Why Royal Sundaram Can Reject Your Car Insurance Claim?

Royal Sundaram Car Insurance claim process is quite simple and quick. It provides both cashless repairs at more than 3,300 network garages and reimbursement claim settlements. However, there may be certain situations where the Royal Sundaram General Insurance Company may reject your insurance claims. Read on to know the reasons that can lead to claim rejection by the insurance company.

Read more

Get Car Insurance starting at only ₹2072/year*
Save upto 85%
Chose from 20+ insurers
51 lakh+ Cars insured
Other options

Royal Sundaram Car Insurance Policy

Royal Sundaram General Insurance Company offers two major car insurance policies. These are third-party liability and comprehensive motor insurance policy.

The third-party car insurance policy covers any damages caused to a third party's property along with third-party bodily injuries or death during an accident involving the insured car. However, this policy excludes any damages caused to the insured car as well as the injury or death of the car’s owner/driver.

The comprehensive car insurance policy (Car Shield Package Policy) by Royal Sundaram General Insurance Company covers own damages caused to the insured car due to accidents, fire, etc. along with accidental disability and death of the car’s owner-driver. It also covers any third party liability arising out of property damages, injury or death of the third party caused by the insured car.

Reasons For Royal Sundaram Car Insurance Claim Rejection

Third-party insurance cover is mandatory for every car owner in India. But you may opt for comprehensive coverage to also cover the loss or damages arising out of car repairs, theft, etc. However, many car owners do not properly understand every clause mentioned in their policy papers. Such misinterpretations can lead to mistakes that can, sometimes, result in claim rejection by insurance companies.

Here are a few reasons why Royal Sundaram General Insurance Company can reject your four wheeler insurance claim:

1. Failure in Notifying

If you fail to notify the insurance company within 48 hours of the car accident or theft, then they may reject your claim. Thus, you must inform the insurer within the stipulated time.

2. Name Transfer Issues

In case you forget to transfer the name on the insurance policy when buying a used car, it can make the policy null and void. Thus, it may lead to Royal Sundaram claim rejection.

3.  Installation of LPG or CNG Kit

If the installation of LPG or CNG kit is not notified to the insurance company, then Royal Sundaram Car Insurance can reject the claim raised under such a policy. Furthermore, any other modifications not notified to the insurer can also result in claim rejection.

4. Invalid Driving License

For the claim to be processed, you must have a valid driving license at the time of your car accident. Therefore, having a valid driving license is a must to avoid Royal Sundaram claim rejection.

5. Commercial Use of the Car

If you had purchased insurance for the personal use of your car but instead, use it for commercial purposes, then the insurer may reject the insurance claim.

6. Drunk Driving

If you are driving the insured car under the influence of alcohol or drugs, the insurance company can reject your claim if you meet with an accident.

7. Consequential Loss

Any claim arising out of a consequential loss to the car can also be rejected by the insurer. This is because these losses arise as a consequence of your actions and not by any uncertain event. For example, any damage to the engine due to hydrostatic loss during monsoons.

8. Policy Exclusions

Every four wheeler insurance policy comes with some exclusions/risks which are not covered in that policy. For example, a claim arising due to vehicle theft from an unsecured parking lot. If you raise a claim against such exclusions, it can result in Royal Sundaram car insurance claim rejection.

9. Not Reading the Claim Form Carefully

Royal Sundaram Car Insurance has a specific claim form, which you are required to carefully read and understand before raising a claim. If you fail to properly read the claim form and do not provide adequate details in the form, the insurance company can reject your insurance claim.

10. Expired Policy

If your motor insurance policy has expired and you meet with an accident, you cannot claim for the same until you renew your policy. In such situations, the insurance company has the complete right to reject your claim on an expired policy.

Therefore, it is of utmost importance to carefully read every minute detail about the claim process and policy beforehand. In case you miss out on anything, your claim may stand a chance of being rejected by Royal Sundaram General Insurance Company.

How to Claim Car Insurance Without Being Rejected?

Here are some tips that you can follow to raise a Royal Sundaram Car Insurance claim without being rejected:

1. Notify Your Insurer

The most important thing is to inform your insurance company within 48 hours about the incident involving your car. Moreover, follow the claim process thoroughly to avoid any rejection.

2. Inform Before Repairs

In case you are getting your car repaired due to an accident, make sure to intimate your motor insurance provider beforehand. Your insurer may want to perform an inspection before processing the claim. If you fail to inform them, they may reject your insurance claim.

