"Spending a whole day looking for insurance is fun," said nobody, EVER!

    Royal Sundaram Car Insurance

    Car Insurance
    • Get third party cover at low premiums
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Royal Sundaram General Insurance was established in 2000 and has ever since been catering to the insurance needs of people. Apart from car insurance they also offer services in general, health, travel and accident insurance.

    Car Insurance Online from Royal Sundaram Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 3300+
    Incurred Claim Ratio 2016-17 82.15%
    Net Earned Premium NA
    Covers Provided
    • No claim bonus
    • Depreciation cover
    • Invoice cover
    • Voluntary deductible
    • Personal belongings
    • Alternative car
    • Engine protect
    • Key protector
    Features
    • Quick claim settlement
    • Instantaneous purchase
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

    Features and Benefits

    • Easy online purchase- Buying a policy is a simple, quick and easy process. You can instantly buy the policy online on their website
    • A number of discounts- Royal Sundaram offers customers a number of exciting discounts. Those who are part of automobile associations are eligible for a 5% discount. Other discounts are offered include no claim bonus, discount on third-party premium and own damage premium discount of 35%.
    • Quick claim settlement- Claims are settled in a quick and hassle-free manner through various means. Claims can be made online through their website by filling out a claim form or contacting a customer care executive on the toll-free number. The customer support executive will take you through the step-by-step process involved in making a claim, be it reimbursement or cashless claims through network garages.
    • Insurance advisory team- A dedicated team of expert insurance advisors are always available to solve queries, inform prospective buyers about various insurance terms, conditions and benefits, address claim settlement issues or any other problems.
    • Good cashless network- Customers can avail cashless network garage services directly, without any inconvenience, across the country. The wide network provides customers quick access to servicing facilities at the time of an emergency.
    • Wide range of add-ons- Customers can choose to customize their insurance policy with the extensive variety of add-on options that can be availed by paying an extra premium amount. Some of the options include depreciation cover, windshield cover, spare car, loss of baggage, no claim bonus and voluntary deductible cover.
    • Paperless transactions- With flexible online payment options, customers do not have to go through the stress of documentation and endless paperwork. All transactions can be done in an easy and paperless manner.

    Easy Steps To Apply for Royal Sundaram Car Insurance

    • Log on to the Royal Sundaram General Insurance page and go to the motor insurance section.
    • Click on the ‘Apply Now’ option. This will redirect you to the car insurance application page. Here, all you have to do is provide some basic details such as name, mobile number, email-id and type of policy you may want to choose.
    • Once this is done, click on the ‘Submit’ button and a customer care executive will call you back with relevant details.
    • The insurance support executive will take you through the stepwise process of how to apply for an insurance.
    • Once you are happy with the insurance quote, you can choose to easily make an online payment, upon which the policy documents will soon be shared with you.
    • You can also choose to chat with the customer support executive on their website to resolve any queries related to the purchase of your policy.

    Why Royal Sundaram Car Insurance

    Instant purchase
    Hassle-free claim settlement
    Number of discounts
    Customizable plans
    24/7 customer support
    Dedicated team of advisors
    Cashless networks

    Add-on covers on Royal Sundaram Car Insurance

    Let's explore the various add-ons offered under Royal Sundaram Car Insurance:

    • Depreciation cover- This add-on offers customers the protection against loss due to the depreciation of car parts over a period of time. Therefore, this add-on gives policyholders the benefit of receiving the full claim amount without any deductions. Plastic and metals parts of the car are covered under this feature.
    • No claim bonus- Policyholders can avail discounts on no claim bonus at the time of renewal. Discounts of up to 50% can be availed under this. This benefit can be made even after making as many as two claims during the policy period.
    • Windshield cover- Any damages that occur to the windshield of the car will be covered under this add-on. This can be availed without the no claim bonus getting affected. The premium amount for this feature is Rs.50. Also, this add-on can be availed only if the car in question is 3 years or less than 3 years old. The model of the car cannot be out of the market.
    • Voluntary deductible- This gives the policyholder the benefit of paying a lesser premium by entering into an agreement to pay a certain amount during the claim process. The amount that can be paid under this add-on ranges from Rs.1,500 to Rs.15,000.
    • Invoice cover- This allows policyholders to get the benefit of getting coverage for the entire amount of damage caused. Basically, this means that at the time of reimbursement the full listed price of the car will be covered. However, please note that this is available only for vehicles that are 3 or less than 3 years of age.
    • Baggage cover- Coverage is provided in the event of loss of any personal belonging that has been locked up in the car during the time of an emergency or unfortunate event. The items not included are electronic items such as cell phones, cameras, watches, computing devices, jewellery, tools and equipment, and consumables baggage.
    • Additional car- In case the vehicle in question is undergoing repairs at a cashless garage or is in a state that it cannot be used due to irreversible damage, spare car services can be availed by the policyholder. A certain specified sum will be provided on a day to day basis to cover the cost of this expenditure.
    • Engine protect- Coverage will be provided to engine and engine related parts such as the gear box, transmission box, power steering etc. This is applicable if the damage is caused due to any kind of water seepage to the internal engine related parts or due to the leaking of lubricating oil.
    • Key protect- If the keys of the car are lost, damaged due to an accident or fire, the cost of repair and replacement will be covered under this add-on option. This also provides coverage for expenses incurred for repairing or replacing lock and lock sets. This claim can be made 2 times during the tenure of the policy. An FIR needs to be submitted to the insurer to avail this benefit in case of a robbery and duplicate keys must be submitted.

