Choose Royal Sundaram Car Insurance just like you chose your car

Car Insurance from Royal Sundaram

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.

Reasons for choosing Royal Sundaram Car Insurance

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:

  • Covers for any damages/losses caused to the third party
  • Offers 100% invoice price insurance cover
  • Offers free roadside assistance kit
  • Provides comprehensive coverage for your own car
  • Protects your car against theft, natural calamities, etc.
  • Provides complete peace of mind through stress-free rides
  • Offers 24*7 claim assistance
  • Offers quick and hassle-free claim settlement services
  • Has a network of more than 3300 cashless garages across the country

Key Benefits – Royal Sundaram Car Insurance

  • Customer Service: This Company has an excellent team of customer service that offers good and hassle-free pre-sales as well as post-sales services
  • Towing facility: In case of impossibility of spot repairs, the Royal Sundaram Car Insurance offers towing services towards all the leading manufacturers in India
  • Discounts: Offers a good 35% discount on Own Damage Premium subject to Rs.2,000 maximum if you opt for a voluntary deductible of Rs.15,000
  • Accidental cover: In case of an accident, Royal Sundaram Car Insurance offers a dedicated personal relationship manager to help you and take care of your claim settlement
  • Claim Settlement: This Company has a very clean record for claim settlement
  • Add-ons: This Company offers essential add-ons for your car at an affordable costs. These add-ons enhance your basic car insurance. Depreciation cover, Third-party cover, Personal accident cover, etc. to name a few
  • Cashless claim: This company has more than 3300 cashless network garages
  • Car Shield: Offers a personal accident cover for your paid driver, yourself and if there are any other occupants in the car when your car meets with an accident

Royal Sundaram Private Car Insurance Coverage

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

  • This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property
  • This plan also includes the personal accident coverage for the owner-driver as well
  • Unlimited coverage is provided for death or injury of third party while up to Rs.7.5 Lakh are covered for property damage

Own damage

Royal Sundaram Car Insurance offers a comprehensive coverage for you and your prized possession. They offer the below coverages:

  • Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
  • Landslides and rockslides
  • Earthquake (both shock and Fire)
  • Fire, self-ignition, lighting or explosion
  • Terrorist and Malicious activities
  • Strikes and Riots
  • House breaking, burglary and theft of car

Personal Accident Cover

  • Royal Sundaram Car Insurance will pay sum insured of Rs.2 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death
  • An accident can leave you impaired to earn your as well as your family’s earning. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement

Your Royal Sundaram Car Insurance covers the below:

  • Loss or damage caused by natural calamities
  • Total Loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Personal accident cover which could include passengers also
  • Own-damage cover
  • Third-party liability cover

Add-on Features – Royal Sundaram Car Insurance

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.

Inclusion:

  • All plastic parts without depreciation.
  • All metal parts without depreciation.
  • The entire amount of all the parts of the car that requires replacement are compensated in full

Exclusion:

  • The amount of total deductible mentioned in the policy schedule.
  • Any damage caused due to mechanical breakdown and any uninsured peril
  • Any damage caused to items that are uninsured as per the policy wordings like accessories and bi-fuel/gas kit
  • Any claim raised for theft of parts and/or accessories.
  • Any claim made under Self Authorization Mode.

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.

Inclusions:

  • This add-on is applicable only when the windshield glass breaks. It doesn’t come in to account if the car is damaged.
  • In case you get the repairs done in a garage / workstation of our choice within the city where you reside and the address mentioned in the insurance policy, your no claim bonus would not be affected. However, if you get the repairs or replacement done from any other place, the incident will be treated as a separate claim and your No Claim Bonus will be affected.
  • This add-on would be applicable only for the first claim for replacement of windshield glass, during the year. Any other claim for the Windshield glass will not qualify for continuation of No Claims Bonus.

Exclusions:

  • The amount of total deductible mentioned in the policy schedule.
  • Any damage caused due to an uninsured peril.
  • Manufacturing defects.
  • Doesn’t cover depreciation on parts unless the depreciation waiver clause is opted.
  • Doesn’t cover mid-term inclusion or removal of the add-on car. You need to buy this add-on at the inception of the package policy.
  • This add-on cover is available only for new cars and cars that are 3 years old. Also it covers cars that are currently being manufactured and are not outdated.

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.

Exclusions:

  • The amount of total deductibles as mentioned in the base Package Policy
  • This cover is available only for new cars and for cars that are up to 3 years old and are currently being manufactured and are not obsolete.

Loss of baggage cover: This add-on helps you reimburse the loss of baggage in the car without affecting the no claim bonus.

Inclusions:

  • Offers coverage to the bag that has been damaged or destructed in an accident of during theft of the insured car
  • Offers coverage for the content that is personal in nature in the baggage in the insured car. The items such as shoes, belt, clothes, toiletries etc. are covered in a secured bag
  • Offers coverage if the insured car is being driven only in India during the loss

Exclusions:

  • The amount of total deductible mentioned in the policy schedule.
  • Electronic devices or items like cellphones etc.
  • Money, credit or debit cards, documents, securities, stamps, tickets, vouchers
  • Jewellery, including but not limited to watches, diamonds, precious or semi-precious stones
  • Any goods or samples carried in connection with any trade or business.
  • Baggage whilst being conveyed under a contract of affreightment or a contract of carriage.
  • Tools and equipment’s.
  • Cracking, scratching or breakage of fragile articles
  • Baggage of a consumable nature.
  • Faulty material, faulty workmanship or latent defect.
  • Wear and tear, loss of use or value.
  • Leakage, spilling or exuding of liquids oils or material of like nature or articles of dangerous or damaging nature.
  • Any goods or samples carried in connection with any trade or business.
  • Baggage whilst being conveyed under a contract of affreightment or a contract of carriage.
  • Tools and equipment’s.
  • This cover is available only for new vehicles and vehicles up to 3 years old that are currently being manufactured and are not obsolete.
  • Articles or clothes whilst being worn on the person or being carried on the person.
  • Damages due to insects or vermin, moths, rodents, moulds and mildew.
  • Articles that were earlier not a part of the baggage when the journey began and those that were not declared
  • Doesn’t offer coverage for loss, destruction or damage to the baggage discovered more than 30 days after its occurrence.

