Royal Sundaram Car Insurance Renewal Online In India 2024

Updated On: 2023-03-30

Author : Team Policybachat

Renewal of your car insurance policy with Royal Sundaram is an easy, paperless and quick process. A car insurance policy needs to be renewed after the expiry of its tenure to keep the car insured against accident/damages/losses.

Completing the process of renewal of your car insurance policy not only saves you time and effort but also enables you to compare different policies at once and allows you to access the best policy for your needs.

Renew your Royal Sundaram car insurance regularly to keep it up to date and in good shape. When you're shopping around for new car insurance coverage, check out any discounted rates or special benefits that come with it. We believe that renewing an existing policy can often be cheaper than buying a new one. Don't forget, some providers offer discounts for people who've been with them for a long time.

If you had bought Royal Sundaram car insurance from PolicyBachat do not worry renewing online can be done through a simple three step process on our website at your convenience. Follow these simple steps to avail a policy within minutes:

  • Fill in the required details and select renew the policy
  • Give the personal details; select the policy coverage and add-ons of your choice.
  • You will get an instant car insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.

Why Renewing Royal Sundaram Car Insurance Online is Important?

Royal Sundaram Car Insurance Renewal Online is a must have for any car owner. It is important to have this insurance policy because it protects you in the case of an accident or theft.

If you are looking for a renewing your car insurance policy online, then Royal Sundaram Car Insurance is the right place for you. They offer competitive rates and they have a wide range of policies to choose from.

Cashless Network Garages 4600+
Emergency Assistance Quick & hassle-free, 24x7 assistance
Number of customers 45 lakh +
Claim Settlement Ratio 87.89%
Branches 156+
Policies Issued 20.6 lakh

Benefits of Renewing Royal Sundaram Car Insurance Policy Online:

The advantages of Renewing Car Insurance Online are fast, convenient, safe, and cost-effective. Renew your car insurance online in time and avail of break-free coverage. Renewing your policy allows you to enjoy the following benefits:

  • Optional personal accident cover.
  • No Claim Bonus discount on premiums.
  • Option to purchase several add-on covers.
  • Free roadside assistance during emergencies.
  • Hassle-free claim settlement and fast disbursal.
  • Personal accident cover for owner-driver up to Rs. 15 lakh.
  • Cashless claim settlement at more than 3,300 network garages.
  • Up to Rs 7.5 lakh indemnification for third party property damages.
  • Loss or damage to the vehicle due to fire, accident, theft, explosion, natural disasters, riots, terrorism, etc.
  • Any financial liability arising from death or injury to a third party by the insured vehicle, and damage to the third-party property by the insured car.

How to Renew Royal Sundaram Car Insurance Policy Online?

Royal Sundaram online car insurance renewals are quick and convenient. You just have to enter your existing policy number and you can check the coverage details. Calculate and pay the car insurance renewal premium digitally and the policy is renewed, just like that. No need to visit the insurer's branch or look for an agent.

With Royal Sundaram:

If you want to renew your Royal Sundaram car insurance policy, you can complete your renewal in 3 easy steps.

  • Input your policy number and expiry date.
  • View your policy details and premium amount.
  • Process your online payment.

Lapsed Car Insurance Renewal:

If you fail to renew your car insurance in time, it will lapse, i.e., you are no longer covered by insurance. In case of policy lapse, the insurance will not cover any monetary losses caused by damage or theft of the vehicle or third-party damages; you will have to bear these costs. However, it is possible to renew a lapsed car insurance policy.

  • Go to the PolicyBachat website
  • Fill in the required details like the Make & Model of the car, RTO Location, email address, and registration date.
  • Click on the START SAVING MONEY
  • Select renew the policy, and add your coverages to the car insurance policy
  • Make payment and buy the Royal Sundaram car insurance policy.

Things to remember while renewing Royal Sundaram Car Insurance Online:

  • Compare the policy details with different insurance providers before renewing your car insurance policy
  • Keep your policy number and other details in hand to ensure speedy renewal.
  • Check various offers and discounts provided by insurers for online policy renewals. Being a member of the Automobile Association of India can earn you a discount of 5% (up to Rs. 200) on OD premium.
  • Insurance companies provide a No Claim Bonus if you have not filed a single claim during the policy tenure. Do not forget to avail of NCB while renewing your policy.
  • Buy relevant add-ons to your policy
    • Engine protection add-on,
    • CNG or bi-fuel kit protection cover,
    • Depreciation waiver cover,
    • Windshield glass cover,
    • Tyre cover,
    • Paid driver cover,
    • Occupants’ cover, etc. along with the base policy.
  • Always buy a car insurance policy with a provider that has the maximum claim settlement ratio and a seamless claim settlement process.
  • Opt for the insurance provider with a high network of cashless garages for hassle-free repairs.