    Inclusion & Exclusion under Royal Sundaram Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
      War related risks
      Consequential loss
      Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - Royal Sundaram Car Insurance

    • The Insured Declared Value (IDV) is basically the sum that is assured by the insurance provider to the policyholder when a claim is made. This amount is determined by various factors.
    • The IDV of the vehicle in question is determined based on the manufacturer's listed price and the brand of the car.
    • The IDV is determined based on an agreement between the insurer and the insured party if the vehicle is older than 5 years. Given below is a sample of how IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    Royal Sundaram Car Insurance Cashless Garages

    Wth over 3,800 cashless network garages across the country, Royal Sundaram offers the finest quality of services at designated workshops. Here, customers can directly approach the concerned network garage without any hassle or inconvenience. Claims are settled in a speedy and efficient manner through an effective team of cashless insurance advisors and managers. In order to locate the nearest cashless network garage in your city, all you have to do is log on to their website, go to the car insurance section and click on the ‘Cashless Garages List’ option. This will redirect you a page where all you have to do is fill out your state, city, and name of your car manufacturer. You will soon be given the nearest network garage that is available in your city and you can choose as per the locality you live in.

    Claim Process for Royal Sundaram Car Insurance

    Making a claim is an easy and hassle-free process with online facilities. However, it is important to understand the basic process of how to make a claim and know what documents are required in order to make a successful claim. The first step is to notify the insurance provider and seek relevant information from the customer care executive in case there are any queries. A 24/7 claims team is always at the disposal of the policyholder to resolve any claim related issues. There are two types of claims that can be, the first one being cashless claims and the other type being reimbursements. Cashless claim services can be availed directly from the empanelled network garage. Reimbursements can be claimed after the expense has occurred and the policyholder needs to provide adequate bills and invoices to make this type of claim. Also, in certain cases, especially like theft or third-party bodily injury, it is mandatory to file an FIR as soon as possible at the nearest police station. To file a claim call their toll-free number or write to their official email-id, a service executive will contact the policyholder as soon as possible.

    Cashless Claim Process for Royal Sundaram Car Insurance

    Let’s explore the cashless claim process:

    • Intimate the insurance provider by calling the toll-free number or writing to them online. This is not a mandatory step and one can also directly take the car to the concerned network service provider
    • Repair works will not be initiated unless the damaged car is surveyed by the designated survey team
    • A survey will be carried out after the claim is intimated
    • Fill in the claim form and submit all relevant documents
    • You can avail towing services to get the car towed to the nearest network garage.
    • Once the car is repaired, the payment will be made directly by the insurance provider to the concerned network garage.

    Reimbursement Claim Process for Royal Sundaram Car Insurance

    Let’s explore the reimbursement claim process:

    • Keep all bills and invoices ready
    • Intimate the insurance provider
    • Fill in the duly signed claim form and submit all relevant documents
    • The reimbursement will usually take place within 7 working days

