Royal Sundaram Car 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.
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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.
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Other plans by Royal Sundaram


- Travel Insurance
- Health insurance

- Home Insurance
- Commercial Insurance

- Business Insurance
- Personal accident

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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


MS Sreedhar: The new MD of Royal Sundaram Alliance Insurance Company

Royal Sundaram Alliance Insurance Company has announced the promotion of Mr. MS Shreedhar (Chief Operating Officer) to the position of managing director. The essential documents and permission from IRDA have been received. MS Shreedhar has joined the Royal Sundaram in 2000 and since then he  has performed numerous leadership roles in the organization.  He has

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Wednesday April 29, 2015

Reliance General Insurance Claims 30% Complain Reduction

Reliance General Insurance Company –led by Reliance Capital declared that it reduced its consumer complaints by over 30 percent with the help of effective technology and automation. Rakesh Jain, Chief Executive of  Reliance General Insurance Company said, “We have been able to reduce our complaints by over 30 per cent by effective use of technology

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Monday June 22, 2015

Insurance JV: RSA Announces Completion of 26 Percent Stakes Sale

July 30, 2015: The RSA Insurance Group (UK-based) declared that it has completed the sale of its 26% shares in the Indian insurance company-Royal Sundaram Alliance Insurance company to Sundaram Finance. In February, the RSA group announced the plans to leave Royal Sundaram Alliance by selling its stakes to Sunderam Finance for Rs 450 crore.

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Thursday July 30, 2015

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