Royal Sundaram Car Insurance by 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.
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 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
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.
To deal with different car insurance needs of customers, the company has come out with innovative products.
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.
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.
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.
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.
You can avail several benefits when you apply for Royal Sundaram car insurance online:
|Depreciation Cover||Depreciation Waiver on plastic or metals parts in case of partial loss/claim.|
|Third-Party Cover||A needful cover to deal with death or injury claims from third parties.|
|Personal Accident Cover||Go 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 Cover||It makes sure that you are getting the full claim amount and that too without deducting the depreciation value.|
|Windshield Glass Cover||Under 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 Cover||It 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 Cover||This add on allows you to insure your car for 100% of its listed price.|
|Loss of Baggage Cover||With the same, you can file for reimbursement in case of loss or damage caused to the baggage kept in your car.|
|Spare Car Clause||It 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 Coverage||With this, there will be no monsoon worries and also cover the engine of your car against several damages.|
|NCB Protector||It 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 Cover||With the same, you can insure your vehicle against misplaced, lost, or stolen keys.|
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 :
Several documents must be needed for the car insurance process. Below is the list of documents that you will require
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:
During a Claim, there will be a certain amount that will be deducted from the Insured. The amount of deductible is given below:
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Last updated on 23-12-2019