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Royal Sundaram Car Insurance
- Royal Sundaram Comprehensive Car Insurance
Royal Sundaram Comprehensive Car Insurance
The comprehensive car insurance policy by Royal Sundaram General Insurance Company provides protection to the policyholder’s car against damages and also, against third-party liabilities. Thus, the owner of the Royal Sundaram comprehensive car insurance will be able to claim compensation in case of third-party legal liabilities and damages to the insured car due to theft, natural calamity, or a road mishap.
Benefits of Royal Sundaram Comprehensive Car Insurance
Some of the benefits that one can enjoy when buying car insurance from Royal Sundaram General Insurance Company are:
- Third-party Protection: A Royal Sundaram comprehensive car insurance policy provides legal and financial help to deal with the third party in case of any accidents.
- Own Damage Cover: The comprehensive insurance policy also covers insured cars if it sustains any damage due to unforeseen events like accidents, fire, theft, etc.
- Add-ons: The policyholder can also benefit from various add-on covers. There is also coverage available against legal liabilities for the hired driver.
- Cashless Services: The Royal Sundaram comprehensive car insurance also provides the benefit of cashless claims in more than 3,000 authorised network garages.
Coverage Under Royal Sundaram Comprehensive Car Insurance
- Death, property damage or disability to the third party caused due to the insured car
- Theft or burglary resulting in partial or total loss of the insured motor vehicle
- Losses arising as a result of fire or explosion sustained by the insured car
- Damages to the insured car while it was in transit
- Riots, strikes or any other manmade act resulting in damages to the insured car
- Natural disasters like hurricanes, typhoons, etc damaging the insured four-wheeler.
- Contractual liabilities of the owner or driver of the insured car
- Damages to the insured vehicle when driven under the influence of alcohol
- Losses sustained by the vehicle when the driver was not carrying a valid DL
- Claiming under an expired car insurance policy is also not covered
- Damages to the insured four-wheeler due to nuclear or civil war
- The cost of depreciation borne by the insured car.
Add-ons Under Oriental Comprehensive Car Insurance Policy
The additional covers offered under an Oriental comprehensive car insurance policy are:
- Zero Depreciation Cover
- Engine Protect Cover
- Return to Invoice
- Consumables Cover
- Key Replacement
Add-Ons Under Royal Sundaram Comprehensive Car Insurance
To enhance the coverage of a Royal Sundaram comprehensive car insurance policy, you can purchase the following additional covers:
- Zero Depreciation Cover
- Aggravation Cover
- Key Replacement Cover
- Windshield Glass Cover
- Vehicle Replacement Cover
- Spare Car Cover
- Roadside Assistance
How to Purchase Royal Sundaram Comprehensive Car Insurance Policy?
Follow the steps mentioned below to purchase a Royal Sundaram comprehensive four-wheeler insurance policy online:
- Select the “Car Insurance” tab from the homepage
- Enter your four-wheeler reg number in the given form
- If its a car insurance renewal, the details of your four-wheeler will be auto-generated
- You will not find multiple four-wheeler insurance plans
- Choose the Royal Sundaram comprehensive car insurance plan from the list
- Select add-ons if any
- Pay final premium amount via desired payment mode
- Once you have made the payment, your Royal Sundaram comprehensive car insurance policy will be mailed to you.
Documents Required to Raise a Royal Sundaram Comprehensive Car Insurance Claim
Here are the documents you will need to raise a claim under Royal Sundaram comprehensive car insurance:
- Claim form
- Vehicle Registration Certificate (RC)
- Driving Licence
- KYC document
- Vehicle insurance papers
- Copy of Police FIR
FAQs
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Q1. Is Comprehensive Car insurance cost-effective?
Ans: Yes, the Royal Sundaram comprehensive car insurance is cost-effective. With this plan, one can get a high claim value against property damage and third-party liabilities. It will prevent the loss of hefty expenses during mishaps and accidents. -
Q2. How to cancel a car insurance claim?
Ans: One can easily cancel a claim by getting in touch with the insurer and requesting a cancellation on the claim request. Fill in the forms and submit them. The request will be processed, and the claim will be cancelled. -
Q3. What happens if the third-party claim exceeds Rs 7.5 lakh?
Ans: The IRDAI has set a maximum limit on third-party property damage claims, and that is Rs 7.5 lakh. If the total damage expense exceeds this amount, the remaining will have to be paid by the policyholder. On the other hand, in the case of the death of the victim, there is no maximum limit on the claim. The compensation will be decided by theMotor Accident Claims Tribunal.
Car Comprehensive Insurers
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Car insurance companies
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.