Royal Sundaram Car Insurance
Royal Sundaram Car Insurance
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Royal Sundaram Car Insurance

Royal Sundaram Car Insurance by Royal Sundaram General Insurance Company Limited, is the first private sector general insurance company in India to be licensed since 2001. It offers Motor, Health, Personal Accident, Home, and Travel Insurance to individual customers currently. Royal Sundaram has over 5 million customers, over 1700 employees and its products are distributed in over 180 cities across India, through agents, distribution partners, and brokers.

Key Benefits Of Royal Sundaram Car Insurance

4600+ Garages

4600+ Garages

The company offers cashless claims across several garages in the country so that you don’t have to struggle with finding one during an emergency.

Cashless Claim Networks

Cashless Claim Networks

Cashless claim service with 3300+ authorized network of garages all over India



You can go for a voluntary deductible of Rs. 15,000 and can easily get a 35% discount on Own Damage Premium with a maximum of Rs. 2,500

Accidental Cover /Customer Support

Accidental Cover /Customer Support

You can easily get personal care with the help of a relationship manager to assist you in case of an accident and to take you through the claims process.

Royal Sundaram Car Insurance Plan

To deal with different car insurance needs of customers, the company has come out with innovative products.

Royal Sundaram Car Shield

It is a comprehensive package policy that covers Loss or Damage to your car, Liability to third parties and provides personal accident cover to the Owner/Driver.

Key Features

  • Loss or Damage Protection: The company is offering coverage and protection from loss of car or damage to your car.
  • Unlimited Liability: The plan is offering unlimited liability for Third-Party death/ injury Claims.
  • Indemnity for third party property: The plan is offering an indemnity for third party property damage up to a limit of Rs. 7.5 lakhs.
  • Personal Accident Cover: The plan offers personal Accident Cover for you, your paid driver and the occupants in the car.

What Does Royal Sundaram Motor Insurance Cover?

In India, there are two types of motor insurance available, the first one is the third-party liability and the second one is the comprehensive insurance plan. Having a third-party liability plan is a statutory need in India. It can cover liability and a range of damage to the person’s vehicle. It is popular as for OD (Own Damage) cover which includes following damages as well.

  • Fire, Self- Ignition, Explosion, Lightning
  • Riots, Strikes
  • Burglary, Housebreaking, theft
  • Malicious Acts
  • Terrorism act
  • Accidental external means
  • While in transit
  • Earthquakes, floods, storms, tempest, inundation, hailstorm, frost, cyclones, hurricanes, landslides, rock slides

If your car is not in use for a long time and just parked in your garage or a parking area, then you may not feel the importance of having motor insurance. However, it is still mandatory and helpful also. It offers complete protection and wider coverage.

Theft: There is no doubt that in India, thefts related to vehicles are common and to protect your vehicle from such a situation a motor insurance plan is necessary. It is a misconception that only new and luxury cars are targeted by thieves, however, there are no such rules. Parts of every car are valuable and expensive so thieves can target any vehicle. If you need to protect your vehicle from them then you must go for an effective motor insurance plan by Royal Sundaram.

Physical Damage: There are numerous reasons behind the damages of vehicles such as floods, fire, earthquakes as well. There are several situations in which you have to pay a big amount for repairs, however, a motor insurance plan can protect you from it. A motor insurance plan will cover the cost of repairing as well.
All damages caused by natural calamities that include earthquakes, Firestorms, floods, etc. are liable to get coverage, whereas damages that take place because of strikes, riots, terrorism, burglary, theft, malicious acts and other man-made calamities are also covered.

Use by Others: If you do not use your car much and have rented it or use for any other purpose rather than self-driven, then the effective motor insurance will provide the needful coverage against situations arising as a result of injury or death caused by a motor vehicle to the tenant.
It is ideal to get motor insurance, whether you use the vehicle for personal use or commercial use. A motor insurance plan protects owners in numerous ways and offers financial relief in case of need.

Why Choose Royal Sundaram Car Insurance

With the growing technology, you don't have to visit the office of the Royal Sundaram physically as the online platform is there to help you with your purchase. To buy something online, you just have to fill the online form with basic details related to your vehicle, calculate the premium and make payment through the wallet, net banking, debit/credit card, etc. On making a payment, you will receive the policy’s document. Apart from the ease of buying, you will receive several benefits in the same domain.

