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Royal Sundaram Third Party Car Insurance Overview

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

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 Premium Calculator

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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

How To Raise A Claim Under Royal Sundaram Third Party 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

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

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