Royal Sundaram Bike Insurance Claim

Royal Sundaram General Insurance has provided ease to a large number of people to drive their bikes on roads without worries. It minimizes the risk factors on the roads. Digitalization of all the processes has simplified it for every policyholder.

Royal Sundaram has set up an efficient helpdesk service to resolve the issues of the policyholders. It guides you through the whole procedure of claim settlement so that the policyholder has a hassle-free experience.

List of Documents Required During Claim Settlement

Following documents are required at the time of settling bike insurance claim:

• Policy copy
• A copy of F.I.R
• Duly filled and signed claim form
• A copy of PAN and AADHAAR card
• Original repair invoice for cashless claims
• Registration Certificate (RC) along with a photocopy
• Driving license of the person driving at the time of the accident
• Original repair estimate, repair invoice and payment receipt for a non-cashless claim.

How To Make Royal Sundaram Cashless Bike Insurance Claim?

Royal Sundaram provides a simple and easy procedure for claim settlement. The policyholder has the option to follow an offline or online process of claim settlement. The claim settlement procedure is mentioned step by step below.

Step 1: Contact Royal Sundaram General Insurance

The first step to initiate claim settlement is to intimate the insurer within 24 hours of the accident or theft of the insured’s bike. You can contact your insurer by dialling their toll-free number 1860-425-0000 or by e-mailing at customer.services@royalsundaram.in

Step 2: Register Claim

A company executive contacts you after the intimation. You need to provide him with the following information.

• Policy number
• Location of accident
• Loss details

A claim registration number is generated which is required for the identification of your claim intimation. The executive informs you about the nearest network garage. However, do not move the bike before the survey.

Step 3: Survey of Damages

The insurance company sends a surveyor to assess the damage of the insured’s bike. The policy documents along with the described documents should be submitted to the surveyor. The surveyor takes into account all the details and estimates the cost of repair.

Step 4: Claim Settlement

After the verification of details by the surveyor, the cashless facility is arranged at the nearest network garage. The insurer takes care of all the financial and legal liabilities and pays off the expenses of repair of the insured’s bike taking into consideration the deductibles and depreciation.

How To Make Royal Sundaram Reimbursement Bike Insurance Claim?

A reimbursement claim can be registered if the policyholder wants to repair the insured bike in a garage other than the network garages or if there are no network garages nearby. Royal Sundaram provides compensation for the repairs. It has simplified the procedure through the following simple steps.

Step 1: Contact the insurer

You have to contact Royal Sundaram General Insurance by dialling their toll-free number 1860 425 0000 or by emailing at customer.services@royalsundaram.in immediately after the accident or theft of the insured’s bike.

Step 2: Register A Claim and Get Claim Reference Number

The executive of Royal Sundaram Insurance company reverts back to you within 24 hours of intimation. You have to inform the executive about the policy number and details about the accident. The executive provides you with a unique claim reference number.

Step 3: Survey of Damages

A surveyor will be sent by the insurance company to check the extent of the damages caused to the bike during the accident. You have to submit the required documents along with duly filled claim form to the surveyor.

Step 4: Repair and Reimbursement

Move the bike to your desired garage and pay off the bills without any worries. After the completion of the repair, you have to submit all the documents asked by the company along with the bills and receipts to make the request for the reimbursement claim. The company verifies the details and finally disburse the claim amount factorizing the deductibles and depreciation.

Royal Sundaram has a specific set of conditions that the policyholders should fulfil in order to settle the claims. The claim is rejected by the insurance company under the following conditions.

• Intoxication
• Act of negligence
• Misinterpretation of facts
• Driving without a valid license
• Registration of a fraud Claim
• Claiming wrong coverage amount
• Improper functioning of the vehicle parts
• Lack of details required to process the claim
• Delay in intimation about the mishap to the insurer.

Royal Sundaram No Claim Bonus

Every insurance provider along with Royal Sundaram provides No Claim Bonus along with every own damage cover for bikes. The reward is offered for every claim-free year and is cumulative in nature going up to 50% in the fifth consecutive year. To remain eligible to receive the reward the policyholder cannot make any claims for that period. No matter how minor the claim, it will disable the reward. Hence, it is advised that policyholders file a claim only for cases of significant damage.

Moreover, to keep the No Claim Bonus intact it is crucial that the policyholder renews their bike insurance before the expiry date. If they fail to do so the NCB along with the policy will no longer be valid. To avoid such losses, the insurance providers offer a grace period of 90 days to all their customers. However, any further delays will result in the complete loss of the accumulated NCB. One of the benefits of the NCB is it’s transferable. The reward is offered for safe driving hence, you as a policyholder can carry it over when you change insurance providers or sell your old two-wheeler and buy a new one.