Royal Sundaram Car Insurance Claim

Documents Required for Royal Sundaram Car Insurance Claim

For the motor insurance claim to be approved, the policyholder needs to provide certain documents. The documents are as follows:

• Filled and signed the Royal Sundaram car insurance claim form
• The original car insurance policy
• Self-attested copy of the Registration Certificate of the insured vehicle
• Self-attested copy of the driver’s driving license
• A copy of the PAN card for claim amounts exceeding Rs 1 lakh
• Duly signed DV (Discharge Voucher) or SV (Satisfaction Voucher)
• Copy of FIR in case of third-party death/injury or theft

Types of Royal Sundaram Claim Settlement Process

There are two types of claims that policyholders can raise with Royal Sundaram car insurance. These include:

1. Cashless Claim Settlement Process

   If a policyholder raises a cashless claim then he/she is not required to pay for the repairs of the insured car from their pocket. Under this process, the insurer directly settles the claim with the network garage, and the claim becomes cashless. To raise this type of claim, the insured vehicle needs to be repaired in an authorised network garage.

2. Reimbursement Claim Settlement Process

   If the policyholder gets his/her car repaired in a non-network garage, such a claim comes under a reimbursement claim settlement. Under this, the policyholder is required to pay for repairs from his/her pocket to the non-network garage. The insurer then reimburses the claim amount after the repairs.

How To File the Royal Sundaram Car Insurance Claim?

1. Accidental Claims

   • Informing the Insurer: The insurer needs to be informed about the accident to initiate the claim. It can be done through contacting them, visiting the website, using the mobile application, or sending a text.
   • File an FIR: In case there is the involvement of a third party, then file an FIR at the local police station. And get a copy of the FIR.
   • Towing of the car: Call for a towing service provided by the insurer and get the car repaired at a network garage to get a cashless claim.
   • Surveying and documentation: A surveyor from the insurance company will arrive to inspect the damage and cost. They will also process the documents required to settle the claim.
   • Claim settlement: The damages will be repaired at the network garage, and the claim will be disbursed directly to the garage.

   If you don't want to face claim rejection, make sure to renew car insurance on time.

2. Third Party Claims

   • Inform the local police station as soon as your car has met with a third-party accident.
   • The compensation for a third-party claim is decided by the Motor Accidents Claims Tribunal (MACT). So the insurer will forward the claim to the tribunal.
   • The court will then decide the compensation to be paid to the third party. The insurer will pay such compensation, and the claim will be settled.