Royal Sundaram Car Insurance Add-On Covers

Royal Sundaram General Insurance holds a wide range of unique add-on covers that it offers to enhance the coverage given under the Car Shield Package Policy and Standalone Own Damage Policy.

You can enjoy these special add-ons by paying an additional premium. However, the insurer offers road-side assistance service free of charge.

1. Depreciation Waiver Cover

With this add-on cover, you can get a depreciation waiver on plastic and metal parts of your car in case of partial damage or loss excluding tyres, tubes and batteries, on which only 50% depreciation is exempted. This cover is available only for the cars up to 5 years of age.

2. Windshield Glass Cover

If your car’s windscreen glass breaks accidentally and requires to be repaired or replaced, then with this add-on cover you can get it done without affecting your No Claim Bonus status. This cover is available for cars aged up to 3 years.

3. Full Invoice Price Insurance Cover

This is an add-on cover which offers compensation for the amount of difference between the invoice value and Insured Declared Value (IDV) of your car. With this add-on cover, you can get the coverage for your total loss incurred. It includes the on-road price including registration charges or road-tax which was paid by you while buying the car if it goes stolen or sustained a total loss due to a mishap or an accident.

4. Loss of Baggage Cover

The Loss of Baggage add-on cover provides compensation for the loss or damages incurred to your baggage kept in your car due to theft or an accident. The baggage may comprise your personal belongings such as clothes, shoes, belt, toiletries, etc., which may be carried by you in the insured car during a car journey anywhere in the country.

5. Spare Car Clause

This add-on offers you a daily cash allowance to compensate for your travel allowance, during the period when your car is being repaired at the network garage of the insurance provider. It gives you a fixed amount for your transport if your car needs to stay at the garage for more than 1 day. It is applicable for cars aged up to 3 years.

6. Aggravation (Damage) Cover Clause

This Aggravation (Damage) Cover Clause is also known as Engine Protector Cover, which is meant to care for the engine of your car. With this cover, the insurer will compensate for the cost of repair or replacement of engine parts, gearbox parts, differential or transmission parts, and the parts of power steering pump caused due to leakage of lubricating oil or coolant or water ingression. This benefit is available for cars aged up to 3 years.

7. NCB Protector Cover

The No Claim Bonus (NCB) is a reward that is offered as a discount for making no claim in a policy term. With every claim-free year, this discount accumulates from a range of 20% to 50%, but one single claim can make it null and void. Hence, NCB protector cover add-on shields your NCB discount, even after making a claim. However, only 2 claims are allowed under this add-on.

8. Key Replacement Cover

This add-on cover is designed to offer compensation against the expenses incurred in repairing or replacement of keys of your car.

9. Tyre Cover

The Tyre Cover is an add-on which compensates the cost of repair and replacement due to accidental damage or loss sustained by tyres and tubes only that results in tyre burst, puncture, flattening of the tyre, and so on. This add-on cover is applicable only for tyres that are fitted in the car.

10. Lifetime Road-Tax Clause

With this add-on cover, the tax is to be included in the car insurance plan and you become eligible to get the unexpired part of Road Tax in addition to the amount that the insurer pays you for your car’s loss if your car is stolen or lost. This cover is available for cars aged up to 3 years.

11. Electrical or Electronic Fittings Cover

This add-on offers coverage for the cost of repair of electrical or electronic accessories in your car such as fog lights, air-conditioner, brake light, and music system.

12. Non-Electrical Fittings Cover

This add-on cover provides compensation for the cost incurred on the repair of non-electrical fittings of your car like alloy wheels, interior fittings, seat covers, etc.

13. CNG Kit and Bi-Fuel System Cover

This is an add-on which covers the repair amount of CNG Kit and Bi-Fuel System of your car after an accident or a mishap.