Easily Organize, Claim and Renew Insurance!

Download Turtlemint App
menu
Close

About Royal Sundaram Car Insurance

Royal Sundaram general insurance co. ltd is the first private company which has been given license by the Insurance Regulatory and Development Authority of India and has been providing inventive insurance schemes for safeguarding the interest of the clients. Offering a wide range specialized of products for health, motor, home, travel, personal accident, marine fire, engineering, business and liability, etc, Royal Sundaram has special products for small and medium enterprises and for its rural customers as well. It is one of the pioneering insurance companies.

Dedicated to providing the best services and products, Royal Sundaram offers innovative car insurance policy in compliance with the Motor Vehicle Act and protect the vehicle along with saving money of its policyholders.

Read More

Royal Sundaram Claim Settlement Ratio

98%

Royal Sundaram

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Royal Sundaram has a claim settlement ratio of 98%, as compared to the industry average of 94.67%.

Royal Sundaram Car Insurance Plans Overview

Royal Sundaram car insurance offers 2 car insurance plans. The premium of these plans starts from Rs. 2045/yr. Details of the comprehensive coverage provided by the following 2 Royal Sundaram car insurance plans are listed below:

Own Damage

Starting Premium- ₹ 2,045/yr

There are types of Royal Sundaram Own damage plan

Own damage cover:

This is the coverage provided which protects the policyholder from the loss suffered due to accident, earthquake, fire, floods, storm, riots, strikes, malicious activities, burglary, theft, etc. This plan does not cover normal wear and tear, consequential loss or depreciation, damage due to electrical or mechanical breakdown is also not covered under this plan

Read More

Third Party

Starting Premium- ₹ 2,094/yr

There are types of Royal Sundaram Third Party plan

Third-party liability:

This plan protects the policyholder against liabilities arising out of the third party property damage or loss due to bodily injury or death of the third party

Read More

Royal Sundaram Premium Calculator

Use our Royal Sundaram car insurance premium calculator to estimate Royal Sundaram car insurance premium for your car within 30 seconds

Add-ons Available Under Royal Sundaram Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. Royal Sundaram Car insurance plans offer the following types of add-ons with the comprehensive policy:

This add-on cover helps in waiver of the depreciation arising due to general wear and tear of the vehicle. This add-on cover protects the metal and plastic parts of the vehicle and gives you access to full claim without any deductions for the depreciated value

This add-on cover protects your money in replacing or repairing the windscreen of your vehicle without affecting your No Claim Bonus

This cover protects your interests by allowing you to volunteer for bearing a certain amount of claim and any excess amount will be paid by Royal Sundaram Car insurance. This voluntary deduction gives you a discount on the premium ranging between 15% to 35% on the own damage to vehicle cover upon renewal

This add-on cover helps you to recover the full value of the sum insured or the invoice price of the vehicle

This add-on cover provides reimbursement of the loss of the baggage inside the vehicle. This cover helps you by not affecting the no-claim bonus if the claim is made under this add-on cover instead of own vehicle damage cover

This cover gives you conveyance cash benefit when your car is under repair for more than 24 hours

This add-on cover which helps the policyholder for making zero claims during a policy year and acts as a reward. One can claim discount ranging between 20% – 50% based on the claim history

This cover helps in covering the cost of replacing the lost, stolen, damaged or misplaced car keys

This cover saves your pocket by protecting the expenses of damage to the tyres and tubes of the car. Normally, tyre and tubes damage is not covered in the policy if the damage is not caused due to accident

This add-on cover includes protection on a sizeable amount of road tax which will be paid in case of a total loss of vehicle or theft. The unexpired amount of the road tax will be paid along with the amount of loss of the vehicle

This add-on cover protects the engine of the insured vehicle in case of travelling to places with waterlogging, or during monsoon. This protects the policyholder from damage to the engine parts, gearbox, steering pump, etc.