Why should you renew your Royal Sundaram Car Insurance On-Time?

Many people are unaware that car insurance companies require you to renew your policy on time. If you fail to do so, the company may cancel your policy and you will no longer be covered. To avoid this, make sure that you keep your car insurance in a safe place and renew it as soon as possible.

  • Continuation of policy benefits
  • Financial support
  • Legal mandatory
  • Loss of Insurance Protection
  • Financial Loss in case of accidents
  • Driving with expired insurance is illegal
  • Easy switch to other insurers
  • Avoid paying higher premiums
  • Enjoy continued discounts or bonuses, and coverage benefits of the plan
  • Avoid discontinuity of No Claim Bonus
  • Save from hassled experience.

How to Reduce the Cost of Your Royal Sundaram Car Insurance Renewal?

It's entirely up to you where to get your car insurance from because the cost comparison between different companies varies. Several factors can affect the amount of money you pay on each annual renewal, these include:

  • Renew Policy before it Lapses (In time)
  • Opt for Voluntary Deductibles
  • Understand your needs
  • Use the No Claim Bonus (NCB)
  • Renewing Online is the Cheapest.

When you buy a new car, it's important to know when your car insurance policy needs to be renewed. Some policies renew before you're even finished paying off your new car. Many factors can affect the timing and cost of the renewal. Factors include:-

  • The age of your vehicle
  • The type of coverage that you have
  • Your driving history
  • The price of your car and
  • Your credit score.

Royal Sundaram Car Insurance Renewal Costs per cc:

Private Cars Premium (2020-21) Expecting Premium (2021-22)
Not exceeding 1000cc 2324 2593
Exceeding 1000cc but not exceeding 1500cc 3467 3600
Exceeding 1500cc 7685 7804

* The displayed values were only intended to be representative of the readings, if you want exact values compare quotes*.

Royal Sundaram Car Insurance Premiums as per Model of Your Car:

Car Model IDV Zero Dep Cover Premium
Toyota Camry - Hybrid Rs. 5, 34,363 Rs. 3378 Rs. 7378
Ford Aspire-Sports edition Rs. 4, 93,338 Rs.2933 Rs.8289
Renault Kwid – STD Rs. 2, 28, 388 Rs. 3992 Rs.7399
TATA Tiago XE Rs. 4, 32,299 Rs. 1383 Rs. 9479

Frequently Asked Questions of Royal Sundaram Car Insurance Renewal Online:

My policy has already expired, but I still want to renew it, what should I do?

In the case of a car insurance policy, we will renew your policy post inspection with a break-in period for the period it was not covered, however, it is strongly recommended to approach us and renew your policy 90 days after your policy expiry to continue to enjoy your NCB benefits.

Is Royal Sundaram Car Insurance Renewal Easy?

Yes, it is easy to renew Royal Sundaram car insurance with PolicyBachat with Simple easy steps. You just have to pay your current premium to renew without having to go through the full application process again ahead of time. Before the expiration of the policy, there will be a reminder from the company about needing to renew.

What if I decide not to renew my Royal Sundaram Car Insurance Policy?

If you are decided not to renew your Royal Sundaram car insurance policy you can inform the company. Follow the below steps to cancel your Royal Sundaram Car Insurance Policy:-

  • If you choose not to renew your policy at the end of its term, inform your insurer before the renewal date.
  • If you're using an automatic payment plan, be sure to contact your insurer and cancel before the first payment of the renewal term is automatically deducted
  • If you have not already, make sure you cancel your policy before it renews by the end of the term.
  • If not, make sure to cancel before paying for any services that may incur additional costs.
  • Contact your insurer to see if you need to submit a written letter of cancellation or if you can do so online or over the phone.

My Car Policy Expired. Can I Renew It?

If you missed the deadline to renew your insurance policy, there might be a way for you to get an extension. This is only possible if it was a lapse in coverage instead of outright cancellation so talk to your insurance company about what happens next. You might not be able to renew your old coverage, but you may still be eligible for a new policy.

What If I Don't Renew My Policy And Drive Without Insurance?

Driving without a car insurance policy on the road is a crime you will be fined for that issue and a lot more things been happened:-

  • Penalties and legal fines for driving without insurance
  • Third party liability
  • Legal complications
  • Loss of No Claim Bonus
  • Damage to Self.


Now that you know the benefits of renewing your Royal Sundaram car insurance policy on time, it is highly recommended to renew on time to avoid any unpleasant surprises later. Renewing the policy on time also enables you to save money, time, and effort.

“Remember to renew your insurance policy before it expires to avoid a break in coverage”

So, if you want to buy a new plan, you should consider the possibility of timely renewal in the future. If you already have an existing plan and missed the renewal date, then it's still better to Renew Now. It might be too late if you wait for a long time later.

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