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  • Right Green Tick Zero Depreciation till 7 years
  • Right Green Tick 6-Month Repair Warranty
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Disclaimer: Actual Premium might vary basis your location, age and number of members

Royal Sundaram Standalone Own-Damage Car Insurance Policy

Royal Sundaram General Insurance offers standalone own-damage car insurance. This cover will provide the policyholder with compensation for own-damage costs in the event of a mishap. Moreover, the cover will provide this compensation in several situations including cases of theft, road accidents, vandalism, in cases of fire or explosions, natural and manmade calamities. Purchasing an own-damage cover is not obligatory like third party insurance. However, it is advisable to also purchase this cover as it provides better protection for your car.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Royal Sundaram

Third Party Insurance

Royal Sundaram Standalone Own-Damage

Royal Sundaram

Comprehensive Insurance

Coverage

Third party insurance is the most basic insurance coverage. It takes care of only third party liabilities including bodily injury, death and property damage.

Own-damage covers provide compensation for only own-damage costs in case of a mishap. In addition, this protection is provided for a wide variety of scenarios such as fires and road accidents, etc.

Comprehensive plans provide holistic protection for the car. They offer compensation for both third party liabilities and own-damage costs under a single premium. Moreover, since this is offered under a single premium it is a hassle-free option for customers.

Add-ons

Add-on covers are not offered with third party car insurance covers.

Add-on covers are offered with standalone own-damage covers.

Add-on covers are offered with comprehensive insurance plans.

Cost

Third party insurance is the most basic type of car insurance and hence is also the least costly insurance available.

Standalone own-damage insurance offers more coverage than third party insurance and hence is comparatively costlier than it.

Comprehensive Insurance plans offer the widest coverage and hence are also the most expensive insurance available. However, the cost accommodates both third party liabilities and own-damage costs.

What is Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance offers compensation for the following situations:

  • Road accidents that cause damage to the car.
  • Explosions or fires that damage the car.
  • Total loss or theft of the car.
  • Damage caused due to natural or manmade calamities such as floods.


What is Not Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance does not offer compensation for the following situations:

  • If the car breaks down due to an electrical or mechanical breakdown.
  • If there is any mishap that involved illegal driving in any way.
  • The depreciation rate of the car due to the natural wear and tear of the vehicle.
  • Any mishap that occurs outside the territorial limit of India.

Benefits of Royal Sundaram Standalone Own-Damage Policy

Following are the benefits of purchasing a standalone own-damage cover from Royal Sundaram:

  • It offers a layer of protection for the car and financial stability in times of crisis for the policyholder in a variety of situations.
  • The policyholder is eligible for a No Claim Bonus for every claim-free year. Moreover, the reward is cumulative reaching 50% in the fifth consecutive year.
  • The insurance holder can also purchase add-on covers to further strengthen the standard car insurance policy.

How To Purchase Royal Sundaram Standalone Own-Damage Policy?

The below-mentioned steps will guide you in purchasing a standalone own-damage cover from Royal Sundaram:

Step 1: Visit the website InsuranceDekho and select the tab on the left top corner titled ‘car insurance’. A drop-down menu will appear, select ‘Standalone Own Damage’ from the options.

Step 2: In the given section provide your car’s registration number. If for some reason you do not have this information with you, enter your car’s make, model and year of registration instead.

Step 3: Provide your personal information, i.e., your name and mobile number and select the “Submit and Get Quotes’ button.

Step 4: All the standalone own-damage insurance quotes in your category will be visible on the screen. Select the one offered by Royal Sundaram General Insurance and select any add-ons of your choice.

Step 5: Make the payment for your chosen Royal Sundaram standalone own-damage insurance policy and the policy document will be sent to your registered email ID.

Explore Royal Sundaram Car Insurance

Must Read Articles before buying Royal Sundaram Car Insurance

Royal Sundaram Car Insurance User Reviews

4.9
Rating based on
468 User reviews
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What users are saying
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  • Hassle-free Service

    While Buying Royal Sundaram’s car insurance, I had an amazing experience. Insurancedekho provides exceptional customer service, competitive pricing and comprehensive coverage options

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    On: March 2, 2024
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    On: November 3, 2023
  • Timely Repairs, Timely Return

    Repairs at cashless garages through InsuranceDekho are done promptly, ensuring that I get my Kia car back as quickly as possible. I am so happy to have secured the Royal Sundaram Car Insurance Policy on time.

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    On: October 17, 2023
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    On: September 29, 2023
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    Purchasing InsuranceDekho's own damage coverage with the Royal Sundaram Car Insurance Policy for my MG car is was effortless. Their user-friendly online platform made it quick and convenient.

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    On: September 14, 2023
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    Getting insurance quotes with InsuranceDekho's premium calculator was quick and convenient. It was a time-saver for me while looking for the Royal Sundaram Car Insurance Policy for my Renault car.

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    On: September 12, 2023
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    Opting for InsuranceDekho's zero depreciation policy was the best decision I made for my Mitsubishi car. The Royal Sundaram Car Insurance Policy saved me from unexpected expenses during a recent accident.

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    By Harman Chahal
    On: September 8, 2023
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    While buying the Royal Sundaram Car Insurance Policy for my BMW, one of the important factors I was looking into was complete trust. Trust is essential when it comes to car repairs. InsuranceDekho's Cashless Garages have consistently provided trustworthy repairs and ensured the safety of my vehicle.

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    On: September 6, 2023
  • All-Round Protection

    I recently bought the Royal Sundaram Car Insurance Policy with Comprehensive Coverage for my Maruti car, I feel like I have all-round protection for my car. Whether it's a minor fender bender or a major accident, InsuranceDekho has me covered.

