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Car insurance from Royal Sundaram ensures protection to your prized possession in a complete manner against any unforeseen situations. With the vulnerability of accidents on a rise, it’s highly important to invest in a car insurance plan that protects your car during such situations. Car insurance from this company offers you a comprehensive coverage covering all the possible misfortunate events. The company has around 3300+ network garages all over India, thereby making it extremely easy for car owners to get real time assistance in the times of need.
In India, as per the Motor Vehicles Act of 1988, it is mandatory that every vehicle being driven on the road be insured. This rule applies to your Car too. Broadly, car insurance is divided into two categories i.e. third-party car insurance and comprehensive car insurance. However, you’ll be surprised to know [if you don’t know already] that only the third-party liability insurance is mandatory by law. Buying a comprehensive car insurance policy is a just a matter of choice.
Let’s find out some of the important reasons to insure your car with Royal Sundaram Car Insurance:
You can customize the Royal Sundaram Private Car Insurance Policy as per your car’s requirement. It is important to understand the coverage before actually opting for a car insurance policy. Remember to insure your car adequately. It is not advisable to be covered insufficiently.
Third- Party liability insurance
Royal Sundaram Car Insurance offers a comprehensive coverage for you and your prized possession. They offer the below coverages:
Personal Accident Cover
Your Royal Sundaram Car Insurance covers the below:
Royal Sundaram offers Car Shield that comes with 9 unique add-on covers that offers an extra touch of protection at a minimal rate. Besides the above-mentioned inbuilt coverages, Royal Sundaram Car Insurance policy also has optional riders which can be selected by paying an additional premium. These riders include enhance your basic car insurance policy.
Depreciation Waiver Cover: This add-on cover offers depreciation waiver on metal and plastic parts in case of partial loss/claim. This cover ensures you the entire claim amount without deducting the depreciation on the parts that are replaced.
Windshield Glass Cover:In case the windscreen glass either the front or the rear or both accidentally breaks and if there is a requirement of a repair or a replacement, you can make use of the windshield glass cover without affecting your No claim bonus. This is how you can protect your no claim bonus.
Voluntary Deductible Cover:If you raise a claim and voluntarily agree to pay the stipulated amount of claim, then Royal Sundaram Car Insurance will pay the claim amount only for damages in excess of this limit of Voluntary Deductible. This is how you can save good amount on your car insurance premium. You will be then eligible for a discount on your premium that ranges from 15% to 35% on the Own Damage Premium. You may opt for a voluntary deductible that ranges from Rs.1,500 to Rs.15,000. By opting the voluntary deductible cover, you can save the value of your car too.
Full Invoice Price Insurance Cover:This add-on comes to rescue to get you a full reimbursement in case of theft or total damage on the invoice amount of the car. Usually for a new vehicle for the first time, the insurance cover is offered on 95% of the manufacturer’s list price. However, if you opt for the full invoice price insurance cover, you would be eligible for 100% of the list price for insurance coverage.
Loss of baggage cover: This add-on helps you reimburse the loss of baggage in the car without affecting the no claim bonus.
Spare Car Clause: In case of your car breakdown, this add-on offers you daily cash benefit when your car is being repaired. If your car is in repairs for a valid claim, Royal Sundaram offers you a daily cash allowance for hiring another transport and if the repair takes more than a day.
Engine Protection: Mind you, in case you live in one of those areas that are prone to heavy rainfall, this cover is a must for you. It protects you against the expenses involved in the repair of your car’s engine in case it is damaged due to submersion in water.
NCB Protector: Your cautious driving earns you a 20% to 50% No Claim Bonus on your own-damage premium for every successful claim free year. However once you claim, discounts will be reset to zero. This add-on assists you by retaining your discounts even if you tend to make some smaller claims as per the policy terms.
Key Protector Cover: In case the keys of your insured car are lost/ misplaced or stolen, then the expenses would be borne by this add-on including the labour costs.
The claims would not be admitted under the below exclusions:
Step-by-step claim process is mentioned below:
Toll free number: 1860 425 0000
Send an email at: email@example.com
a) In case of an Accident
b) In case of Theft
c) In case of Third Party Claims
Important information to submit while intimating a claim
With a robust base of faithful customers clubbed with sturdy Pan India branch setup, Royal Sundaram’s Car Insurance Plans are reasonably priced and cost-optimized. Also the premiums are viable, pocket friendly and accounted for. This Company ensures 24*7 customer support and an excellent claim settlement process too. Their excellent inspection team offers you high service standards, why makes Royal Sundaram Car Insurance one of the best private insurer’s in India.