Royal Sundaram General Insurance Co. Ltd. Car Insurance provides comprehensive motor insurance solutions that help vehicle owners in India stay financially protected against accidents, theft, and third-party liabilities. Established in 2001, Royal Sundaram General Insurance is a trusted Indian general insurer, licensed by IRDAI (Registration No. 102), with over two decades of industry presence.
It boasts a strong market reputation backed by 7,600+ cashless garages, 2 crore+ happy customers, and ₹1,500 crore+ claims settled, reflecting its efficient claims handling. With a healthy claim settlement performance and a wide branch and garage network, Royal Sundaram General Insurance remains a reliable choice for car owners across India.
Safeguard your vehicle with a complete insurance solution that includes Own Damage (OD) cover for accidental loss or damage to your car, along with Third-Party (TP) liability coverage to protect you against legal and financial liabilities arising from injury, death, or property damage to others.
Enjoy hassle-free repairs with access to 7,600+ cashless garages across India, ensuring quick service, quality repairs, and minimal out-of-pocket expenses wherever you are.
Get rewarded for safe driving with a No Claim Bonus of up to 50% on your premium for every claim-free year, helping you save significantly over time.
Secure yourself and your loved ones with a ₹15 lakh Personal Accident (PA) Cover, offering financial protection in case of accidental death or permanent disability of the owner-driver.
Avoid the hassle of annual renewals by opting for a long-term policy with up to 3-year renewal, ensuring uninterrupted coverage and peace of mind.
Reduce out-of-pocket expenses during claims with unlimited zero depreciation cover up to the Insured Declared Value (IDV), ensuring maximum claim settlement without factoring in wear and tear.
Enjoy the freedom of making unlimited claims during the policy period without restrictions, subject to policy terms and conditions.
Experience quick and convenient inspections with a free vehicle inspection completed in under 20 minutes using the M-Inspection App, making policy issuance fast and seamless.
Here’s why you should select Royal Sundaram Car insurance for your vehicle:
Access to 7,600+ network garages across India ensures smooth, cashless repairs, even while travelling out of your home city.
A high claim settlement ratio and efficient processes help reduce stress during accidents or repairs.
Flexible add-ons like zero depreciation, engine protect, roadside assistance, and consumables cover let you tailor the policy to your needs.
Online purchase and renewal, digital vehicle inspection, and app-based (M-Chatra) claims tracking make the entire journey quick and paperless.
Seamless No Claim Bonus transfer when switching from another insurer helps lower your premium without losing benefits.
Royal Sundaram Car Insurance is ideal for private car owners who want reliable, end-to-end protection and minimal claim hassles. It suits frequent travellers who benefit from a wide garage network, and drivers seeking comprehensive coverage with add-on flexibility. The policy is especially helpful for those in flood-prone areas (with engine protect add-ons) or owners who want peace of mind against breakdowns and repair costs through zero-dep and roadside assistance options.
Royal Sundaram Car insurance provides a variety of plans, and the cover ranges from third-party only liability to own-damage cover that insures damages caused by natural disasters, accidents, man-made hazards, fire, theft, etc. Here are the plans by Royal Sundaram:
This is an extensive cover from Royal Sundaram, also known as a comprehensive car policy. It covers both third-party and Own Damages. One of the most popular plans, comprehensive coverage ensures your car is protected from all ends, and this policy can also be extended through add-ons.
This is the most basic car insurance policy from Royal Sundaram. It covers basic legal liability of the car, in case of an accident towards a third party. This policy ensures you are legally covered and avoids any fines. Under this motor insurance liability only cover, Royal Sundaram will compensate any damages to a third-party in an accident caused by the policyholder’s vehicle, providing 100% coverage for death/injury, and up to ₹7.5 lakh for property damage.
Royal Sundaram Standalone Own Damage Cover lets car owners protect their vehicle against accidents, theft, fire, and natural calamities, even when the mandatory third-party policy is bought from another insurer. It is ideal for customers who want flexible coverage without changing their existing third-party insurer.
| What Is Covered | What Is Not Covered |
|---|---|
| Loss or damage to the insured car due to accidents, collisions, or overturning | Normal wear and tear, ageing, or routine maintenance costs |
| Damage caused by fire, explosion, self-ignition, or lightning | Mechanical or electrical breakdown unless covered via an add-on |
| Theft, burglary, or housebreaking of the insured vehicle | Loss or damage when the vehicle is used for unauthorised purposes |
| Loss due to natural calamities such as floods, cyclones, earthquakes, storms, or landslides | Driving under the influence of alcohol or drugs |
| Damage due to riots, strikes, malicious acts, or terrorist activities | Damage arising from war, invasion, civil war, or nuclear risks |
| Damage during transit by road, rail, inland waterways, lift, or air | Consequential losses and depreciation (unless Zero Depreciation add-on is opted) |
| Third-party liability cover for injury, death, or property damage (under a comprehensive policy) | Contractual liabilities not arising under motor laws |
| Personal Accident Cover for the owner-driver (as per policy terms) | Claims where the driver does not hold a valid driving licence |
| Coverage for declared electrical and non-electrical accessories fitted in the car | Damage due to racing, speed testing, or illegal activities |
| Optional add-on covers such as Zero Depreciation, Engine Protect, and Roadside Assistance | Losses excluded under specific add-on conditions if not purchased |
Royal Sundaram offers a rich and highly customisable range of add-ons that enhance protection beyond a standard car insurance policy. These add-ons are designed to reduce out-of-pocket expenses, improve claim payouts, and provide superior convenience across petrol, diesel, hybrid, and electric vehicles.
