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  • CASHLESS GARAGES 7600+
  • CLAIMS SETTLED 99%
  • ZERO DEP. CLAIMS UNLIMITED
Key Features:
  • Right Green Tick Zero Depreciation till 7 years
  • Right Green Tick 6-Month Repair Warranty
  • Right Green Tick Free Pick-Up and Drop
  • Right Green Tick Quick Claim Settlement

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Royal Sundaram Zero Depreciation Add-on

Your car, just like any other commodity, loses value with age. This devaluation with time is known as depreciation. When you buy a car insurance policy, there is a condition, with which you need to comply. It is that the insurer will not bear the cost of depreciation while settling claims. This means that the insurance company will factor the depreciation from the claim amount and you would receive a lesser claim amount. Opting for a Zero Depreciation add-on cover from Royal Sundaram with its comprehensive policy protects you from the liability of bearing the cost of depreciation and enable you to claim a higher amount at the time of settlement.

Benefits of Royal Sundaram Zero Depreciation Cover

In lieu of an extra premium, a zero depreciation add-on cover offers you the following benefits:

  • Higher Claim Amount: Zero Depreciation add-on cover exempts you from bearing the cost of depreciation. It makes the company liable to sanction claims without the deduction of depreciation. This enables you to get a higher claim amount, which would not have been possible otherwise. Compared to the cost of availing this add-on, the claim amount is much more and makes the entire claim highly cost-effective.
  • Complete Coverage: With the zero depreciation add-on the insurer provides coverage for your car and all its parts at 100% except tyres, tubes and batteries for which the cover is provided at 50%.
  • Unlimited Claims: Unlike most of the other insurers, Royal Sundaram allows you to make an unlimited number of claims under the zero depreciation cover.
  • Free Consumable Add-on: Royal Sundaram offers free consumable add-on with the purchase of its zero depreciation add-on.

Depreciation Rate Applicable on Car With And Without Zero Depreciation Add-on

Age of Car

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

Factors Affecting Digit Zero Depreciation Cover

Royal Sundaram Zero Depreciation comes with multiple benefits provided that the following conditions are fulfilled:

  • Vehicles older than 5 years are not eligible for this cover.
  • It is not available for imported vehicles or whose production had ceased or whose parts are not available.
  • The pricing is based on Insured Declared Value (IDV), age, engine displacement and make of the insured car.
  • Claims made under Self Authorization mode- when the vehicle is repaired without proper consultation from the insurer.
  • The Zero Depreciation add-on cover is offered on an annual basis, which means, it needs to be renewed along with the comprehensive policy cover.

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

    Read More

    J
    By Jatin Nagpal
    On: March 2, 2024
  • Tailored to Your Unique Needs

    What sets InsuranceDekho apart is its ability to tailor comprehensive coverage to individual needs. They work with me to determine the right level of protection for my Hyundai car, providing a personalized service. I am very happy with the Royal Sundaram Car Insurance Policy.

    Read More

    B
    By Badal Shaikh
    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.

    Read More

    R
    By Ruhan Patel
    On: October 17, 2023
  • User-Friendly Website for Thir...

    The InsuranceDekho website and mobile app are both intuitive and easy to use. Whether you're comparing policies, getting quotes, or renewing your insurance, their online platform simplifies the process. I was easily able to secure the Royal Sundaram Car Insurance Policy for my Honda car.

    Read More

    By Farida Banu
    On: September 29, 2023
  • Effortless Policy Purchase

    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.

    Read More

    A
    By Anita Gurung
    On: September 14, 2023
  • Quick and Convenient Quote Gen...

    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.

    Read More

    P
    By Prashant Rout
    On: September 12, 2023
  • Best Decision I Made for My Ca...

    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.

    Read More

    H
    By Harman Chahal
    On: September 8, 2023
  • Trustworthy Repairs

    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.

    Read More

    By Pankaj Kapoor
    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.

    Read More

    P
    By Purnima Bakshi
    On: September 4, 2023
  • Smooth and Transparent Claim P...

    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.

    Read More

    M
    By Mihika Pathak
    On: August 29, 2023
  • Could easily purchase an own d...

    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.

    Read More

    S
    By Sirisha Anand
    On: August 25, 2023
  • Informational Insights into In...

    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.

    Read More

    N
    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.

