Royal Sundaram Car Insurance

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Royal Sundaram Car Insurance

Royal Sundaram general insurance offers car Insurance, Health, Personal Accident, Home and Travel Insurance to individual customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers.

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On Royal Sundaram Official Website

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Updated: 29-05-2024 02:16:42 PM

Policy Highlights

Features Specifications
Third Party Cover Upto 7.5 L
Cashless Network Garages 4600+
Incurred Claim Ratio* 84.99%
Covers Provided Basic Cover, Road Side Assistance

The basic coverage you will get under this plan is:

  • Loss or damage to your car in case of any natural or man-made calamity such as earthquake, terrorism, riot, fire and explosion, theft, landslide, malicious act, accidental and external damage, etc.
  • Liabilities caused to third parties. In this legal protection will be provided for damage caused to a third-party property, death or injury caused to a third-party. Also, the legal cost and expenses will be borne by the insurer.

Things that are not covered under this plan are:

  • Damage caused to vehicle due to wear and tear, depreciation, mechanical or electrical breakdown, if the driver is found driving without a valid driving license, or damage caused to vehicle by the driver under the influence of alcohol.
  • Cost and expenses incurred without prior written approval will also be not covered under the Car Shield Policy.

Reasons to Choose

With the advent of technology, you no longer have to visit the company personally in order to buy insurance for your vehicle. You can simply fill out the online form with complete vehicle details, calculate the premium, and pay online. Once the amount is paid, you can receive your policy document. In addition to the easy purchase option, customers can also enjoy a host of other benefits with their Royal Sundaram car insurance policy.

The key features of the plan are as detailed below:

  • It provides access to 4,600+ cashless garages across the country.
  • You will get 24 x 7 roadside assistance in case of any emergencies related to accidents or breakdowns.
  • Towing assistance will be arranged to the nearest service station in case of any emergencies.
  • You will get a personal care at the time of accidents and claim process.
  • There is a 24 x 7 helpline being offered by Royal Sundaram for claim settlements and related queries.
  • You will get a quick response and speedy authorization for repairs to let you drive your car once again with full ease and comfort.


  • The basic comprehensive coverage policy provides protection against damages to your car and offers a range of discounts.
  • It provides unlimited coverage against all kinds of liabilities to third parties involved in an accident.
  • It offers up to Rs.7.5 lakh for property damages suffered by third parties during an accident.
  • It offers protection cover for you, your paid driver, and other occupants of the car in case of an unfortunate accident.
  • It allows customers to transfer No Claim Bonus (NCB) from other insurers when renewing with Royal Sundaram car insurance.
  • In case you are member of Automobile Association of India, you will get a 5% discount on ‘Own Damage Premium’ subject to the maximum of Rs.200.
  • If the indemnity amount in case of third-party property damage reduces, you can avail a discount of Rs.100 on your third-party basic premium.
  • By opting for Rs.15,000 voluntary deductible, you can avail a 35% discount on your ‘Own Damage Premium’ subject to the maximum of Rs.2,500.

Royal Sundaram Insurance Plans

Basic Car Insurance Coverage:

The basic coverage plan offered by Royal Sundaram comes in the form of Car Shield policy, a comprehensive policy that covers both own damages and liabilities to third parties. This plan also comes with a range of discounts for customers.

    1. Cover for Own Damage: It covers any type of loss suffered by you and your vehicle through accident, fire, earthquake, storms, floods, riots, strikes, malicious acts, theft, burglary, etc. This coverage is not applicable for normal wear and tear, depreciation, or consequential loss. Damages sustained through mechanical or electrical breakdown is not covered. Damages sustained when driving without a valid licence or under the influence of alcohol or drugs are also not covered by this policy.
    2. Third-Party Liabilities: It provides a cover for the legal protection against any expenses in terms of settling third-party death claims, injury claims, third-party property claims, and other legal charges and expenses.
    3. Personal Accident Cover: It provides a cover for Rs.2 lakh in terms of personal accident for the driver or the owner or for the co-driver. If the following situations arise within 6 months of the accident date, the owner or the driver will receive compensation in terms of a percentage of capital sum insured (CSI):
      1. If the driver or the owner dies, then the cover of 100% of CSI will be provided to his/her immediate family members.
      2. In case of loss of two limbs or sight of two eyes or one limb and sight of one eye, then the cover of 100% of CSI will be provided.
      3. In case of loss of one limb or sight of one eye, then the cover of 50% of CSI will be provided.
      4. In case of permanent total disablement, then the cover of 100% of CSI will be provided.

Commercial Vehicle Insurance Plans

Royal Sundaram are not just restricted to private vehicles. The company also provides insurance plans for commercial vehicles that could seat up to 7 passengers. Like any other comprehensive insurance plan, Royal Sundaram’s commercial vehicle insurance plan offers coverage for both own damages and liabilities to third parties.

