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

Royal Sundaram General Insurance Co. Ltd. is the first private sector general insurance company licensed by the Insurance Regulatory and Development Authority of India in October 2000. It is a joint venture between Sundaram Finance, Ageas Insurance and other Indian shareholders. The company currently offers Motor, Health, Personal Accident, Home, and Travel Insurance to its customers. Royal Sundaram has over 4.5 million customers and its products are distributed across India through insurance agents, distribution partners, and brokers.

Royal Sundaram Car Insurance provides comprehensive protection to vehicles that cover any loss or damage due to accident, theft, natural disaster, terrorist attacks, etc., It also covers liabilities of third-party damage/loss along with providing personal accident coverage to the driver or owner of the car. It offers 4600+ network garages spread all over the country which provides cashless claim facility during emergencies. 




Number of Branches in India


Number of Employees



Sundaram Finance Group

**Last Updated on 05-11-2020

What Is the Renewal Process of Royal Sundaram Car Insurance Policy?

Renew With Royal Sundaram General Insurance

  • Go to the official website of Royal Sundaram General Insurance company.
  • Click on 'Insta Renew' given at the top of the page.
  • Input the necessary details like the policy number and the expiry date of your car insurance policy.
  • You will be able to see the policy details and the required premium payment amount.
  • Proceed with the online payment.
  • Done! Your policy renewal is successful and the receipt for the same will be sent in your registered email id.

Renew With

  • Visit the ‘Compare Car Insurance Quotes Online’ visible at the top of this page.
  • Enter the information about your car and tap on the ‘Get Quotes’ option. Else ‘Proceed Without Car Number’ given at the bottom and fill the details asked to redirect to the quotes page.
  • Choose Royal Sundaram Car Insurance policy.
  • Quickly make the payment.
  • You will be notified about the successful renewal of your policy on your registered email address.

Key Features and Benefits of Royal Sundaram Car Insurance

Passenger Protection

Royal Sundaram car insurance policy offers personal accident cover to the policyholder along with the paid driver and co-passengers (maximum of 4 persons during an accident) present in the car.

On-time Services

In case of an emergency, quick and immediate assistance is provided by Royal Sundaram General Insurance company to the policyholder with full efficiency. 

Customer Support

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

Premium Calculation For Royal Sundaram Car Insurance

A car insurance policyholder should pay a premium on a regular basis to keep the policy active. You can easily calculate the premiums of your Royal Sundaram car insurance policy by using the premium calculator. 

Let us have a look at some of the premium samples for variants of different car models in the following table:

Car Variant

Price of the Car


Zero Depreciation

(Add On)*

Estimated Premium*

Hyundai Verna S 1.5 VTVT (1497 cc)

Rs. 9,31,000

Rs. 6,09,188

Rs. 2,741

Rs. 29,926

Maruti Suzuki Vitara Brezza LXi (1462cc)

Rs. 7,34,000

Rs. 5,57,840

Rs. 1,831

Rs. 20,522

Kia Carnival Premium 7 STR (2199 cc) Automatic

Rs. 24,95,000

Rs. 23,70,250

Rs. 6,400

Rs. 48,766

Tata Tigor Revotron XE (1199 cc)

Rs. 5,75,000

Rs. 4,09,887

Rs. 1,640

Rs. 12,898

Table Data updated on 05-11-2020

**The values are calculated on the basis of (Delhi) city and registration year 2020.

What Are The Different Add-on Covers By Royal Sundaram Car Insurance?

Depreciation Waiver Cover: You can avail depreciation waiver towards the replacement of plastic or metals parts in the event of partial loss or claim of the insured car.

Windshield Glass Cover: Under this cover, you will be liable to get the front and rear windshield glass repaired or replaced due to breakage/damage caused in an accident. The claim for this damage will not affect the 'no claim bonus' for the following year.

Loss of Baggage Cover: With the help of this additional coverage, you can file for reimbursement in case of loss or damage caused to the baggage kept in your car.

Full Invoice Price Insurance Cover: This add-on allows you to insure your car for 100% of its listed price in case of theft or if the car is totally damaged due to an accident.

Key Protector Cover: By buying this add-on, the company will pay the entire cost for the replacement of misplaced, lost or stolen keys of the insured car.

Engine (Aggravation) Protector Coverage: With this add-on cover, there will be no monsoon worries as it covers the engine of your car against water logging issues.

Spare Car Clause: In this clause, a daily conveyance allowance will be provided for hiring a different vehicle if your car breaks down and is under repairs due to damage.

NCB (No Claim Bonus) Protector: This add-on acts as a reward to the policyholder because it offers a discount of 20% to 50% for claim-free years during the policy period. 

Tyre Cover: This cover provides protection to the damaged tyres or tubes of your car caused due to impact bursts or cuts, manufacturing defects as well as chemical or atmospheric defects. It will not offer any coverage in case of accidental damage to your car’s tyres.

Lifetime Road Tax Clause: With the help of this, you can reimburse the amount of road tax paid for a lifetime in case of total loss or theft of the car. This benefit will be payable only after ascertaining the tax declarations from the concerned transport authority.

Discounts Offered By Royal Sundaram Car Insurance

Voluntary Deductible: If you choose to pay a specified claim amount, the excess amount of damage will be paid by the company. This will help you a lot in saving money as it will reduce your car insurance premium by 15% to 35%.

AAI Membership: You can avail a discount of up to 5% on ‘Own Damage’ premium or a maximum of Rs. 200 if you are a member of the Automobile Association of India (AAI).

