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  • Royal Sundaram Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • 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
      "BETTER"
      0.5 4.0/5 "Great!"
      The reason for taking the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE is because of the lowest premium when compared to the other insurance policies and they have offered with the bumper to bumper coverage. The premium is nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 21, 2019
    • Royal Sundaram Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      ROYAL SUNDARAM GENERAL INSURANCE is the good insurance policy so i have taken my car insurance policy with this. The premium and the IDV value is satisfactory when compared to the others. The policy coverage is for zero depreciation with this policy.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 19, 2019
    • Royal Sundaram Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have used the car insurance with the Royal Sundaram General Insurance where i have used it for the two years and the premium is higher with this policy. The policy coverage is satisfactory with this insurance policy. I have no claim experience with this policy.
      Was this review helpful? 0
      , akola
      Reviewed on Jan 19, 2019
    • Royal Sundaram Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      ROYAL SUNDARAM GENERAL INSURANCE is the good insurance when compared to the other policies so i have taken this policy. I have not experienced with any claim with this policy and i am using it from last few months.The policy coverage is for full including the road side assistance with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • Royal Sundaram Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE where it is the best when compared to the others. I had no claim experience with this policy but the policy coverage is for bumper to bumper for this policy.
      Was this review helpful? 0
      , bhilwara
      Reviewed on Jan 12, 2019
    • Royal Sundaram Car Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have purchased the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE where the premium is nominal compared to the others also the IDV value is good. I am not aware of the policy coverage with this policy. I have not received the hard copy yet.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jan 12, 2019
    • Royal Sundaram Car Insurance
      "AVERAGE"
      0.5 3.5/5 "Pretty good"
      They have given the offer in the premium which is lower when compared to the others so i have taken the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE but they have not given the offer. The policy coverage is for bumper to bumper also the IDV value is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 11, 2019
    • Royal Sundaram Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason for taking the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE is that they are providing with the good benefits than others. Premium i have paid approximately 8k-10k for this policy but i had no claim experience. The policy coverage is for bumper o bumper.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 03, 2019
    • Royal Sundaram Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service and response was great with Royal Sundaram. The main reason to choose the policy for lower premium. It is a third party insurance. I don't have any claim till now. I got the insurance paper. I have paid the premium 18K through online.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Jan 03, 2019
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      It was good with Royal Sundaram and have not spoke to their customer service. The main reason the rates are comparative when compared to others. The policy period is one year and have paid the premium online. I got the soft copy of insurance and not received the hard copy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 03, 2019
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      The main reason to choose Royal Sundaram is its associated with Renault showroom. It is compulsory to get insured for the safety purpose and have no claim experience so have no idea about the service. I have chosen bumper to bumper and Road side assistance. Have not really compared of premium with other insurer, I would be getting soft and need to download it which have not received yet.
      Was this review helpful? 0
      , chickmagalur
      Reviewed on Dec 30, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service was good. I have taken a car insurance from Royal Sundaram through online portal. The main reason is lower premium and the IDV is good. I have chosen a plan of Car Shield + Zero Dep. The policy period is one year. I got the insurance paper.
      Was this review helpful? 0
      , nagpur
      Reviewed on Dec 29, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Once I have taken the insurance and not contacted the customer service. IDV value was good with Royal Sundaram and also the premium is reasonable. It is a third party insurance. It covers bumper to bumper and road side assistance but there is no claim till now.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Dec 29, 2018
    • Royal Sundaram Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The customer service was satisfactory. I have taken a car insurance from Royal Sundaram which has reasonable premium. It is a third party insurance. The policy period is one year and I don't remember the premium which was taken long back. There was no claim experience. It has better IDV value and they provide a bumper to bumper offer.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 20, 2018
    • Royal Sundaram Car Insurance
      "So far its good"
      0.5 4.0/5 "Great!"
      I have taken the car insurance with Royal Sundaram and have not claimed anything. The premium and the benefits are average. I did not get the hard copy and received the soft copy which I printed out. It is a third party insurance. IDV value is average.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 20, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had my car insurance with National Insurance and their premium was high so I have changed to Royal Sundaram since I hold my bike insurance and also premium is low. I never contacted the customer service. I have not received the hard copy and premium was done through online. I have no claim till now.
      Was this review helpful? 1
      , nadiad
      Reviewed on Dec 19, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am happy with Royal Sundaram for my car insurance. The benefits were good and the premium is reasonable. I have received the documents on time. It is a first party insurance. I have paid the premium through online. There was no claim experience.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 19, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a used car and they have offered good IDV value. The main reason to choose Royal Sundaram because of low premium. It is a third party insurance, I had no interaction with the customer support and no claims till now. The policy coverage is one year.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 17, 2018
    • Royal Sundaram Car Insurance
      "Need to reduce the premium"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance with Royal Sundaram and it was offered by the showroom when I purchased the vehicle. The premium is too high when compared to others and don't know about the benefits. They called me to remind about the policy expiry date but I have denied to renew becuause of their premium.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Dec 15, 2018
    • Royal Sundaram Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I had a car insurance with Royal Sundaram and it was taken through online. The benefits are good at that point of time so I have chosen it. I have not done a claim experience. It is a comprehensive insurance and it had bumper to bumper offer. The premium is reasonable compared to others.
      Was this review helpful? 0
      , tenali
      Reviewed on Dec 15, 2018
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