Royal Sundaram Car Insurance

Royal Sundaram Car Insurance Insurance

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Royal Sundaram Alliance Insurance Company

Royal Sundaram Alliance 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. It is the first insurer to introduce cashless mode of settlement for health claims and private insurer to introduce innovative health products like Hospital Cash. It is also the first private insurer to tie up with banks (affinity partners) for selling retail products into their customer’s network.

Motor Insurance is compulsory to have in India whether you own a car or any two-wheeler. Apart from being mandatory, it is also helpful to have such insurance as nowadays the number of accidents are rising day by day and no one knows when you might meet with an accident. A motor insurance provides complete protection to your vehicle against unforeseen incidents that may cost you a lot.

The Motor Insurance Act of 1988 has mandated that all vehicle owners of India have to carry a valid motor insurance plan with them while driving. Whether it is four-wheeler or two-wheeler, a motor insurance is a must have thing and it is helpful as well. As per the Motor Vehicles Act, driving on the roads of India, without a valid third-party liability insurance is a punishable offense. Hence holding a valid third party motor insurance in India is a statutory requirement.

Insurance is basically a contract in which the insurer takes the responsibility to pay an amount to the insured in case of any mishap or need. Basically, motor insurance covers the owner of the vehicle and the vehicle also from different types of damages and accidents. It will also cover liabilities owed by the owner as per law. The owner of the motor is legally liable for any injury or damage to life and the property that is caused by his/her vehicle.

What does Royal Sundaram Motor Insurance Cover?

In India, there are two types of motor insurance available, 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
• Earthquakes, floods, storms, tempest, inundation, hailstorm, frost, cyclones, hurricanes, landslides, rock slides
• Burglary, Housebreaking, theft
• Malicious Acts
• Accidental external means
• While in transit
• Terrorism act

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 a 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 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 really 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, earthquake as well. There are several situations in which you have to pay a big amount for repairing, however, a motor insurance plan can protect you from it. Basically, 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 which 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 situation arising as a result of injury or death caused by the motor vehicle to the tenant.
It is ideal to get a motor insurance, whether you use vehicle for personal use or for commercial use. Motor insurance plan protects owners in numerous ways and offers financial relief in case of need.

Royal Sundaram Motor Insurance Plans

HDFC ERGO Motor insurance is offering a wide range of effective plans. You just need to pick out the best one for yourself. The wide range of products offer great coverage along with attractive befits also.

Car shield

The car shield provides one of the best insurance deal for you. It not only safeguards you by law, it also safeguards you and your car. This car insurance plan gives you insurance cover for accidental damage caused to your car or another vehicle, or injury or damage to any 3rd party. Loss of or damage to your car through fire or theft is also covered by this plan.

Two Wheeler-Long Term Insurance

It is an effective insurance policy by Royal Sundaram that offer wide coverage to your two-wheeler at an affordable price. It comes along with great features and discounts also. It will safeguard your vehicle completely.

Contact Address

Royal Sundaram Alliance Insurance Company Limited
Vishranthi Melaram Towers No.2/319 , Rajiv Gandhi Salai(OMR)
Karapakkam, Chennai - 600097
Tel : 91-44-7117 7117, Fax : 91-44-7113 7114
E-mail: customer(dot)services(at)royalSundaram(dot)in

Royal Sundaram Motor Insurance News

Monday November 30, -0001

Monday November 30, -0001

Linking Of Aadhaar With Insurance Policy Is Mandatory, Says IRDA

On Wednesday, 8th Nov 2017, the Insurance Regulatory And Development Authority Of India (IRDA) said that the linking of Aadhar number with insurance plans is compulsory and asked insurance companies to implement the statutory norms.

 “The Authority clarifies that, linkage of Aadhaar number to insurance policies is mandatory under the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017,” the IRDA said.

In the last June, the government of India had informed about the Prevention of Money Laundering (Maintenance of Records) Second Amendment Rules, 2017, making Aaadhar and PAN/Form 60 compulsory for getting financial services that include insurance also and asked policyholders and companies for linking the existing policies with the same.

In a discussion with all life and general insurance companies, IRDA said the rules have “statutory force” and they have to implement the rule without waiting for the further instructions.

Right now, there are 24 life insurers and 33 general insurance companies operating in the country.

Although, there are no deadlines that have been given by IRDA for the completion of the process, as per the circular, it has to be done as soon as possible. Some insurance companies also said that this can also result in the delay of payout in a few cases. Aadhaar is now also compulsory for financial transactions of Rs 50,000 and above. Likewise, one has to link one’s Aadhaar number with the mobile number latest by February 6, 2018.

Monday November 13, 2017

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Customer Reviews

"Quick Service By Royal Sundaram"
- "Great"

I renewed my car insurance hardly in minutes. Good online service. Read More.. I renewed my car insurance hardly in minutes. Good online service.

Raman, Madhubani
Reviewed On 08-04-2018
"Recommended Policy"
- "Good"

I never faced any issues with the policy. Overall this is a recommendable policy to have. Read More.. I never faced any issues with the policy. Overall this is a recommendable policy to have.

Rajesh, Ludhiana
Reviewed On 03-05-2018
"Average Service"
- "Satisfactory"

Service is not up to the mark. Read More.. Service is not up to the mark.

Raj, Ludhiana
Reviewed On 01-05-2018

Aggregate Rating for Royal Sundaram General Insurance Co. Limited Insurance    [ 3  ]

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