Limits of Liability for Third Party Property Damage: This discount implies that there will be a deduction of Rs. 100 on basic premium for third-party liability if the policyholder reduces the amount of cover and limits the liability for third-party property damage. 

What Are the Free Services By Royal Sundaram Car Insurance Policy?

Royal Sundaram offers some free services to the insured car in case of emergencies. Check out the below points for details:

  • Flat Tyre Service: You do not need to worry about a flat tyre. Just dial the toll-free number of Royal Sundaram for further assistance.
  • Emergency Fuel Delivery: While on a drive with our loved ones, there are times when our car has low fuel with no fuel delivery system around. This is where you need to dial the Royal Sundaram’s customer care for emergency fuel delivery. This benefit can be availed 2 times during the policy tenure.

How To Settle A Car Insurance Claim With Royal Sundaram?

Step 1: You are required to inform the company about the incident immediately. You can contact them through the following ways:

  • Call the company’s hotline number - 1800 568 9999.
  • By emailing at customer[dot]services[at]royalsundaram[dot]in
  • SMS <MOTORCLAIMS> to ‘567675’.
  • Via Mobile App m-Chatra.
  • Via visiting the official website of Royal Sundaram.
  • By visiting your closest Royal Sundaram branch office.

Share the necessary information with the insurer such as details of the driver, policy and accident.

Step 2: On receipt of claim intimation and a detailed estimate of repairs, a survey will be arranged by the insurer.

Step 3: Take the car to the nearest garage for repairs. Also, you need to submit some essential documents along with duly filled and signed claim form to the surveyor.

Step 4: If all the documents and the survey report received from the surveyor are found to be in order, a cashless claim will be settled on behalf of the policyholder and he/she may collect the car after completion of repair services.

In case of reimbursement claim where the repair/replacement of the damaged car is done in a non-network garage, you will be required to follow the same process as mentioned above followed by submission of receipts and bills for repairs. The company will credit the claim amount into your bank account on acceptance of the claim.

Step 5: Re-inspection of the car can be done again if requested by the surveyor.

Documents Required To Claim Royal Sundaram Car Insurance

Remember to keep the documents handy that will help in quick settlement of your claim. Let’s have a look at the following list of documents:

  • Policy documents and claim form. In the case of a company-owned car, company seal and signature of the authorized signatory is needed.
  • Photocopy of the registration certificate of the car after verification of the original one.
  • Driving license.
  • FIR from the police station in the event of death/injury or property damage of the third-party.
  • If the claim amount exceeds Rs. 1 lakh, a copy of PAN card and a recent passport size photograph needs to be submitted.
  • For reimbursement claims, an invoice with cash receipt or original cash bills will be required to settle the claim.

**Note: The Insurer may ask you for other documents on the basis of accident/situation or type of claim.

Contact Details

Royal Sundaram Car Insurance Company

Registered Office Address:

Royal Sundaram General Insurance Co. Limited, No .21, Patullos Road, Chennai - 600 002.

Corporate Office Address: Royal Sundaram General Insurance Co. Limited, Vishranthi Melaram Towers, No.2/319, Rajiv Gandhi Salai (OMR), Karapakkam, Chennai - 600097.

Telephone: 1860 425 0000 (toll-free), +91-44-71177117

Motor Claim Intimation Number: 1800 568 9999

Fax: +91-44-71137114

Email:customer[dot]services[at]royalsundaram[dot]in (For queries or complaints related to your car insurance policy)

Registered Office Address:

PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

Email: (For any assistance & complaints) (For any Sales query)

Toll-Free Number: 1800-4200-269

Royal Sundaram Car Insurance: FAQs

1. Is it possible to cancel my Royal Sundaram Car Insurance claim after registration of the same?

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

2. What is 'compulsory deduction/deductible' in Royal Sundaram Car Insurance policy?

During a claim, there will be a certain amount that will be deducted from the Royal Sundaram Car Insurance policy. 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.

3. What are the types of car insurance plans provided by the Royal Sundaram General Insurance Company?

The company offers car shield that includes:

  • Loss or Damage to your car (Own Damage).
  • Liability to third-parties.
  • Personal accident cover for the Owner/Driver of the car.

For more information, please visit the official website of Royal Sundaram General Insurance.

4. How much coverage amount can I opt for ‘Accidental Cover’ of co-passengers in Royal Sundaram Car Insurance policy?

You can opt for ‘Accidental Cover’ of co-passengers and the driver up to a limit of Rs. 2 lakhs in Royal Sundaram Car Insurance policy.

5. Does the Royal Sundaram Car Insurance policy cover CNG and LPG kits also?

Yes, it also covers CNG and LPG kits under the car shield plan.

6. Is it possible to file a claim for Comprehensive Cover of Royal Sundaram Car Insurance policy outside India?

No, it is not possible. However, by paying an extra premium of Rs. 500 for your policy, you can extend it to the following countries:

  • Bhutan
  • Bangladesh
  • Sri Lanka
  • Nepal
  • Maldives

Kindly note that this extended claim can be made on roadways for any damage, mishap, accident or loss.

7. I want to know whether zero depreciation add-on cover in Royal Sundaram Car Insurance policy will provide coverage to my stolen car parts and accessories?

No, zero depreciation add-on cover in Royal Sundaram Car Insurance policy will not provide coverage to your stolen car parts and accessories. It will only cover the damaged or broken car parts incurred due to an accident.

Last updated on Aug 2022