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Royal Sundaram Car Insurance
Royal Sundaram car insurance provides financial coverage to the policyholder in case their car meets with an unforeseen mishap such as an accident, theft, etc. This policy is offered by Royal Sundaram General Insurance Co. Ltd., which is the first insurance company to introduce concepts like cashless claims processes and in-house Motor Assessors (IMAs).
About Royal Sundaram General Insurance Company
Royal Sundaram General Insurance Co. Ltd. is the first private-sector general insurance company that provides customised insurance solutions to meet the divergent needs of individuals, families, and businesses. The insurance company is a joint venture between Sundaram Finance and Ageas Insurance International N.V.
Royal Sundaram General Insurance Co. Ltd. follows the practice of innovative products, high-class service and ease of claim settlement process. It offers customer-friendly services, including round-the-clock emergency assistance and a digital car inspection process.
Key Features of Royal Sundaram Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 98.6% |
| Personal Accident Insurance | Up to Rs. 15 Lakhs |
| Network Garages | 3,300 |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | Unlimited times up to IDV |
| No. of Comprehensive Claims | Unlimited |
Benefits of Royal Sundaram Car Insurance
Royal Sundaram General Insurance Company offers the following benefits to its policyholders:
- Cashless repair facility available in more than 3,300 Royal Sundaram cashless garages.
- Royal Sundaram car insurance claim settlement ratio is 98.6%.
- 24x7 roadside assistance is available in case of emergencies due to accidents.
- Free vehicle inspection facility in 20 minutes via M-Inspect App.
- Easy access to all policy details, claim processes and other requests via the M-Chatra App.
- Speedy authorisation of repairs to get the car back on the road as quickly as possible.
Types of Royal Sundaram Car Insurance Policy
Royal Sundaram car insurance offers three types of motor insurance policies. They are:
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Private Car Liability Only Policy
Under the liability-only motor insurance policy, Royal Sundaram General Insurance Company will compensate the policyholder in the event of an accident leading to third party liabilities, such as third party property damage, death or injury to the third party.
The policyholder is entitled to a 100% cover in case of death or injury, while in property damage, the cover is limited to up to Rs. 7.5 lakh.
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Standalone Motor Own Damage Policy
A Royal Sundaram standalone own damage policy provides coverage against damages to the insured car due to events like theft, fire, accident etc. It also covers damages arising due to manmade and natural disasters.
A standalone own damage car insurance policy does not cover third-party liabilities; therefore, it needs to be purchased along with a liability-only policy.
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Carshield Private Car Package Policy
Under a Carshield private car package policy or comprehensive car insurance, the insurer will compensate against damages to the insured car arising due to road accidents, calamities, theft, fire and third-party liabilities
This policy is an extensive one as it also covers third-party liabilities along with damages to the insured car.
Royal Sundaram Car Insurance Premium Calculator
By using the car insurance premium calculator, you can calculate the premium of your motor insurance policy before buying and check whether it's in your budget or not.
Coverage Under Royal Sundaram Car Insurance
- Fire & Explosion: Damages sustained by the insured car due to fire, ignition or explosion
- Accidental & External Damage: Damages due to an external accident like a road accident
- Manmade Acts: Damages to the insured car due to manmade acts like riots & strikes
- Theft: Loss or damages due to burglary, housebreaking or theft of the insured car
- Natural Disasters: Damages sustained due to natural calamities like earthquakes, floods, landslides, rockslides, etc.
- Third-Party Damages: Liabilities arising out of third party damages, such as third-party death, injury or property damage
- While in transit: Damages sustained by the insured car during transit via road, waterways, airways, lift, etc.
- Breakdown: Damages sustained by the insured car due to mechanical or electrical breakdown
- Invalid Driving Licence: Damage caused by a person driving the car without a valid driving licence
- Drunk Driving: Damage caused by a person driving the car after consumption of alcohol
- Other Purposes: Damages sustained when the insured private vehicle was used for other purposes, such as for commercial purposes
- Outside Geographical Area: Loss or damage sustained by the insured car outside the area mentioned in the policy documents
- Ageing: Gradual wear & tear and depreciation borne by the insured car over time.
Royal Sundaram Car Insurance: Add-ons
Depreciation Waiver Cover
Any depreciation sustained by the insured vehicle is not covered under standard four-wheeler insurance.
Depreciation add-on cover ensures that a policyholder gets the full amount that he/she claims without any deduction of the depreciation value on parts of the car.
Windshield Glass Cover Plan
Under this add-on cover, repair or replacement of the front or/and rear windshield glass of the insured vehicle can be done without affecting the No Claim Bonus for the subsequent year.
Any repair under this add-on will not be counted as a claim.
Voluntary Deductible Cover
With the help of a voluntary deductible cover, a policyholder can reduce the insurance premium by 15-35% by agreeing to pay a voluntary deductible amount during claim settlement.
The rest of the claim amount will be paid by the insurer.
Spare Car Clause
Under this add-on cover, a policyholder can get a conveyance or transport allowance on a
daily basis on the hired car if the insured car breaks down and needs repair.
Loss of Baggage Cover
Coverage is given under the loss of baggage cover in case of loss or damage caused to the baggage, which was kept in the insured vehicle.
