Royal Sundaram Car Insurance

Posted in: Insurance | on: November 7, 2020

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Royal Sundaram General Insurance Company Limited, formerly known as Royal Sundaram Alliance Insurance Company is the first Indian private sector general insurance company certified by the IRDAI. This company is a joint venture between Sundaram Finance and other shareholders in India.

Royal Sundaram offers motor insurance, health insurance, home insurance, travel insurance and personal accident insurance to individual and commercial customers. Royal Sundaram car insurance offers comprehensive car insurance package which provides total protection to your car!

What are the benefits of Royal Sundaram Car Insurance?

Some of the benefits of Royal Sundaram car insurance are,

  • It offers protection to your car from any loss or damage
  • It offers unlimited liability in the case of third-party death or injury claims
  • It offers reimbursement for damage to the third party up to a limit of 7.5 lakhs
  • It provides personal accident cover to you, your paid driver and occupants in the car.
  • For members of Automobile Association of India, 5% discount on maximum of Rs. 200 or on the Own Damage Premium will be provided.
  • Transfer of No Claim Bonus from other insurance company will be initiated upon online renewal with Royal Sundaram car insurance policy.
  • Upon reduction in Limits of Liability for Third Party Property Damage, a discount of Rs. 100 in Third Party Basic Premium will be offered.
  • If you opt for voluntary deductible of Rs. 15,000, you will get 35% discount on Own Damage Premium under the condition of a maximum of Rs. 2500.

Why you need to buy Royal Sundaram Car Insurance?

You need to buy car insurance from Royal Sundaram because of the following reasons,

  • It offers cashless claims with 4500+ garage network across the country during emergency.
  • It offers 24 x 7 free roadside assistance during emergency.
  • It provides 100% invoice price insurance add-on cover.
  • It offers wide variety of additional covers at lower premiums along with the basic cover.
  • It comes with 12 unique add-on covers which you can buy along with standard package policy to add extra protection to your car. 
  • It provides competitive Insured Declared Value (IDV) for your car during buying or renewing your policy.
  • It offers personal accident cover of up to Rs. 15 lakhs
  • It offers free flat tyre service and emergency fuel delivery facility.

What are covered under Royal Sundaram Car Insurance?

Royal Sundaram car insurance offers a comprehensive car insurance policy in the name of 'Car Shield'. Along with the host of discounts, the car shield policy covers any loss or damage to your car, third party liability and personal accident cover to the owner or driver. Royal Sundaram car insurance covers the following risks of natural and man-made calamities.

  • Fire and explosion
  • Accidental and external damage
  • Strike and Riot
  • Burglary, theft
  • Earthquake
  • Landslide
  • Terrorism
  • Storm and Flood

What are the additional covers offered in Royal Sundaram Car Insurance?

Royal Sundaram car insurance offers additional covers along with the basic coverage at lower additional premium. Along with basic cover, these additional covers offer extra protection to your vehicle. The following covers are offered in Royal Sundaram car insurance.

Personal Accident Cover:

For unnamed passengers and paid driver, a maximum of Rs. 2 lakhs per person will be offered as personal accident cover.

Legal Liability to the Employees:

Legal liability will be provided to the policyholder's employees apart from the paid driver who may be travelling or driving the car.

Legal Liability to the Paid Driver:

Legal liability will be provided to the paid driver who is employed for the insured car.

Comprehensive Cover:

The comprehensive cover will cover the electrical, electronic and non-electronic fittings related expenses in your car.

CNG Kit and Bi-Fuel System Cover:

The CNG kit and bi-fuel system cover is declared in the registration copy (RC) book of the car.

What are the add-ons available in Royal Sundaram Car Insurance?

Royal Sundaram car insurance offers the following 12 unique add-on features which you can buy along with basic cover to gain extra protection to your car.

1. Depreciation Waiver Cover:

In case of partial loss or claim, you will get depreciation waiver on metal and plastic parts. You will get the entire claim amount without any deduction for depreciation on the replaced part's value.

2. Voluntary Deductible Cover:

If you voluntarily consent to get the specified claim amount while filing any claim, the claim amount will be paid only for the damages exceeding the voluntary deductible limit. As there is a discount on premium ranging from 15% to 35% on Own Damage Premium, you can save motor insurance premium amount.

3. Key Replacement Cover:

If your car keys are misplaced, lost, stolen or damaged, the key replacement cover will cover the expenses involved in repairing or replacing your car keys. It also covers labour costs.

