a type of car insurance policy offered by the Royal Sundaram General Insurance Company. Under this type of car insurance policy, you get coverage against any third-party liabilities that may arise out of an accident by your insured car.

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The Royal Sundaram Third-Party insurance policy provides compensation for injuries made to a third-party person on a road accident, damage caused to third-party property, and unlimited liability cover in the situation of death to a third-party in an accident by the insured car. Here, damage to any third-party property is covered for up to Rs.7.5 lakh and there is no cap on the compensation amount when death or bodily injuries incurs to a third-party person.

Benefits of Buying Royal Sundaram Third-Party Car Insurance

Mentioned below are some of the benefits of purchasing a third-party car insurance policy offered by Royal Sundaram Car Insurance:

  • Mandatory by Law: It is mandatory to buy at least a third-party car insurance policy before plying your vehicle on Indian roads.
  • Affordable Premiums: Buying third-party car insurance is a basic necessity when you are driving it on the roads of India. Therefore, the premium of this type of car insurance policy is very affordable. The Insurance Regulatory and Development Authority of India (IRDAI) fixes and reviews the premium of a third-party vehicle insurance policy every fiscal year.
  • No Financial Burden: An accident by your car can not only disrupt you emotionally, but it can also put a strain on your finances. A basic third-party car insurance policy takes care of all the liabilities related to a third-party when the damage to them is done by your car. Therefore, it provides some financial relief.

Inclusions of Royal Sundaram Third-Party Car Insurance

The Royal Sundaram third-party car insurance policy provides the following coverage:

  • It provides damage cover of up to Rs. 7.5 lakhs for the damage of third-party.
  • Unlimited liability coverage is provided in case of death or bodily injury to a third-party in an accident by the insured car. The court of law decides the amount of compensation in this case.

Exclusions of Royal Sundaram Third-Party Car Insurance

The Royal Sundaram third-party car insurance policy provides the following coverage:

  • Own Vehicle Damage: Damages that are caused to your insured car in an accident on road.
  • Bodily Injury to Policyholder: Any bodily injury caused to the policyholder in a road accident is also not covered in a third-party car insurance policy offered by Royal Sundaram Third-Party car insurance plan.
  • Loss/ Damage to Insured Car: Damages or losses incurred to the insured car due to natural calamities or man-made disasters are also not covered in this plan.
  • Car Depreciation: Any depreciation to the insured four-wheeler is not covered in this policy.
  • Add-On Covers: This policy does not offer any add-on covers for expanding the coverage of the Royal Sundaram third-party car insurance policy.
  • Third-Party Liability Outside the Geographical Border: Any loss or damage incurred to the third-party vehicle by the insured car outside the geographical border of the country is not covered.
  • Regular Wear and Tear of the Insured Car: The Royal Sundaram Third-Party Car Insurance policy does not pay for any losses or damages incurred to the insured car due to regular wear and tear.
  • Consequential Losses to Insured Vehicle: It does not provide insurance coverage to the insured car for any consequential losses.
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