Royal Sundaram Car Insurance Price List In India 2024

Updated On: 2023-03-30

Author : Team Policybachat

Royal Sundaram General Insurance Co. Ltd. is the first private sector general insurance company licensed by the Insurance Regulatory and Development Authority of India in October 2000. It is a joint venture between Sundaram Finance, Ageas Insurance and other Indian shareholders. The company currently offers Motor, Health, Personal Accident, Home, and Travel Insurance to its customers. Royal Sundaram has over 4.5 million customers and its products are distributed across India through insurance agents, distribution partners, and brokers.

Royal Sundaram General Insurance Co Limited, subsidiary finance. The company provides extensive insurance plans on two wheelers, Car, Health, Travel, and Personal Accident. Royal Sundaram car insurance coverage protects from personal damage claims, third party accidents, bumper to bumper damage coverage, and roadside assistance. The cost of Royal Sundaram car insurance varies depending on the type of policy that you choose to buy.

Royal Sundaram offers specifically designed car insurance products for its policyholders. Royal Sundaram car insurance provides comprehensive protection to vehicles that cover any loss or damage due to accident, theft, natural disaster, terrorist attacks, etc. it also covers liabilities of third-party damage/loss along with providing personal accident coverage to the driver or owner of the car up to Rs.2 lakhs per person. It offers 4600+ network garages spread all over the country which provides cashless claim facility during emergencies.

Why Choose Royal Sundaram Car Insurance Policy?

Car insurance policies offered by the insurance company come with a wide range of features, which include 4,600+ cashless garages, free roadside assistance, fast claim settlement, and a host of discount offers for being a member of Automobile Association of India, and so on.

The insured person can purchase several add-on covers as well voluntarily along with a standalone own-damage car insurance policy as well as comprehensive car insurance policy from the insurance company to enhance their coverage. Royal Sundaram General Insurance offers some unique add-on covers at minimum additional premium which includes key replacement cover, NCB protector cover, tyre cover, enhanced PA cover, spare car clause, and so on.

Key Features Benefits
Third party cover Up to 7.5 lakhs
Cashless network garages 4600+
Incurred Claim Ratio 84.99%
Covers Provided Roadside assistance, NCB, Tyre cover, etc.
Own damage cover Coverage for own car for its loss and damage
Personal accident cover Up to Rs. 2 lakh
Add-on covers 13 Add-on covers
Claim assistance 24/7 claim assistance
Customer Service Good and hassle-free pre-sales and post-sales services
Towing facility Spot repair services in all leading manufacturers in India
  • Own damage premium
  • Voluntary deductible
Passenger Protection Royal Sundaram car insurance policy offers personal accident cover to the policyholder along with the paid driver and co-passengers.
On-time Services In case of an emergency, quick and immediate assistance is provided by Royal Sundaram General Insurance company to the policyholder with full efficiency.

What is covered?

  • Damages sustained by the insured car due to fire, ignition or explosion
  • Accidental damage caused due to external force or act
  • Natural calamities like storms, floods, typhoons, etc.
  • Burglary, theft, housebreaking, etc.
  • Act of Terrorism, and malicious acts.
  • Any legal liability arising out of damages caused to third-party property, vehicle or injury, or death claim in case of life
  • Personal accident cover

What is not covered?

  • Any wear-and-tear of the car due to aging
  • Any mechanical and electrical breakdown
  • Private cars used for remuneration purpose is not covered
  • Driving without a valid driving license
  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the car's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under our motor car insurance.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

Types of Royal Sundaram Car Insurance Policies in India:

1. Third Party Car insurance:

Third-party car insurance or “Liability only” car insurance or “Act only” car insurance is the compulsory car insurance in India as per the Motor Vehicles Act. Any party other than the insurance company and the customer of the car is referred to as a third party, hence the name third party car insurance.

The death, disability, and damage to goods or property of the third party are covered under the TP policy of the car insurance. The claim amount in case of Third party claims would be decided by the honourable courts and direct the insurance companies to settle the claim amount to the third parties on behalf of the car owner. This is the basic type of car insurance policy available in India and is compulsory to be taken for any car to ply in public places.

The premium to be paid under the Third-party type of insurance policy is decided by the Governing body for insurance, IRDA known as the Insurance Regulatory and Development Authority of India. The car insurance rates in the Third party premium type of car insurance are subject to be revised each year depending on the loss ratio and other factors which are decided by the IRDA.

  • This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property
  • This plan also includes the personal accident coverage for the owner-driver as well
  • Unlimited coverage is provided for death or injury of third party while up to Rs.7.5 Lakh is covered for property damage.

2. Comprehensive Car Insurance:

The other type of car insurance policy in India is the “Comprehensive Car Insurance” which includes the Own damage section as well as the Third party section. The Own damage section covers any loss or damage to the car owned by the incurred due to an insured peril.

The premium to be paid by the customer under the own damage section is decided by the insurance company, unlike the third party insurance premium which is decided by the IRDA. The own damage premium rates are given by the IRDA and the insurance companies can decide the premium within those rates.

Insurance companies take utmost care while deciding the premium rates for own damage type of car insurance such that too high price may result in failure of the product and too less price might impact the profits of the insurance company.

  • Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
  • Landslides and rockslides
  • Earthquake (both shock and Fire)
  • Fire, self-ignition, lighting or explosion
  • Terrorist and Malicious activities
  • Strikes and Riots
  • House breaking, burglary and theft of car.

3. Comprehensive with add-ons:

The other type of car insurance in India is the comprehensive car insurance with add-ons such as Zero depreciation, Consumables, Engine protection etc. The most common type of add-on opted by the car insurance customer is the Zero Depreciation cover along with the comprehensive car insurance policy.