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.

Inclusions:

  • Offers daily cash allowance only once during the package policy year for making alternative arrangements of transport
  • Doesn’t offer coverage for any other benefit under this cover

Exclusions:

  • If the claim is invalid you won’t be eligible for the daily cash allowance for hiring another transport
  • Offers coverage only for new vehicles and vehicles that are up to 3 years old that are not outdated or are still being manufactured

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.

Inclusions:

  • Offers coverage for any car up to 3 years of age
  • Offers coverage only for cars plying on the Indian roads
  • Offers coverage for cars registered only in India
  • Offers coverage for private cars only
  • Offers coverage from the beginning of the policy
  • Offers coverage only post inspection of the older cars
  • Offers coverage on renewals too
  • Offers coverage to the engine, gearbox, transmission, power steering pump caused due to leakage of oil/coolant or due to water ingression while driving

Exclusions:

  • Doesn’t offer coverage to any other parts apart from those mentioned above
  • Any loss or damage due to depreciation, wear and tear and ageing
  • Doesn’t cover any losses falling under the manufacturer’s warranty
  • In case you get delayed in intimating about the incident due to water logging or corrosion etc.

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.

Inclusions:

  • Your NCB doesn’t get impacted for the first 2 claims preferred during the duration of the policy
  • Offers coverage to both individuals as well as corporates
  • Offers protection to your NCB in case of a claim made in an event of an Own damage claim for any partial loss for windshield glass, theft, total loss etc.

Exclusions:

  • The NCB drops to zero in case two own damage claims are registered
  • The NCB in the present policy should be 20%
  • Offers NCB protection only if the policy is renewed within 90 days of the expiry of the policy
  • Doesn’t allow mid-term inclusion or removal of the cover
  • Doesn’t allow coverage in case the car is not repaired under any network garages
  • Mandates compulsory inspection for old cars and only then offers the NCB protection
  • Doesn’t cover self-authorization claims

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.

Inclusion:

  • Offers coverage for expenses incurred to the stolen key, lock and lockset in case of theft
  • Offers free transportation to nearest network garages in case of loss or theft of your car key

Exclusions:

  • Offers coverage for 2 replacements during the policy period
  • Mandates FIR in case of burglary or theft
  • Mandates to deposit the duplicate keys in case of lost or stolen cases of the keys

Exclusions – Royal Sundaram Car Insurance

The claims would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process – Royal Sundaram Car Insurance

Step-by-step claim process is mentioned below:

Contact Details:

Website: www.royalsundaram.in

Toll free number: 1860 425 0000

Send an email at: customer.services@royalsundaram.in

a) In case of an Accident

  • Immediately contact Royal Sundaram Car Insurance Company on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Bill in case of a reimbursement claim is required
  • In case of cashless service submit only the Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
  • Give a brief description of the loss or damage for the car
  • Mention the details of the persons suffered injuries due to the accident or died in the accident
  • Photographs of the damaged vehicle needs to be submitted
  • Take appointment with the surveyor and take your vehicle to any of Royal Sundaram Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • The Company would confirm the liability
  • In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

b) In case of Theft

  • Immediately contact Royal Sundaram Car Insurance Company on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted
  • Photographs of the vehicle needs to be submitted
  • Submit the NOC given by the financer for total loss and theft
  • Submit the Power of Attorney or Subrogation in case of total loss
  • Submit the discharge voucher
  • Set of the car keys
  • Submit the indemnity bond
  • Original Repair Bill in case of a reimbursement claim is required
  • Duly signed Form 28, 29, 30 and Form 35.
  • Inform your RTO about the theft
  • Inform your financier immediately of the theft and ask them to discuss the case directly with your insurer this might expedite the claim process.
  • Inform Royal Sundaram Car Insurance Company in case the police traces your car
  • Final confirmation with “No Trace Report” of the insured vehicle from the police
  • The Company would confirm the liability and settle your claim

c) In case of Third Party Claims

  • Immediately contact Royal Sundaram Car Insurance on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier
  • Lodge a claim by filling in the duly signed Claim Form by the insured
  • Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted
  • FIR report also needs to be submitted if required
  • Take appointment with the surveyor and take your vehicle to any of Royal Sundaram Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
  • The Company would confirm the liability
  • In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

Important information to submit while intimating a claim

  • Your Contact Numbers
  • Policy Number
  • Name of Insured person
  • Date & Time of accident
  • Vehicle number
  • Make and Model
  • Location of Loss
  • Brief description on how the accident took place
  • Name of Driver
  • Place & contact details of the Insured Person if the person intimating the claim is not insured.

Review – Royal Sundaram Car Insurance

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.

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3.7 (3 votes)