Covers the full cost of replaced parts without applying depreciation, ensuring higher claim settlements. Suitable for cars up to 10 years old.
Covers repair or replacement of the windshield without impacting your No Claim Bonus when the claim is limited to glass damage.
Lets you share a fixed portion of the claim in exchange for a 15%–35% discount on the own-damage premium—ideal for low-risk drivers.
Reimburses loss or damage to personal baggage kept inside the insured car due to accident or theft, without affecting NCB for baggage-only claims.
Provides a daily cash allowance for alternative transportation when your car is under repair for more than one day following an accident.
Covers damage to the engine, gearbox, transmission, and power steering caused by water ingress or oil leakage, including labour and consumables—especially useful during monsoons.
Safeguards your No Claim Bonus even after up to two own-damage claims in a policy year, applicable when NCB is 20% or higher.
Covers the cost of repairing or replacing lost or damaged car keys, including labour charges.
Covers the repair or replacement of tyres damaged due to cuts, bursts, or bulging, even without an accident. Reimbursement is based on tread depth.
Offers extended personal accident protection up to ₹50 lakh for the owner-driver, passengers, and paid driver, covering death and permanent disability.
Reimburses the full invoice value of the vehicle, including road tax, registration, and insurance, in case of total loss or theft, with multiple plan options.
Provides nationwide emergency services such as towing, battery jump-start, flat tyre assistance, and fuel delivery (excluding islands).
Protects critical hybrid vehicle components like the battery, inverter, and motor against power surges, short circuits, and water ingress.
Covers the cost of consumables such as engine oil, coolant, nuts, bolts, and AC gas during accident repairs, helping reduce out-of-pocket expenses.
Includes vehicle pick-up, repair at a preferred garage, drop-off, and a six-month warranty on replaced parts for smoother claims.
Covers loss of personal items like mobile phones, laptops, and clothing due to accident or theft from the insured vehicle.
Offers premium savings based on declared annual mileage, making it ideal for low-usage car owners.
A premium assistance option with extended towing up to 200 km, hotel accommodation, taxi support, legal and medical coordination, EV assistance, and repatriation benefits.
Designed for electric vehicles, covering the EV battery, motor, BMS, charger, and cables against power surge, short circuit, and water ingress.
Reimburses hospitalisation costs for the insured and passengers following an accident requiring 24-hour inpatient care.
Offers comprehensive support, including breakdown help, legal coordination, hotel assistance, EV battery support, and doctor-on-call services.
Source - Royal Sundaram Add-ons
You can buy or renew Royal Sundaram Car Insurance online through Coverfo. Just follow these steps:
Visit Coverfox and select Car Insurance.
Enter your car details (registration number, variant, fuel type, etc.).
Enter previous policy details for renewals.
Click on View Quotes to see plans from multiple insurers.
From the list of insurers, select Royal Sundaram General Insurance Co. Ltd.
Choose your preferred plan and customise it with suitable add-ons.
Make the payment securely online.
After payment, Royal Sundaram may conduct a quick digital vehicle inspection via its m-Inspect app, usually completed within 20 minutes. After payment is confirmed, the policy is issued instantly and sent to your registered email.
Royal Sundaram has a wide network of 7,600+ Cashless Garages in India. At these garages, you can take advantage of the cashless claim facility provided by Royal Sundaram. Upon approval, get repairs done at these garages without upfront payment (the payment will be settled by Royal Sundaram). You can find a specific cashless garage by following these steps:
Select Car Garage
Enter your City/Pin-code Details
Enter your Car Manufacturer
Click on Locate Garage
1860 258 0000
1860 425 0000
1800 568 9999
+91 78457 04888
Royal Sundaram General Insurance Co. Limited No.21, Patullos Road, Chennai - 600 002
Royal Sundaram Car Insurance provides financial protection against own-damage to your car due to accidents, theft, fire, and natural calamities, along with mandatory third-party liability cover. Coverage can be enhanced with multiple add-ons.
Yes. Royal Sundaram is an IRDAI-licensed insurer (IRDAI Reg. No. 102) with over two decades of presence in India and a strong reputation in motor insurance.
Royal Sundaram offers Third-Party Only, Standalone Own Damage, and Comprehensive Car Insurance policies, along with long-term options.
It covers own-damage losses (accidents, theft, fire, natural calamities), third-party injury/property damage, personal accident cover for owner-driver, and declared electrical and non-electrical accessories.
Exclusions include normal wear and tear, mechanical or electrical breakdown (without add-ons), driving under the influence, use for unauthorised purposes, an invalid driving licence, and war or nuclear risks.
Popular add-ons include Zero Depreciation, Engine & Gearbox Protection, NCB Protection, Roadside Assistance (including Supreme plan), Consumables Cover, Return to Invoice, Tyre Cover, Key Replacement, EV Protect, and Smart Use (Pay As You Drive).
The premium depends on factors such as the car’s IDV, age, variant, location, claim history, chosen add-ons, and NCB (if applicable).
You can buy or renew the policy online via insurance platforms like Coverfox by entering car details, selecting Royal Sundaram, choosing a plan, completing payment, and undergoing digital inspection if required.
Claims can be initiated online, via customer support, or through the mobile inspection process. For cashless claims, the car can be repaired at a network garage after claim registration and inspection.
Yes. Royal Sundaram has a 7,600+ strong cashless garage network across India for hassle-free repairs.
NCB is a discount on the premium for every claim-free year and can go up to 50%. It can also be transferred from another insurer when switching to Royal Sundaram.
Typically required documents include RC copy, driving licence, policy document, FIR (if applicable), claim form, repair estimate, and photos/videos of damage as requested during inspection.
