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Royal Sundaram Bike Insurance offers comprehensive financial protection for motorcycles, scooters, mopeds, and electric two-wheelers against accidents, theft, fire, natural calamities, and third-party liabilities. Established in 2000, Royal Sundaram General Insurance is one of India's leading general insurance companies, serving over 4 crore customers across the country.
The insurer offers comprehensive, standalone own damage, and third-party bike insurance plans, along with online policy purchase, renewal, policy download, and claim support services. With access to over 8,000 network garages and a wide range of add-on covers, Royal Sundaram helps riders stay financially protected on every journey.
Royal Sundaram is a trusted general insurance company offering bike insurance plans with comprehensive coverage, cashless garage support, easy claim settlement, and convenient digital policy services.
| Policy Types | Comprehensive, Third-Party, and Standalone Own Damage Insurance |
| Cashless Garages | 8,000+ network garages across India |
| Customers Served | 4 crore+ customers across India |
| Coverage Benefits | Protection against accidents, theft, fire, natural disasters, and third-party liabilities |
| Add-On Covers | Nil Depreciation, Return to Invoice, Engine Protector, and Roadside Assistance Cover |
| Claim Process | Simple online and offline claim registration facility |
| Policy Services | Online purchase, renewal, claim tracking, and policy download |
| Premium Starting From | ₹538 for eligible third-party bike insurance plans |
| Personal Accident Cover | Available under comprehensive bike insurance policies |
| Digital Services | Instant policy issuance and paperless policy management |
The two Wheeler Insurance from this company offers reliable coverage, affordable premiums, and customer-focused services to help protect your bike against unexpected risks.
Royal Sundaram has served over 4 crore customers across India, making it one of the country's established private general insurers.
Policyholders can access more than 8,000 network garages across India for cashless repairs and claim assistance.
The insurer offers a simple claim registration process through online and offline channels to ensure faster claim assistance.
Royal Sundaram offers affordable bike insurance plans with coverage options for different rider requirements.
Customers can customise their bike insurance policy with useful add-ons such as Nil Depreciation Cover, Engine Protector Cover, Return to Invoice Cover, and Roadside Assistance.
Royal Sundaram Comprehensive Bike Insurance provides coverage for both own damages and third-party liabilities. It covers damages caused by accidents, theft, fire, natural disasters, and man-made events while also protecting against third-party legal liabilities.
This policy covers damages caused to the insured bike due to accidents, theft, fire, floods, earthquakes, and other covered events. A separate third-party insurance policy is required for legal compliance.
Third-party bike insurance is mandatory under Indian law and covers third-party bodily injury, death, vehicle damage, and property damage caused by the insured bike.
Coverage for accidental damages, collisions, theft, fire, natural calamities, and man-made disasters affecting the insured bike.
Protection against legal liabilities arising due to third-party injury, death, vehicle damage, or property damage.
Provides financial protection if the insured rider suffers serious injuries due to an accident.
Protection against floods, cyclones, earthquakes, storms, and other natural disasters.
Compensation for losses arising due to theft of the insured two-wheeler.
Normal wear and tear of the vehicle.
Mechanical or electrical breakdowns.
Consequential losses.
Riding under the influence of alcohol or drugs.
Riding without a valid driving licence.
Damages caused while participating in racing activities.
Damages occurring outside policy terms and conditions.
Illegal use of the insured vehicle.
Ensures depreciation is not deducted during claim settlement, helping policyholders receive a higher claim amount.
Provides compensation based on the original invoice value of the bike if it is stolen or declared a total loss.
Covers engine damage caused by water ingress, hydrostatic lock, and oil leakage.
Provides services such as towing assistance, battery jump-start, fuel delivery, flat tyre assistance, and emergency breakdown support.
| Zero Depreciation Cover | No Claim Bonus Cover | Roadside Assistance Cover |
| Return to Invoice Cover | Consumables Cover | Engine Protection Cover |
| Passenger Assistance Cover | Personal Accident Cover |
Buy Royal Sundaram bike insurance from Coverfox in a few minutes online:
Step 1: Visit Coverfox and enter your bike registration number or select your bike's make and model.
Step 2: Fill in basic details such as the bike's registration year, previous insurer, and policy expiry date.
Step 3: Compare Royal Sundaram Bike Insurance plans with policies offered by other leading insurers.
Step 4: Choose the coverage type, select the required Insured Declared Value (IDV), and add suitable add-on covers.
Step 5: Review the premium, coverage benefits, policy inclusions, and exclusions before proceeding.
Step 6: Complete the payment securely through Coverfox's online payment gateway.
Step 7: Receive your Royal Sundaram Bike Insurance policy instantly on your registered email ID and mobile number.
Customer Service: 1860 258 0000 / 1860 425 0000
Motor Claim Intimation: 1800 568 9999
Email ID: care.services@royalsundaram.in
WhatsApp Support: Available through the Royal Sundaram WhatsApp service channel
Disclaimer: *Premiums starting from ₹457 are indicative for third-party bike insurance for select models and may vary based on vehicle specifications, location, and insurer.
Yes. Royal Sundaram offers Standalone Own Damage Bike Insurance that covers damages to your insured bike caused by accidents, theft, fire, natural calamities, and man-made disasters. However, you must have a valid third-party bike insurance policy to purchase this cover.
Yes. Royal Sundaram offers long-term bike insurance plans for eligible two-wheelers. These plans help policyholders avoid annual renewals while ensuring continuous insurance coverage.
Royal Sundaram offers No Claim Bonus (NCB) benefits for claim-free policy years. The NCB can increase progressively and may reach up to 50% after five consecutive claim-free years, as per applicable guidelines.
Yes. The No Claim Bonus belongs to the policyholder and not the vehicle. If you switch from another insurer to Royal Sundaram, you can transfer your accumulated NCB by providing the required proof during policy purchase or renewal.
The Insured Declared Value (IDV) is calculated based on the manufacturer's listed selling price of the bike after applying age-based depreciation. The IDV represents the maximum amount payable in case of total loss or theft of the insured vehicle.
Yes. Royal Sundaram provides cashless repair services through a network of over 8,000 garages across India, allowing policyholders to get their bike repaired without making upfront payments for covered damages.
The commonly required documents include the claim form, policy document, vehicle registration certificate (RC), driving licence, repair estimates, and photographs of the damage. Additional documents such as an FIR may be required for theft or third-party claims.
Yes. Comprehensive Bike Insurance and Standalone Own Damage Insurance policies from Royal Sundaram cover damages caused by natural calamities such as floods, cyclones, storms, earthquakes, and other covered natural disasters.
You can contact Royal Sundaram customer care by calling 1860 258 0000 or 1860 425 0000. For motor claim intimation, you can call 1800 568 9999. You can also reach the insurer via email at care.services@royalsundaram.in or through its WhatsApp support channel.
