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Royal Sundaram Two Wheeler Insurance

Taking care of your two-wheeler is your responsibility. Hence, it is always advisable to invest in a two wheeler insurance plan that protects your vehicle from all possible risks.

The first insurance company to introduce the cashless claim process for motor vehicles.

Royal Sundaram, a known name in the insurance space, provides two wheeler insurance plans that offer complete financial protection for your two wheeler against any unforeseen incidents, including damages or loss to you, your bike or a third party.

Key Features of the Royal Sundaram Two Wheeler Insurance

The key features of the Royal Sundaram Two Wheeler Insurance are mentioned below:

  • Online Policy: Buy new or renew your two wheeler insurance policy online.

  • Claim settlement: Offers quick and hassle-free cashless claim settlement process.

  • Discounts on OD premium: Discount is granted on Voluntary Deductible, No Claim Bonus (NCB), Automobile Association membership and on installation of an anti-theft device.

  • Long-term two wheeler insurance: Covers your two wheeler for 2 or 3 years in a single policy.

Benefits of the Royal Sundaram Two Wheeler Insurance

The benefits of the Royal Sundaram Two Wheeler Insurance are mentioned below:

  • No claim bonus: No claim bonus discount can be availed for every claim free year and NCB is transferable from one insurer to another.

  • NCB Protection: NCB will not become nil in case of a single claim during the policy tenure of 3 years.

  • Add-on covers: Royal Sundaram Insurance offers you with additional optional add-on covers.

  • Payment: You can pay the premiums online using various payment services. You can simply make a one-time payment for a long-term policy.

  • Pillion cover: You can also avail an optional coverage for an unnamed co-passenger.

  • Network of garages: Royal Sundaram has a network of more than 3300 garages across India.

Coverage of Royal Sundaram Two Wheeler Insurance

Royal Sundaram Insurance offers two types of two wheeler insurance, third party and package policy. Below are the details of both the coverage options for insuring your vehicle.

Third Party Liability Insurance

  • This type of two wheeler insurance is mandatory as per the Motor Vehicles Act, 1988.
  • This offers coverage against liabilities arising out of damages caused to a third party or property by the insured vehicle.
  • The liability coverage covers accidental death, physical injury and/or the damage to the vehicle and property.
  • It also provides personal accident coverage of Rs.1 lakh for the owner-rider.

Comprehensive Coverage

Royal Sundaram two wheeler Insurance covers total or partial loss/ damages to your bike due to:

  • Natural Calamities: Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.

  • Man-made Calamities: urglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

  • Personal Accident Cover:Royal Sundaram provides a personal accident cover with a coverage of up to Rs.1 lakh to the owner-driver of the insured vehicle.

Discounts offered by Royal Sundaram Two Wheeler Insurance

  • No claim bonus: For every claim-free year, Royal Sundaram Insurance offers you a discount on your own-damage premium.

The following table shows the NCB grid:

One claim-free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%

You can retain the NCB and carry forward the same if you want to purchase a new bike.

  • Voluntary deductibles: Deductible is an amount that you promise to pay when your vehicle is damaged due to an accident or any other event and a claim is lodged. Voluntary deductible plays an important role in determining your two wheeler insurance premium. Higher the deductible, lower the premium and vice-versa. If you think you are a safe and cautious rider, you should opt for high amount of voluntary deductible.

  • Discount for anti-theft device: If you've installed an ARAI approved anti-theft device in your vehicle, then you are eligible for an additional discount up to 2.5% on your own-damage premium.

  • Member of Automobile Association of India: You get a 5% (or max up to Rs.50) of discount on own damage premium if you are a member of any Automobile Association of India.

Exclusions of Royal Sundaram Two Wheeler Insurance

  • Royal Sundaram two wheeler insurance does not cover the vehicle, if the rider is riding without a valid driving license
  • It does not cover mechanical or electrical breakdown of the vehicle
  • Damage caused by a person driving under the influence of liquor/ alcohol/ drugs is not covered
  • Depreciation or any consequential loss
  • Loss/Damage caused due to War/Mutiny/Nuclear risks
  • Damage to the tyres/tubes.
  • If the vehicle is used for Hire or Reward, speed testing or Racing, Reliability Trials.

Claim Process of Royal Sundaram Two Wheeler Insurance

Contact Details:

Registered Address:

Royal Sundaram General Insurance Co. Limited No.21,

Patullos Road,

Chennai - 600 002

Corporate Office Address:

Royal Sundaram General Insurance Co. Limited

Vishranthi Melaram Towers

No.2/319, Rajiv Gandhi Salai(OMR)


Chennai - 600097

Toll Free number: 1860-425-0000


Step-by-step claim process is mentioned below:

a) In case of an Accident

  • Immediately contact Royal Sundaram Insurance on their toll-free number 1860-425-0000
  • Lodge a claim with the duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt
  • Form 35 & original NOC from financer in case of total loss where payment is made to the insured

b) In case of Theft

  • Immediately contact Royal Sundaram Insurance on their toll-free number 1860-425-0000
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 26, 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact Royal Sundaram Insurance on their toll-free number 1860-425-0000
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  1. The first thing to make a claim is to call on the Royal Sundaram Insurance General Insurance’s toll-free helpline number - 1860 425 0000
  2. Take appointment with the surveyor and take your vehicle to any of the Royal Sundaram General Insurance authorized network garages for repairs and for cashless services. Submit the required documents to the surveyor. For company owned vehicles, the company seal and authorised person’s signature should be affixed in the claim form.

  3. Company confirms the liability

  4. If possible, opt for the cashless garage facility, the company will settle the repair bills directly with the garage up to the amount payable

  5. But in case you do not opt for cashless facility, you will have to pay for the repair charges and then submit the bills with the claim form to the surveyor/company for settlement

  6. Vehicle Delivery

Review of Royal Sundaram Two Wheeler Insurance

Royal Sundaram Company ensures 24*7 customer support with an excellent claim settlement process. Royal Sundaram has around 3300+ network garages all over India to help you in cashless claim settlement process. In fact, Royal Sundaram was the first to start with cashless claim settlement services for their customers. And since then they have had a robust base of faithful customers across the country. The two wheeler insurance premiums are pocket friendly, and you can easily buy insurance online instantly. Moreover, provide a cover to your two-wheeler for a long-term either for 2 or 3 years in a single policy and stay worry-free. If you are looking for a trustworthy brand that has PAN India base to support you at the time of claims, Royal Sundaram is a must-go insurance provider.