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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
      "Helpful policy for middle class people"
      0.5 5.0/5 "Blown Away!"
      Still i have not received the hard copy of my documents. The service is poor in Royal sundaram because i have sent a mail to the support team to send the documents and i haven't any reply for that mail also. I have purchased this policy more than 5 months ago. I have made a premium amount of Rs. 10000 nearly. Its covered with bumper to bumper facility. I have not received the road side assistance and i have got a no claim bonus of 25%.
      Was this review helpful? 0
      , raichur
      Reviewed on Sep 21, 2018
    • Royal Sundaram Car Insurance
      "High premium policy"
      0.5 4.0/5 "Great!"
      The premium is little high when i compared with other companies. I have been renewing the car insurance policy with Royal Sundaram for continuous 2 years. I have got a IDV value of 2.10 lakhs for that i have paid a premium amount of Rs. 8500 which is high.
      Was this review helpful? 0
      , junagadh
      Reviewed on Sep 21, 2018
    • Royal Sundaram Car Insurance
      "Trust the company by name itself"
      0.5 5.0/5 "Blown Away!"
      My dealer company has done the car insurance policy with Royal Sundaram. In that i haven't any claim experience. Its a fully zero debt policy hence i don't need to worry about it. I have got the benefits of cashless garage and bumper to bumper. If i would have gone the claim, they used to replace the parts. I have used the policy for past 4 years.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 21, 2018
    • Royal Sundaram Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason for purchasing the car insurance policy with ROYAL SUNDARAM GENERAL INSURANCE is because of lower premium and higher IDV value also for the good garage tieup i have taken the policy. They have offered the road side assistance along with the bumper to bumper coverage.
      Was this review helpful? 0
      , nagpur
      Reviewed on Sep 21, 2018
    • Royal Sundaram Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I had previously used the car insurance policy with Royal Sundaram General Insurance and used it for 2 years where i had no claim experience with this policy. Premium and the IDV value where satisfactory also they have provided the full coverage along with the road side assistance.
      Was this review helpful? 0
      , guwahati
      Reviewed on Sep 21, 2018
    • Royal Sundaram Car Insurance
      "Nice policy"
      0.5 4.5/5 "Excellent!"
      The coverage amount is better in Royal Sundaram. I have bought thee policy in the year of 2017. I have made the premium amount of Rs. 12000 approximately. I have not remember about the IDV value and they have not offered any extra benefits. I have not faced any claim experience as of now.
      Was this review helpful? 1
      , dapoli
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Satisfactory policy"
      0.5 4.0/5 "Great!"
      Royal Sundaram policy was taken in May. I pay the premium of Rs. 7K. The documentation process was quick. Because of the cheapest policy in the market i have chosen this company. I have no idea about the IDV value. They told me that it will having a towing facility.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I didn't taken any claim from the Royal Sundaram company hence i have not interacted with their call centre people. I had taken my car insurance policy on February. I have made a premium amount of Rs. 4500. I'm not sure about the features. They have offered me IDV value as per market rate. If i have a claim i could say more about it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      Because of the competitive price in the market i have chosen the royal sundaram policy. They have offered me a zero debt policy. I made the premium amount of Rs. 55000. Its a fully comprehensive policy with Bumper to bumper. I'm satisfied with the IDV value whatever they have provided to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Easy and covenient policy"
      0.5 5.0/5 "Blown Away!"
      I had a hassle free services with Royal Sundaram. This is a basic car policy and this is a efficient for me. In the month of January i have purchased this policy. I have not spoke about the bumper to bumper. I just compared with other companies and i found this is the best.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the policy with ROYAL SUNDARAM GENERAL INSURANCE is because of lowest premium when compared to the others also they are providing the policy coverage with zero depreciation along with the road side assistance.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the insurance policy with ROYAL SUNDARAM GENERAL INSURANCE. Premium i paid approximately 5k but i had no claim but the customer service is good and satisfactory to me. I have submitted the documents through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have bought this car insurance in the month of February. I made a premium amount of Rs. 7000 approximately. The reason behind this policy is they are providing third party coverage with the lowest amount. They have offered me a 50% no claim bonus. I have got a satisfied IDV value.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Sep 18, 2018
    • Royal Sundaram Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for purchasing ROYAL SUNDARAM GENERAL INSURANCE as a car insurance is because of good features and also for lowest premium added on that the service is good so i have taken this policy. Premium i paid 9k approximately for this policy and i had no claim with this policy but they offered the zero depreciation coverage.
      Was this review helpful? 0
      , solapur
      Reviewed on Sep 17, 2018
    • Royal Sundaram Car Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased this car insurance with Royal Sundaram in the month of January. I have not much aware of the benefits of this policy. I have made the payment of Rs. 10 K. I have not claimed anything so far hence i have not contacted the customer care services.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
    • Royal Sundaram Car Insurance
      "Good to purchase this policy"
      0.5 5.0/5 "Blown Away!"
      Many people suggested me to go with Royal Sundaram policy. I used to get a lots of benefits. Basically they have covered most of the parts in the vehicle. I have bought this car insurance policy in the month of January. I paid around 8 K for this insurance. They have provided me a road side assistance, bumper to bumper anyway i have not done any claim as of now.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 17, 2018
    • Royal Sundaram Car Insurance
      "Low Premium with More benefits"
      0.5 5.0/5 "Blown Away!"
      I don't have any problem with my car insurance hence i have not called the customer care service still now. 1 year back, i have purchased this policy. I have paid around Rs. 4000 for this car insurance. The documentation process was very face and they have done it very nicely. I have received the mail in the same day and next day itself i have received my hard copy. Because of the low cost i have selected this company. Compared to the other companies, they are providing lowest premium in the market.
      Was this review helpful? 0
      , amalapuram
      Reviewed on Sep 17, 2018
    • Royal Sundaram Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There is no reason behind taking the car insurance policy with BHARTI AXA GENERAL INSURANCE also the premium is nominal when compared to the others added on that they provide the full insurance coverage for two wheeler. The documentation done online.
      Was this review helpful? 0
      , durgapur
      Reviewed on Sep 15, 2018
    • Royal Sundaram Car Insurance
      "The best "
      0.5 5.0/5 "Blown Away!"
      The premium is little bit high even though they are providing many garage service. I had a claim experience with Royal Sundaram. They are very quick and fast within 12 hours they will provide the settlement to the garages. I have Honda car its around 14000 i have paid as a premium. Since its a new car, they have provided me a more than 6.5 lakhs as a IDV value. When we taken the car, Honda has provided me a free car insurance.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 12, 2018
    • Royal Sundaram Car Insurance
      "Company has to improve a lot"
      0.5 2.0/5 "Expected more"
      That was a very worst experience with Royal Sundaram. During my claim i had issue that they have changed a policy taken date. For a small minor mistake, my car was there for 20 days in showroom. They have not providing the cashless facility and i have to pay from my pocket and i got less number of claim amount even though its bumper to bumper.
      Was this review helpful? 0
      , belgaum
      Reviewed on Sep 12, 2018
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