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    On: September 4, 2023
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    I appreciate how InsuranceDekho's claim process for the Royal Sundaram Car Insurance Policy for my Maruti car is smooth and transparent. From filing the claim to receiving the settlement, everything is clear and well-organized.

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    On: August 29, 2023
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    On the InsuarnceDekho portal, I could easily buy the Royal Sundaram Car Insurance Policy for my Renault car. I was able to do the same in 3 easy steps. Because of this policy, now my car is financially protected in case of any unforeseen incidents.

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    On: August 25, 2023
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    Using InsuranceDekho's premium calculator was not only about getting quotes but also an educational experience. I learned more about insurance coverage and its importance. And with the help of the information, I could buy the Royal Sundaram Car Insurance Policy for my Skoda.

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    By Naveen Dutt
    On: August 23, 2023
  • Simple and Hassle-Free Policy ...

    The Royal Sundaram Car Insurance Policy purchase process for third-party car insurance on InsuranceDekho's platform was simple and hassle-free. It took just a few minutes to secure my Skoda car.

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    On: August 8, 2023
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    The claims documentation process for the Royal Sundaram Car Insurance Policy with InsuranceDekho was seamless and transparent. They guided me through each step, and there were no hidden surprises for my Chevrolet car. A reliable insurer for sure.

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    By Daman Bhasin
    On: July 31, 2023
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    I had to get my car's bumper repaired, and thanks to InsuranceDekho's zero depreciation cover, I didn't have to pay a single penny from my pocket. The Royal Sundaram Car Insurance Policy that I purchased for my BMW came as an amazing plan for my car. It's an investment that pays off!

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    On: July 25, 2023
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    By Nishtha Batra
    On: July 21, 2023
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    InsuranceDekho provided attractive No Claim Bonus benefits during the renewal of my Royal Sundaram Car Insurance Policy for my Tata car. It rewarded me for safe driving and loyalty.

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    By Rajveer Singh
    On: July 19, 2023
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    The cashless garages recommended by InsuranceDekho have skilled mechanics who are well-versed in handling various car models. I was confident that my Toyota car was in good hands. Happy to have landed with the Royal Sundaram Car Insurance Policy and got additional benefits.

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    By Pratik Bist
    On: July 17, 2023
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    I recently had to file a car insurance claim for my Kia car with InsuranceDekho, and I must say that the process was incredibly smooth and efficient for the Royal Sundaram Car Insurance Policy. From the initial claim submission to the final settlement, everything was handled with professionalism and promptness. Highly recommended!

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    By Sanya Chhadda
    On: July 13, 2023
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    Having InsuranceDekho's zero depreciation car insurance gave me peace of mind during accidents. I knew that my Royal Sundaram Car Insurance Policy would cover the full cost of repairs for my Honda car without deducting any depreciation, minimizing the financial burden.

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    On: July 11, 2023
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    I found InsuranceDekho's premium rates for car insurance renewal to be competitive. I renewed the Royal Sundaram Car Insurance Policy for my Chevrolet car and they offered affordable premiums without compromising on coverage. It was a great value for money.

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    On: July 7, 2023
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    The premium calculator facility available at InsuranceDekho disclosed the assumptions and factors used in the premium calculation. It explained the underlying data and considerations taken into account, which further helped me to buy the Royal Sundaram Car Insurance Policy for my Renault car. Transparency gives you trust in the process.

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    On: July 5, 2023
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    On: June 29, 2023
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    By Simar Singh
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    With comprehensive coverage, I'm protected against unpredictable natural disasters such as floods, storms, or earthquakes. It's reassuring to know that my Chevrolet car is covered in such unforeseen circumstances with the Royal Sundaram Car Insurance Policy. After much looking around, I bought this policy from InsuranceDekho.

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    On: June 15, 2023
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Royal Sundaram Reviews

Royal Sundaram Car Insurance Own Damage FAQs

  • What is Royal Sundaram Own Damage Insurance Plan?

    Royal Sundaram own damage insurance is a type of motor insurance plan offered to the policyholders in order to help them in protecting their own car from the damage or loss incurred because of theft, accident, or any mishap, etc. The cost incurred for repair of damages to the insured vehicle is given to the policyholder by Royal Sundaram general insurance company.

  • Is it necessary to purchase an own damage insurance plan for my car?

    No, it is not necessary to buy an own damage insurance plan for your car. However, as per the Indian Motor Tariff Act, a standard third party liability insurance plan for your car is compulsory in order to ply on the public roads in India without attracting any fines or penalty upon getting caught during checking by the traffic police.

  • How does premium calculation for my Royal Sundaram own damage insurance plan takes place?

    The premium calculation for your Royal Sundaram own damage insurance plan is dependent upon various factors like geographical zone, make of the car, type of vehicle, model of the car, insured declared value of the car, Cubic capacity of your car’s engine, etc.

  • How can I reduce the premium of my Royal Sundaram own damage insurance plan?

    You can reduce the premium of your Royal Sundaram own damage insurance plan by doing the following:

    • Increase the amount of voluntary deductibles to reduce the amount of your own-damage premium.
    • Ensure that you have transferred your No Claim Bonus to your existing insurance plan.
    • Make sure that you declare the correct Insured Declared Value of your car.

  • What is an Own damage premium?

    The cost that the policyholder is supposed to pay in order to get an own damage insurance is known as own damage premium. The price paid for premium is generally calculated depending upon the vehicle type, its age, engine cc, and the area in which you are using it.

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