Some of the features of Royal Sundaram commercial vehicle insurance include:

  • Inbuilt personal accident cover for vehicle owner
  • Optional cover for paid driver and cleaner of the vehicle up to a maximum of Rs.2 lakh per person
  • Third-party property damage liability compensation up to Rs.7.5 lakh
  • Unlimited liability for injuries or death claims of third parties
  • Third-party liability insurance for goods carrying vehicle up to 15 years of age
  • Third-party liability insurance for passenger carrying vehicles that can seat up to 18 people

Key Benefits Of Applying

You can avail several benefits when you apply for Royal Sundaram car insurance online :

  • Time saving – You will not have to spend your precious time and effort traveling to the insurer’s office. Instead, you can instantly get the policy online without any hassles.
  • Simple process – You will only need to follow three simple steps to get your car insured by Royal Sundaram. These steps include filling out the online form, calculating the premium amount, and making the payment online.
  • Minimal documents – You will not have to submit numerous documents or deal with heaps of paperwork when you apply for Royal Sundaram car insurance online. You will only need to provide the required information for obtaining the policy.
  • Flexible payment options – You can pay using your debit or credit card and will not have to go through the trouble of withdrawing cash from an ATM to pay for the policy.
  • Online assistance – When you apply for the policy online, you can avail the online assistance service (chat service) offered by Royal Sundaram and get answers to all your queries.
  • Special discounts – You can get special discounts based on the model of your vehicle when you apply for the insurance policy online.

How to Make A Royal Sundaram Car Insurance Claim?

Before making a claim on your Royal Sundaram car insurance policy, you must understand the procedure to ensure that the claim does not fall out of place. It helps in saving time and resources. A snapshot of the claims procedure for Royal Sundaram car insurance is provided below:

  • When you decide to make a claim, contact the claims center immediately to register.
  • Do not attempt to self initiate a repair/replacement without authorisation from Royal Sundaram.
  • Upon successful registration of the claim, the representatives will provide a tracking number and arrange for a surveyor to take stock of the damage.
  • The surveyor will assess the extent of damages and submit an estimate of repairs from the workshop. At this stage, you may be required to submit registration certificate, driving license, and other related documents.
  • The duly filled claim form needs to be submitted to the surveyor for further processing. A copy of F.I.R is mandatory if damage/injury to a third-party property/person is involved.
  • After due authorisation, the repair/replacement procedure may be carried out by the insured. Availability of cashless option at select workshops will be notified by the representatives.
  • Bills, proformas & estimates must be preserved for verification from Royal Sundaram for processing of claim refunds.

Managing Royal Sundaram car insurance claim can be a cakewalk, if the laid-out procedure is followed diligently.

Documents Required To Claim

A range of documents and paperwork is required during processing of a car insurance claim from Royal Sundaram. Knowing the nature of documentation helps in faster submission, directly impacting the processing time. Below is the list of documents you require when you make a claim against your Royal Sundaram motor insurance policy.

  • Copy of the car insurance policy for reference.
  • Duly filled claim form with precise details. The form is available on the official website of the insurer for free download.
  • For company-owned vehicles, the claim form should contain signature and seal of the authorised company representative.
  • Original Registration Certificate and Driving License to be submitted to the surveyor/representative for verification.
  • Copy of F.I.R in case damage is caused to a third-party property/person.
  • For both cashless and reimbursement claims, original invoice and proof of payment is required for speedy reimbursement.
  • Ad hoc documentation as requested by the officials on need basis.

The claimant must be in regular contact with the designated POC throughout the claim procedure and must be truthful about the claim to ensure successful conclusion. Always read the original policy documents to understand the rights and responsibilities. Note important phone numbers such as the toll-free number for centralised customer service, and details of escalation officers in respective zones.


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It is important for customers owning a private car to avail a comprehensive car insurance policy which provides them protection against damage, theft, natural and manmade calamities, property damage, etc. The Car Shield insurance scheme from Royal Sundaram car insurance offers complete protection for the policyholder and his/her family with a wide range of benefits ranging from 24/7 cashless claim facility, additional break-in insurance, free vehicle inspections, roadside assistance and fast approvals for completing repairs.

Royal Sundaram provides a No Claim Bonus (NCB) for customers who abstain from making any insurance claims throughout the policy year. With the Car Shield insurance scheme, customers can transfer their NCB of up to 50%, from an earlier insurer to Royal Sundaram.

The Royal Sundaram Car Shield policy charges an amount for the depreciation value of metal, rubber, plastic, and nylon parts of a car. Royal Sundaram does not charge any depreciation amount for the first six months. After that, there is a 5% increase with every six months, on the claims done up to a period of ten years.

Yes, Royal Sundaram car insurance provides coverage for LPG/CNG kits for private cars. Customers availing Royal Sundaram car insurance can enjoy additional benefits like flexible voluntary deductibles, applicable discounts on vintage cars, and discounts for Automobile Association members.

Yes, the Car Shield policy can be cancelled by a customer at any point of time, with a notice period of seven days to the insurer. Royal Sundaram will repay any pending premium with a retention premium charge of Rs.100.