Royal Sundaram Two Wheeler Insurance

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Royal Sundaram Two Wheeler Insurance

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Royal Sundaram Two Wheeler Insurance is a bike insurance policy offered by Royal Sundaram General Insurance (previously known as Royal Sundaram Alliance Insurance Company Limited), a joint venture of Sundaram Finance Limited.

The insurer was the first in the country to partner with banks for selling retail insurance products. With over 4.5 million customers, 2000+ employees and 156 branches across India, Royal Sundaram was the first insurer to introduce in-house Motor Assessors (IMAs). The different type of two wheeler insurance cover offered by Royal Sundaram are loss or damage to your two-wheeler, liability to third parties and personal accident cover


Key Features of the Royal Sundaram Two Wheeler Insurance

  • Online facility: 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.

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Benefits of the Royal Sundaram Two Wheeler Insurance

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

  • No Claim Bonus (NCB): 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 Insurance

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.

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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:

No. Of Years Discount
One claim-free year
Two consecutive claim-free years
Three consecutive claim-free years
Four consecutive claim-free years
Five consecutive claim-free years

Voluntary discounts

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.

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Claim Process of Royal Sundaram Two Wheeler Insurance

Contact Details:

  • Royal Sundaram General Insurance Co. Limited No.21, Patullos Road, Chennai - 600 002
  • Toll Free number: 1860-425-0000
  • Send an email at

Required steps and supporting documents

a) In case of Accident

  • Immediately contact HDFC ERGO on their toll-free number 022/0120-6234 6234
  • Lodge a claim with 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 insured
  • b) In case of Theft

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858
  • 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 Bajaj Allianz on their toll-free number 1800-209-5858-
  • 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:

    • The first things to make a claim is to call on Bajaj Allianz General Insurance’s Toll-Free Helpline number - 1800-209-5858
    • Take appointment with the surveyor and take your vehicle to any of Bajaj Allianz General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
    • Company confirms liability
    • If possible, 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
    • Vehicle Delivery

    Royal Sundaram Two Wheeler Insurance Company Review

    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.

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    Customer Reviews
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