    Royal Sundaram Car Insurance Reviews

    • Royal Sundaram Car Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I had applied and got a car insurance from a private sector insurance company ROYAL SUNDARAM GENERAL INSURANCE. My annual premium amount is Rs. 4,435/- which i feel very affordable. I prefer on line payment type to renew my insurance policies with in due time. I didn't have any claim experience therefore I am unable to comment on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • Royal Sundaram Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram. I am satisfied with the policy, as the policy coverage is good. My final premium is around Rs. 12,187 and Idv is around Rs. 3,74,850. The processing was done on time I haven't taken any claim till now.
      Was this review helpful? 0
      , belgaum
      Reviewed on Feb 23, 2018
    • Royal Sundaram Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a car policy from Royal Sundaram. My final premium is around Rs. 22,227 and Idv is around Rs. 19,11,000. The policy is fine and satisfactory I did not see any issue with the policy. The processing was also done on time, and happy with their customer service as well.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "Best "
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Royal Sundaram. The policy is fine, I did not face any issues, The premium amount and is also good as well, The final premium is around Rs. 12,243 and Idv is around Rs. 4,04,677. The processing was done on time and the customer service is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Royal Sundaram. The policy is fine it is satisfactory, the final premium that I paid for the policy is around Rs. 18,948 and Idv is around Rs.4,02,500. The processing was done on time everything is fine. I would rate this policy as average.
      Was this review helpful? 0
      , katni
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "better"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a prestigious insurance company ROYAL SUNDARAM GENERAL INSURANCE. I didn't have any claim experience so i cant able to comment on it. But i can say my premium is affordable which is Rs. 8,745/-. Mostly all benefits are covered under this one policy. I think no need to top up for any other insurance plan.
      Was this review helpful? 0
      , indore
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "The best experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance policy from a well known insurance company name ROYAL SUNDARAM GENERAL INSURANCE. I feel my premium is too high by comparing with other insurance polices ie: Rs. 14,225/-. They are providing additional cashless benefits which is covered under this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "A good experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance from ROYAL SUNDARAM GENERAL INSURANCE through a on line partner. My premium is Rs. 14,820/- which is very affordable by comparing with other insurance polices. I didn't have any claim experience, therefore I am unable to comment on it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • Royal Sundaram Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance from a prestigious insurance company ROYAL SUNDARAM GENERAL INSURANCE. I feel my premium amount is quite high which is Rs. 3,923/-. The customer support is good and well responsive. Mostly all benefits are covered in one single policy. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram, I am satisfied with the policy. I received the policy hard copy after I made a few calls to customer service, rest everything was fine. I made the final premium amount of around Rs. 6,690 and Idv is around Rs. 2,59,615.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram. My final premium is around Rs. 6,899 and and the Idv is around Rs. 1,95,615. I have not received the hard copy till now for the policy. But the policy coverage and services I am happy with it.
      Was this review helpful? 0
      , tirupati
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Royal Sundaram. My final premium is around Rs. 18,875 and Idv is around Rs. 10,64,351. They offer bumper to bumper facilities. My only issue was with the processing time which they took nearly 1 month, if they could improve on that services it would be great.
      Was this review helpful? 0
      , mysore
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Royal Sundaram. My final premium is around Rs. 18,875 and Idv is around Rs. 10,64,351. They offer bumper to bumper facilities. My only issue was with the processing time which they took nearly 1 month, if they could improve on that services it would be great.
      Was this review helpful? 0
      , mysore
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance policy from Royal Sundaram. The policy was fine I did not face any kind of issues or any claim experience so it is hard to comment. But I was satisfied with the policy, the premium amount and Idv was also OK. I would rate this policy as average.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance policy from Royal Sundaram. It was a good policy but only thing about the policy was it was a bit expensive. I have a claim experience and it was good. I was better when it come to have taken claim from this policy, so based on that I would rate this policy as average.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram. Based on the premium amount and Idv I am receiving I am happy with the policy. The final premium is around Rs. 8,135 and Idv is around Rs. 3,81,937. I do not have any claim experience so I can give any feedback on that.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "A good experience"
      0.5 3.5/5 "Pretty good"
      I had applied and got the car insurance from ROYAL SUNDARAM GENERAL INSURANCE through a on line partner. They didn't send my hard copy document. I didn't have any claim experience so i cant able to commit it. I think that all the benefits are covered in one single policy.
      Was this review helpful? 0
      , pilani
      Reviewed on Feb 17, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram. My final premium is around Rs. 9,472 and Idv is around Rs. 3,15,180. The policy is good and satisfactory, I received the policy on time, the customer service is also good, I would like to rate as 4 out of 5.
      Was this review helpful? 0
      , dhenkanal
      Reviewed on Feb 16, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Royal Sundaram. My final premium is around Rs. 13,853 and Idv is around Rs. 4,98,456. I am satisfied with the policy coverage, they have provided the policy on time. I have not made any claim till now but the services and policy is good as compared to others.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 16, 2018
    • Royal Sundaram Car Insurance
      "My commitment is not fulfilled"
      0.5 2.0/5 "Expected more"
      I had applied and got the Car insurance from ROYAL SUNDARAM GENERAL INSURANCE through a on line partner. I am totally dis satisfied by their services. The insurance agent confirmed that I have claim bonus, later the process was done am getting one statement that no refund policy for claim bonus. Which makes me no happy. They could not deliver my policy document hard copy still now. There is no proper response from the customer end.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
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