Under this, personal accident cover is provided to the driver/owner of Rs 15 lakh. It also protects the cod-driver

View More

Features Of Royal Sundaram Car Insurance Plans

Benefits of Royal Sundaram Car Insurance Plan

  1. Royal Sundaram car insurance provides coverage and protects the policyholder against financial losses caused to the owner’s vehicle or to the owner. This is one of the most prominent benefits of Royal Sundaram car insurance
  2. Royal Sundaram car insurance provides unlimited benefits when the insured car damages the third party or results in the death or injury. Royal Sundaram car insurance provides a coverage of Rs 7.5 lakh for the damage of third-party’s society
  3. Royal Sundaram car insurance provides coverage for oneself, driver, and the co-passengers of occupants present in the car, in case of an accident
  4. Royal Sundaram car insurance provides a discount of 5% on own damage premiums and Rs 200 maximum discount to members of Automobile Association
  5. It has a highly dedicated helpline number for 24*7 claim assistance

Features of Royal Sundaram Car Insurance Policy

  1. Royal Sundaram car insurance provides insurance quotes within minutes of filling the request form on the website
  2. It also provides seamless issuance of insurance policy within 24 hours when applied through its website
  3. Royal Sundaram Car Insurance provides cashless services at its network garages round the clock in case of emergencies. In case the vehicle cannot be repaired on the spot, it provides the towing facility to the nearest garage. Royal Sundaram car insurance has more than 4600 listed garages in its network which provide assistance in case of a sudden breakdown or flat tyre, etc.
  4. Royal Sundaram car insurance allows voluntary deductions and allows 35% discount on the own damage premium
  5. Third-Party Coverage:

Royal Sundaram Car Insurance provides third party liability cover under which it assists the policyholder with legal protection for damage to the property of the third party, protecting the policyholder against legal liabilities arising out

  1. Personal Accident cover:

Royal Sundaram car insurance provides compulsory personal accident cover for driver/ owner while driving or travelling and even mounting and dismounting of the insured vehicle

  1. Incurred Claim ratio:

The incurred claim ratio is the ratio of the net claims settled by Royal Sundaram against the net premiums received. Royal Sundaram car insurance. The incurred claim ratio of Royal Sundaram car insurance is 84.99% as of November 2019

  1. No Claim Bonus:

No Claim Bonus is the bonus received on making zero claims during a policy year and Royal Sundaram car insurance provides no claim bonus on the renewal of the insurance policy upon maintaining a claim-free track record. Royal Sundaram car insurance allows the transfer of No Claim Bonus from any other company to Royal Sundaram car insurance and upon renewal of the existing policy. One can also transfer the no claim bonus from an old car to a new car within the Royal Sundaram car insurance.

Read More

Exclusions Under Royal Sundaram Car Insurance Plans

Royal Sundaram car insurance comes with certain exclusions during claim which is as under

  • Loss or damage to the car
  1. Normal wear and tear of the vehicle consequential loss and depreciation of the vehicle
  2. Electrical and mechanical breakdown of the vehicle
  3. Damage caused by the driver driving without driving license
  4. Damage caused under the influence of alcohol, drugs or any other mind-influencing substance
  • Third-party liability
  1. Damage caused to personal property
  2. Payment of expenses without intimating and prior consent by Royal Sundaram General Insurance

Read More

How To Raise A Claim Under Royal Sundaram Car Insurance

Before claiming the insurance, it is important to understand the proper procedure of registering the claim.

  1. You need to contact Royal Sundaram General Insurance Company Limited immediately and intimate them about the incident
  2. You need to provide them with the following details:
    1. Details of the loss for which wish to claim your Royal Sundaram Car Insurance policy like:
      1. Accident
      2. Theft
      3. Third-party Liability
    2. Policy details and
    3. Your registered contact details

Note: Remember not to try to repair or dismantle the vehicle of the damage yourself

There are two possible ways to claim your Royal Sundaram Car Insurance Policy:

  1. Cashless Claim:
  2. Reimbursement Claim
    1. Process for Cashless Claim for Royal Sundaram Car Insurance Policy:

Cashless Claim for Royal Sundaram Car Insurance Policy can only be done at authorized garages which have a tie-up for cashless claim with Royal Sundaram General Insurance Company Limited. Here are the steps that need to be followed:

  1. You need to contact the insurer and register the claim, as mentioned above
  2. An authorized surveyor will be appointed to survey the damage after the intimation of the claim and submitting the details of the estimated cost of repair
  3. You need to submit a duly signed claim form along with your KYC documents like Aadhar Card, Driving License, PAN number, etc.
  4. In the case of a company-owned vehicle, a copy should be signed by the authorized signatory along with company seal should be submitted
  5. You need to submit the registration certificate along with a photocopy of the same and copy of the driving license
  6. For a Third-Party Claim, you need to submit a copy of the FIR
  7. In case the claim is more than Rs 1 lakh, then submit a copy of PAN card and passport size photographs
  8. Based on the claim, Royal Sundaram General Insurance Company Limited can ask for additional documents
  9. Then you need to take your car to an authorized garage and cashless claim would be settled directly with the garage.
    1. Process for Reimbursement Claim for Royal Sundaram Car Insurance Policy:

If you wish to repair your vehicle in a non-authorized garage, then you need to pay for the expenses upfront and then claim the same. However, you need to get follow these steps BEFORE the repair

  1. You need to contact the insurer and register the claim, as mentioned above
  2. An authorized surveyor will be appointed to survey the damage after the intimation of the claim and submitting the details of the estimated cost of repair
  3. Once the survey is done, you can take your car to a non-authorized garage
  4. You need to pay for the expenses upfront and then claim for the same

AFTER the repair, you need to submit the original bill and receipts of the repair expenses to Royal Sundaram General Insurance Company Limited

Read More

Documents Required For Claims

Documents required for claiming Royal Sundaram car insurance
Following are the list of the documents that are required for making a claim

  1. Copy of the insurance policy document
  2. Duly signed claim form which is available on the website
  3. Registration certificate and a valid driving license for verification
  4. Copy of the FIR in case of an accident, damage to the third party
  5. Original invoice/receipts for reimbursement claim

Read More

Royal Sundaram Customer Care

Customer Care Number

1860 2580 000

Email ID

customer.services@royalsundaram.in

Royal Sundaram Car Insurance Renewal Process

Renewing Royal Sundaram is very easy as the official website as an instant renewal option which does not require too much documentation. In just three steps one can renew their car insurance policy

  1. Enter policy number and an expiry date after clicking on ‘Instant renewal’
  2. Check the policy details and the premium
  3. Make the payment through debit/credit card, internet banking or any suitable medium and you’re done

To renew your Royal Sundaram Car Insurance Plan through Turtlemint, you must

  1. Login to https://www.turtlemint.com/car-insurance/royal-sundaram/
  2. Enter the vehicle registration number and enter
  3. Turtlemint will ask you details like vehicle type, claims made in the previous policy year, previous policy insurer, whether the previous policy was taken from Turtlemint, your personal details
  4. The details of your insured vehicle will be displayed
  5. Check the details and the premium and make an online payment to buy the policy

Read More

Latest Articles On Royal Sundaram

10 Best Car Insurance Companies in India (Complete list)

10 Best Car Insurance Companies in India (Complete list)

Cars are no longer considered to be a luxury. Thanks to the lower priced car models available in the market, almost everyone can afford a car in today’s times. The need of comfortable commute has...

Ankita Sejpal

|

Dec 26, 2019
9 Cheapest Car Insurance in India – Compare, Buy or Renew Plans

9 Cheapest Car Insurance in India – Compare, Buy or Renew Plans

What's Inside Types of Car insurance 09 best and cheapest car insurance plans 1 HDFC Ergo Car Insurance Plans 2 TATA AIG Private Car Package Policy 3 ICICI Lombard Car Insurance Plan 4...

Rupanjali Mitra Basu

|

Nov 28, 2019
Motor Insurance In India

Motor Insurance In India

Motor Insurance - Overview Today, having your own vehicle and commuting using your own vehicle has become a necessity rather than a luxury. Short distance commute can be done easily by motorbikes...

Rupanjali Mitra Basu

|

Oct 20, 2019

View All Articles

FAQs

The wear and tear of plastic, rubber, metal, and other parts depreciate with time and this depreciated value is deducted from the claim. The depreciation is done based on the following percentage:

Age of the car NIL
>6 months but < 1 year 5%
>1 year but < 2 years 10%
>2 years but < 3 years 15%
>3 years but < 4 years 25%
>4 years but < 5 years 35%
>5 years but < 10 years 40%
10 years or more 50%

Yes, the policy can be cancelled with a 7-day notice to the insurance company and any amount of the premium left will be refunded after Rs 100 retention premium charge

Private cars, commercial vehicles and two-wheelers

A: Yes, CNG and LPG kits are covered under Royal Sundaram car insurance policy.

View More

Book A Free Consultation

Feeling Unsure About Insurance Plans?

Our experts can help you make informed decisions

  • IRDAI certified expert advice
  • Free consultation
  • Claim support

No charges. No spam!

Manage All Your Policies In One Place

  • All policies, one app
  • Free claim service
  • All policies explained
  • Consult an expert

Car Insurance Companies Similar To Royal Sundaram