4. Loss of Baggage Cover:

In the case of loss or damage to your baggage placed in your car, this cover will reimburse for the loss. If you have claimed only for loss of baggage without any Own Damage claim, your No Claim Bonus will remain unaffected. 

5. No Claim Bonus (NCB) Protector:

This cover rewards the vehicle's owner for no claims made in the previous policy periods. For maintaining no claim history, you can avail 20% to 50% discount.

6. Tyre Cover:

This will cover the expenses caused due to damage to your car's tyres and tubes resulting from accident.

7. Windshield Glass Cover:

If you need to repair or replace the accidentally broken windshield glass, the windshield glass cover will cover those expenses. This will not affect your No Claim Bonus and this will not be treated as Own Damage claim.

8. Full Invoice Price Insurance Cover:

If you insure your car to 100% of the list price, you will get full reimbursement on your car's invoice amount in the event of theft or total damage.

9. Spare Car Clause:

While your car is getting repaired, you will get daily allowance for transportation.

10. Lifetime Road Tax Clause:

In case of theft or total loss of your vehicle, the unexpired part of road tax will be paid to you.

11. Enhanced PA Cover:

This is an extension of personal accident cover with a maximum of up to Rs. 50 lakhs of capital sum insured.

12. Engine Protector Cover:

This cover offers protection to your car's engine from waterlogged roads and damage to the gear box and power steering pump due to rugged road. 

How to get a quick quote in Royal Sundaram Car Insurance in Online?

To get instant online quote in Royal Sundaram car insurance, follow the procedures given below:

Step 1: Visit the official website of Royal Sundaram Car Insurance

Step 2: On the home page, select 'Insurance for a New Car' and enter your car's manufacturing year, mobile number, name and email id. Then select the type of cover you want and click 'Get Quote'

Step 3: On the next page, enter the date and city of registration, car name and model name. Then select the sum insured and required add-on covers. Click 'Get Quote'

Step 4: The premium quote details will appear on the next page.

How to buy Royal Sundaram Car Insurance Policy in Online?

To buy Royal Sundaram car insurance policy in online, go through the following steps.

Step 1: Visit the official website of Royal Sundaram Car Insurance

Step 2: On the home page, select 'Insurance for a New Car' and enter your car's manufacturing year, mobile number, name and email id. Then select the type of cover you want and click 'Get Quote'

Step 3: On the next page, provide your car details. Then Click 'Get Quote'

Step 4: The premium quote details will appear on the next page. Select the IDV, add-ons and additional covers which you want to purchase along with the policy and click 'Recalculate'.

Step 5: Verify the details and make payment to get the policy instantly.

How to renew Royal Sundaram Car Insurance Policy in Online?

To renew your expired policy in Royal Sundaram car insurance, just follow the simple steps given below.

Step 1: Visit Royal Sundaram Car Insurance's Insta Renew page.

Step 2: Enter your policy number and date of expiry.

Step 3: View your premium and policy details.

Step 4: Make payment to renew your expired policy.

What are the details and documents required to file claim in Royal Sundaram Car Insurance?

In order to file claim, you need to submit the following details and documents.

  • Duly filled and signed claim form
  • Registration certificate of the vehicle
  • Driving Licence
  • FIR copy in the case of death/ injury/ damage to the third party
  • PAN card
  • Aadhaar card
  • Original cash receipt or cash receipt with invoice
  • Policy details
  • Contact details
  • Loss details

How to register your claim in Royal Sundaram Car Insurance?

To claim your Royal Sundaram car insurance policy, all you need to do is to register your claim.

You can intimate your claim,

What are the procedures involved in Royal Sundaram Car Insurance claiming process?

Once your vehicle has been damaged, you need to undertake the following procedures to claim in Royal Sundaram car insurance.

  • Inform your insurer immediately and keep all the details handy.
  • Avoid repairing or dismantling your vehicle before the completion of survey.
  • Upon receiving claim information and submission of detailed repair report from the repairer, the survey will be arranged.
  • Before survey, submit the necessary documents to the repairer or surveyor.
  • Once you have submitted all documents properly, the insurer will arrange for cashless claim facility.
  • After completing the satisfaction voucher and paying the excesses, you can collect the vehicle.
  • If the surveyor asks for re-inspection, you need to produce the vehicle again.
  • Upon completion of these procedures, your claim will be settled quickly.


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