3. Inform About Any Modification

Always intimate your insurance provider about any extra modifications/fittings that you are going to make to your car. This will help you to avoid Royal Sundaram claim rejection in future.

4. Renew Policy on Time

To avoid rejection of your claim, make sure to renew your four-wheeler policy on time. Moreover, it is mandatory to have a valid insurance policy with third party cover for every car owner in India. Thus, do not drive with an expired insurance policy.

5. Read the Policy Terms and Conditions

Before purchasing, read all the terms and conditions of the four-wheeler insurance policy thoroughly. Have a complete understanding of the inclusions and exclusions so that you can avoid any chance of your policy being rejected by the insurer.

Wrapping Up!

Claiming your car policy with Royal Sundaram General Insurance Company is not a complicated process. The company requires you to read its claim form carefully before purchase so that you do not face any rejection issues while making your claim later. You should also follow the above-mentioned tips to avoid your four-wheeler insurance claim being rejected by the insurance company.

Written By: PolicyBazaar - Updated: 14 January 2022
You May Also Like
  • Transferring Car Insurance from One Person to Another

    Transferring Car Insurance from One Person to Another In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming increasingly common for people to purchase second-hand...

    read more
  • 9 Secrets That Your Motor Insurance Provider Won’t Tell You

    9 Secrets That Your Motor Insurance Provider Won’t Tell You Due to the dangerous driving conditions, it is compulsory to have third party insurance for every vehicle plying on Indian roads. It ensures the overall saf...

    read more
  • Money Saving Advice for All Car Owners

    Money Saving Advice for All Car Owners After a dream home, a dream car is your second-largest purchase that you make in your lifetime. But the expense does not cease when you drive off the car dealer's lot. Read mor...

    read more
  • Difference Between Comprehensive Insurance and Third Party Insurance

    Difference Between Comprehensive Insurance and Third Party Insurance Comprehensive insurance is insurance coverage that pays for the repair or replacement of vehicle damages resulting from an incident. Comprehensive ca...

    read more
  • Types of Motor Insurance

    Types of Motor Insurance The word Motor broadly covers a lot of classes of vehicles plying on the roads. These may be two-wheelers like scooters and motorbikes, three-wheelers or four wheelers like private cars, jeeps, ...

    read more

Find similar car insurance quotes by body type

Hatchback Sedan SUV MUV
Car insurance save up to 85
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Calculate your car IDV
IDV of your vehicle
Calculate IDV
Calculate Again

Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

Policybazaar lets you compare premium prices from 20+ Insurers!
Compare Prices

Why buy from Policybazaar?

  • 24x7 Claims Assistance
  • Cashless Assurance
  • 3-Day Repair Assurance
  • Free Pickup & Drop
  • Self Video Claims
  • Windshield Claims At Home
View Plans

Car insurance articles

Recent Articles
Popular Articles
How Can Modifications Impact Your Go Digit Car Insurance Policy?

28 Jan 2022

Who doesn't like modifying their cars according to their desires...
Read more
How to Renew New India Assurance Car Insurance Online?

25 Jan 2022

Buying at least a third-party four-wheeler insurance cover is...
Read more
How to Prevent Reliance Car Insurance Claim Rejection?

24 Jan 2022

No one would ever want to get their car insurance claims rejected...
Read more
Types of Car Insurance Provided by Kotak Mahindra General Insurance

21 Jan 2022

Having valid motor insurance is a mandatory requirement for every...
Read more
Tips to Reduce Your Tata AIG Car Insurance Premium

19 Jan 2022

Planning to buy a Tata AIG car insurance policy but worried about...
Read more
Transferring Car Insurance from One Person to Another
In the current economic climate that encourages consumers to “reduce, reuse and recycle”, it is becoming...
Read more
Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
Insurance offers much-needed financial protection in case of a crisis. When vehicle insurance is mandatory in India...
Read more
How to Check Car Insurance Status Online on Parivahan Sewa/ RTO?
In India, buying car insurance is a compulsion for every car owner. It doesn’t matter if you are an excellent...
Read more
Car Depreciation Calculator In India
Car depreciation is the difference in the value of a car between the time you purchase and when you sell it. In...
Read more
Multiple Ways To Check Your Car Insurance Status Online
Keeping a check on your car insurance policy is as important as purchasing a comprehensive insurance policy for...
Read more