The “Zero depreciation” car insurance policy is also known as “Nil Depreciation” or “Bumper to Bumper” car insurance in India. This type of car insurance in India can be termed as the total coverage for car as the zero depreciation add-on enables the insurance companies to pay the complete claim amount without factoring depreciation. Bumper to bumper car insurance is an add-on or rider available under the own damage section of the car insurance policy.

  • Royal Sundaram Car Insurance will pay sum insured of Rs.2 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death
  • An accident can leave you impaired to earn your as well as your family’s earning. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement

Benefits & Features of Royal Sundaram Car Insurance Policy:

  • Easy to compare the quotes with the benefits company provides.
  • Know yourself what are the factors that made your premium higher than another insurer.
  • You can avoid the agent role and the policyholder can make his own decision in buying the policy.
  • Avail the policy instantly online
  • Get free inspection at customer place
  • 24*7 dedicated claim supporting team
  • Ease of car insurance claim is possible through our personal relationship manager
  • Steps to buy/ Renew the policy online
  • Facility to transfer no-claim bonus from other company renewing with Royal Sundaram
  • Discounts on extensive car models and variants
  • 3300+ cashless garages network in Automobile association of India
  • Get a free Roadside Assistance Kit from Royal Sundaram.
  • Option to cover 100% invoice price insurance coverage

Royal Sundaram Car Insurance Add-ons:

These are all the types of car insurance in India and the customer can choose any type of car insurance depending upon his/her premium paying capacity, requirement, coverage etc. Car insurance renewal tips: The car insurance renewal quote should contain the extra coverage in the form of add-ons such as Bumper to bumper, Consumables etc., at a reasonable premium.

NCB Protector: If you are a car owner who has successfully managed to rack up a good percentage of No Claim Bonus, having an NCB Protector is a smart choice. You can enjoy discounts anywhere from 20% to 50%, based on your claim history. To top it off, if you have made up to 2 claims in a given policy year, your accumulated NCB remains the same.

Full Invoice Cover: This is your golden chance to get your car insured up to 100% of the list price. Circumstances like total loss or theft could cause severe loss. This add-on guarantees that complete reimbursement will be handed out by the insurance company on the invoice amount of the car.

Voluntary Deductible Cover: In times of claim, if you voluntarily agree to bear a portion of the claim, the insurance company pays for damages that cross the limit of voluntary deductible. The add-on is a great way to save big money on your car insurance premium.

Key Protector Cover: This is an additional rider that ensure if keys to your car are lost, damaged or misplaced, Royal Sundaram will cover the expenses for repair or replacement of keys. The expenses include labour costs too.

Royal Sundaram Car Insurance Claim Process:

As soon as a claim occurs, please call us at 1860 425 0000 or write to us at, our customer service executive will be happy to help you with the claims procedure.

  • Claim should be intimated to the Insurance Company immediately with the policy particulars.
  • No repair before survey of the vehicle
  • Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer
  • Original Registration Certificate and Driving licence to be submitted to the company for verification and return
  • Duly filled in & signed claim form to be submitted to the Repairer/Surveyor. For company owned vehicles, company seal and authorised person signature should be affixed in the claim form.
  • FIR to be filed wherever Third party injury/death/property damage is involved.
  • Company may ask for additional documents and /or clarification/Information if any, depending on the requirement of the claim.
  • Cashless facility will be arranged if required documents are in order.
  • Based on the Surveyors instruction, Vehicle to be produced for re-Inspection on completion of repair works.
  • Original bill along with Satisfaction voucher for cashless claims is required for processing of the claim.
  • For Non-cash-less Claims (Reimbursement claims) Original cash bill or Invoice with Cash receipt is required for processing of the claim.
  • The detailed theft claim process letter will be sent to the Insured's policy/claim form address through Registered Post offer intimation of theft claim.

Documents Required:

a) In case of Car Accident Claims:
  • Immediately contact Reliance Motor Insurance on their toll-free number 1800 3009
  • 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

b) In case of Car Theft Claims:

  • Immediately contact Reliance Motor Insurance on their toll-free number 1800 3009
  • 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 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 Reliance Motor Insurance on their toll-free number 1800 3009
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book.

Royal Sundaram Car Insurance Premium Calculator:

Car insurance premium calculator helps you to calculate the insurance premium to be paid. Every insurance company has a varying means of calculating it. To calculate the car insurance, there are various factors to be taken into consideration such as:

  • The model of the car and the variant
  • Year of manufacture
  • Type of fuel
  • No claim bonus
  • Discounts
  • Voluntary access.

How to Calculate Car Insurance Premium?

So why do we pay car insurance premium? Well, because it reduces our propensity for risk and loss, to a certain extent. Following

  • IDV
  • Age of the car
  • Details about the car
  • Engine size.

How to Buy/Renew Royal Sundaram Car Insurance?

Car insurance can be purchased online from the PolicyBachat portal in two easy steps. At PolicyBachat we cater unbiased comparison of quotes, 24*7 customer assistance team your motive is to give our customers the right quotes with compare car insurance rates online.

You have the option to purchase this cover via the online mode or the offline mode while buying or renewing your car insurance policy. You can buy a Cover by following the below mentioned steps.

  • Go to compare car insurance quotes online at PolicyBachat
  • Fill in the required details select your Car Model & Variant, RTO Location, Registration date, and Email address.
  • Click on the “START SAVING MONEY”.
  • Choose a Comprehensive Insurance plan.
  • Premiums with different insurance companies are displayed with low premiums.
  • Select the Add-on Cover from the available Add-ons if need.
  • After that fill in the ‘vehicle owner details and personal details.
  • Purchase best Car Insurance Policy using online payment
  • If any queries are raised call: 1800–123–4003.

Need Help? Call PolicyBachat at 1800-123-4003 and our insurance specialist will be there to assist you.

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