Key Features

  • It offers access to around 3300+ garages all over the garages that offer cashless service.
  • With the same, you will be liable to receive 24 x 7 roadside assistance to deal with emergencies that comprise of accidents or breakdowns.
  • Towing assistance will be there to deal with several unwanted emergencies.
  • You will be liable to receive personal care at the time of accidents and claim process.
  • Get 24 x 7 assistance by Royal Sundaram for claim settlements

Key Benefits Of Applying Royal Sundaram Car Insurance Online

You can avail several benefits when you apply for Royal Sundaram car insurance online:

  • Saves Time: By buying online, you will save a lot of time that you may want to visit the office of the insurance company and standing in the long queue. You can easily save that time by buying online from the comfort of your home.
  • Simple Process: You need to follow a few steps to get the desired plan by Royal Sundaram. These steps comprise the online form, calculating the premium amount, and making the payment online.
  • Less Documentation: You didn't have to deal with may documents or heaps of paperwork only if you are applying for Royal Sundaram car insurance online. You have to provide the required information for obtaining the policy.
  • Flexible Payment Options: You can use your debit or credit card form making payments and it will save you from the hassles of withdrawing cash from an ATM to pay for the policy.
  • Online Assistance: When you apply for the policy online, you will be liable to get online assistance service (chat service) offered by Royal Sundaram and get answers to all your queries.
  • Discounts: You will be liable for special discounts that will be based on your vehicle and choice of plan.

Add-On Covers

Depreciation CoverDepreciation Waiver on plastic or metals parts in case of partial loss/claim.
Third-Party CoverA needful cover to deal with death or injury claims from third parties.
Personal Accident CoverGo for a voluntary deductible of Rs. 15,000 and get a 35% discount on Own Damage Premium subject to a maximum of Rs. 2,500.
Depreciation Waiver CoverIt makes sure that you are getting the full claim amount and that too without deducting the depreciation value.
Windshield Glass CoverUnder the same, you will be liable to get front or/and rear windshield glass repaired or replaced, and that will not affect the 'No Claim Bonus' for the following year
Voluntary Deductible CoverIt will help you a lot in saving money on insurance premiums. It will reduce your car insurance premium by 15 - 35%
Full Invoice Price Insurance CoverThis add on allows you to insure your car for 100% of its listed price.
Loss of Baggage CoverWith the same, you can file for reimbursement in case of loss or damage caused to the baggage kept in your car.
Spare Car ClauseIt will be there with the conveyance allowance and that too daily for hiring a different vehicle if your car breaks down and needs repairs.
Engine (Aggravation) Protector CoverageWith this, there will be no monsoon worries and also cover the engine of your car against several damages.
NCB ProtectorIt will be there with a discount of 20 – 50% for zero insurance claims in the last year (i.e. during the policy period).
Key Protector CoverWith the same, you can insure your vehicle against misplaced, lost, or stolen keys.

How To Make A Royal Sundaram Car Insurance Claim?

When it comes to filing claims on your Royal Sundaram car insurance policy, you have to understand the basics of the procedure. The basic steps are mentioned below :

  • When you want to file the claim, inform the insurer as soon as possible
  • Don't make a self-initiate a repair/replacement without authorization from Royal Sundaram
  • After registering the claim successfully, the insurance company will provide a tracking number along with a surveyor to analyze the damage
  • The surveyor will analyze the damage and will submit an estimate of repairs from the garage. At this stage, you need to submit a registration certificate, driving license, and other related documents.
  • Upon successful registration of the claim, the representatives will provide a tracking number and arrange for a surveyor to take stock of the damage.
  • You have to submit the claim form to the surveyor for the rest of the process. A copy of the FIR is compulsory in case of damage/injury to a third-party property/person.
  • Because of the authorization, the process of replacement must be carried out by the policyholder.
  • The availability of a cashless option will be notified by the representatives.
  • Bills, proformas & estimates must be preserved for verification from Royal Sundaram for processing of claim refunds.

Documents Required To Claim Royal Sundaram Car Insurance

Several documents must be needed for the car insurance process. Below is the list of documents that you will require

  • Policies documents
  • Duly signed the claim form
  • Registration Certificate and Driving License to be submitted to the surveyor/representative for verification.
  • Copy of F.I.R (in case of third-party property/person involvement)
  • Original invoice and proof of payment is required
  • It is important to be in touch with the designated POC throughout claims processing and must be truthful and active for the successful.
  • It is important to check the policy’s document to know about the rights and responsibilities.


Well, no paperwork is needed to purchase your insurance policy online except for break-in cases where VIR will be required and the policy would only be issued subject to a sufficient inspection and submission of documents.

A change can be affected in the car insurance policy by way of an endorsement comprises of additional benefits and cover.

A customer can withdraw the claim anytime by writing a formal request in writing to the insurer.

The discounts that can be allowed under the Royal Sundaram Car policies are:

  • Voluntary Deductible discount
  • No Claim Bonus
  • Automobile Association Discount
  • Discount on Vintage Cars

During a Claim, there will be a certain amount that will be deducted from the Insured. The amount of deductible is given below:

  • For Private Cars up to 1500 CC, it is Rs 1000
  • For Private Cars above 1500 CC, it is Rs 2000

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Last updated on 23-12-2019