In case you have made a claim for baggage loss without making own damage claim, the NCB will not get affected.
Aggravation (Damage) Cover Clause
This add-on covers the insured vehicle's engine, gearbox and related internal parts against damages arising due to water ingression and leakage of oil.
This additional cover is applicable for vehicles up to 3 years of age.
NCB Protector Cover
The NCB Protector allows a policyholder to retain a No Claim Bonus discount on Royal Sundaram insurance renewal
irrespective of making claims during the previous policy year.
Key Replacement Cover
The Key Replacement cover will provide compensation for the repair or replacement of lost,
broken or stolen keys of the insured car in case of theft or loss.
Tyre Cover
The tyre add-on covers the damages sustained by
the tyres and tubes of the insured vehicle, even if it does not result from an accident.
Vehicle Replacement Value Plus Cover
In case of a total loss or theft of the insured car, this add-on cover will provide full reimbursement as per the invoice value of the car.
It will also cover road tax, registration charges, and insurance costs of the policy opted.
How to Renew a Royal Sundaram Car Insurance Policy?
Follow the below-mentioned steps for Royal Sundaram car insurance renewal:
Step 1: On the official website of Policybazaar Insurance Brokers Private Limited, select the “Car Insurance” tab from the homepage
Step 2: Enter your car number on the given form
Step 3: Select your car details like RTO make, model and variant
Step 4: Fill in your name, email and mobile number and view policy prices
Step 4: Select policy expiry date and previous claim details
Step 5: From the given plans, find the Royal Sundaram car insurance renewal policy and review its details.
Step 6: Add the needed add-on covers to your policy and proceed forward
Step 7: Enter the No Claim Bonus discount, if any
Step 8: Fill in the proposal form and proceed with payment
Step 9: After premium verification, make payment via your desired payment mode
Step 10: Once the payment is done, your Royal Sundaram car insurance renewal will be complete. You will get the renewal policy documents at your registered email ID.
How to File a Claim Under Royal Sundaram Car Insurance?
To file a Royal Sundaram motor insurance claim online, you can follow these steps:
1
Claim Intimation:
Any mishap of the insured car should be informed to Royal Sundaram General Insurance Company immediately
2
Survey:
A survey will be arranged upon receipt of the claim intimation to estimate the damages sustained by the car.
3
Documents Verification:
All the required documents will be verified by the surveyor. Make sure to keep all the relevant documents handy with you.
4
Claim Settled:
The insurance company will settle the claim with the network garage in case of cashless claims. If the repairs have been done in a non-network garage, the company will reimburse you the claim amount after you have paid the bill.
Documents Required to Raise a Claim Under Royal Sundaram Car Insurance
Make sure to keep all the mentioned documents handy while claiming under Royal Sundaram car insurance:
- Duly filled and signed claim form
- Copy of Registration Certificate
- Copy of Police FIR
- Copy of Driving License
- Original bill along with satisfaction voucher
- Estimate of repairs
- Repair bills
Car Insurance for Popular Brands in India
FAQs
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Q1: Why should I buy Royal Sundaram’s comprehensive car insurance when the law mandates only third-party insurance?
Ans: Accidents can occur at any time, even when it is not your fault. But with Royal Sundaram third-party car insurance, you can only get compensated for third-party liabilities arising out of the insured car. However, with comprehensive car insurance, the insurer will protect you against any loss or damage to your car and accessories in case of any unforeseen events like:-
- Fire, explosion, lightning
- Riot or strike
- Burglary or housebreaking,
- Terrorist activity.
- Earthquake
- Landslide and rockslide
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Q2: I plan to add a CNG/LPG kit in my car. Will it be covered by Royal Sundaram car insurance?
Ans: Yes, it will be covered, provided.
- You have a comprehensive car insurance policy
- LPG/CNG is endorsed in your Registration Certificate (RC) book by the RTO (Road Transport Office).
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Q3: What are the discounts offered by Royal Sundaram car insurance?
Ans: The following discounts are offered by Royal Sundaram car insurance:-
- Voluntary deductible amount
- Membership of Automobile Association discount
- No Claim Bonus
- Anti-theft device discount
- Discount on vintage cars
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Q4: What are the factors that decide my Royal Sundaram car insurance premium?
Ans: Your premium of Royal Sundaram car insurance depends upon the following factors:
- Insured's declared value (IDV)
- Cubic capacity of the vehicle
- Geographical zone
- Age of the vehicle
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Q5: How can I get a Royal Sundaram car insurance policy download?
Ans: You can get a soft copy of your Royal Sundaram car insurance policy from the insurer’s official website. If you have purchased a policy from us, you can get a download by logging into your Policybazaar account.
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Q6: What is the voluntary deductible in Royal Sundaram car insurance? How does it help me
Ans: At the time of a claim, if you want to bear the portion of a claim amount, you can do it by opting for a voluntary deductible. By bearing a portion of the claim, you are entitled to get a discount of 15%-35% on your car insurance premium.
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Q7: What is the procedure for cancelling Royal Sundaram car insurance?
Ans: You can cancel your Royal Sundaram car insurance within the free-lookout period by informing the insurer. The insurer will then start the cancellation process or guide you through it. It will take up to 7 to 15 days to cancel the policy.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.