    Read More

    By Dimpy Sandhu
    On: August 10, 2023
  • A Must-Have Tool for Car Owner...

    If you own a car, InsuranceDekho's premium calculator is a must-have tool. It simplifies the process of comparing and selecting the right insurance policy, giving you peace of mind knowing you made the best choice. Because of this tool, I was able to secure the Royal Sundaram Car Insurance Policy for my BMW.

    Read More

    A
    By Arti Luthra
    On: August 8, 2023
  • Smooth and Transparent Claims ...

    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.

    Read More

    D
    By Daman Bhasin
    On: July 31, 2023
  • Incredible Savings on Repairs ...

    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!

    Read More

    P
    By Preeti Babbar
    On: July 25, 2023
  • Prompt process

    InsuranceDekho's own damage policy has proven to be trustworthy and reliable. The prompt and efficient claim settlement under the Royal Sundaram Car Insurance Policy for my Land Rover, along with their customer-centric approach, earned my trust as a satisfied customer.

    Read More

    N
    By Nishtha Batra
    On: July 21, 2023
  • No Claim Bonus Benefits

    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.

    Read More

    R
    By Rajveer Singh
    On: July 19, 2023
  • Skilled Mechanics

    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.

    Read More

    P
    By Pratik Bist
    On: July 17, 2023
  • Smooth and Efficient Claim Pro...

    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!

    Read More

    S
    By Sanya Chhadda
    On: July 13, 2023
  • Peace of Mind during Accidents...

    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.

    Read More

    M
    By Madhu Iyengar
    On: July 11, 2023
  • Competitive Premium Rates

    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.

    Read More

    M
    By Maya Mahapatra
    On: July 7, 2023
  • Transparent Assumptions and Fa...

    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.

    Read More

    By Medhavi rajpal
    On: July 5, 2023
  • Quick Settlement

    When I filed a claim with my third-party Royal Sundaram Car Insurance Policy for my Ford, InsuranceDekho settled the claim very quickly. I was very happy with how quickly the process was handled.

    Read More

    By Fiona D’Souza
    On: June 29, 2023
  • Peace of Mind

    I was very impressed with the customer service at the cashless garage. The executives were always friendly and helpful, and they went out of their way to ensure I was satisfied with the repairs. I felt like I could relax and let them take care of everything. So thankful to InsuranceDekho for helping me select the Royal Sundaram Car Insurance Policy for my BMW.

    Read More

    P
    By Priyanka Vats
    On: June 27, 2023
  • Unmatched Support in Times of ...

    When my Chevrolet car suffered significant damage due to a hailstorm, my Royal Sundaram Car Insurance Policy with the own damage benefit came to the rescue. InsuranceDekho promptly arranged for repairs and covered all expenses, ensuring I received unmatched support during this challenging time. I couldn't be more grateful for the peace of mind this policy brings.

    Read More

    V
    By Veer Rawal
    On: June 23, 2023
  • Timely Claims Settlement

    One of the standout aspects of the car insurance claim with the Royal Sundaram Car Insurance Policy was the timely settlement. Once all the required documents were submitted, InsuranceDekho promptly assessed the claim and processed the settlement. I received the reimbursement for the damages within a reasonable timeframe for my Chevrolet.

    Read More

    P
    By Poonam Rauthan
    On: June 21, 2023
  • Comparison of Premiums from Mu...

    Some premium calculators at InsuranceDekho offer the option to compare premium quotes from multiple insurers. It allows me to evaluate different insurance providers and select the one that offers the best coverage at a competitive premium. I ended up buying the Royal Sundaram Car Insurance Policy for my Chevrolet car from them.

    Read More

    S
    By Simar Singh
    On: June 19, 2023
  • Protection Against Unpredictab...

    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.

    Read More

    T
    By Tanya Kumar
    On: June 15, 2023
  • Transparent Terms and Conditio...

    The terms and conditions of the third-party coverage were transparent and clearly outlined in the Royal Sundaram Car Insurance Policy. I knew exactly what was covered and the limits of the coverage, ensuring clarity and understanding while securing my Volvo from InsuranceDekho.

    Read More

    P
    By Pranshant Gangwar
    On: June 13, 2023
Royal Sundaram Reviews

Royal Sundaram Zero Depreciation Cover FAQs

  • What is the minimum premium for the zero depreciation add-on cover?

    The minimum premium amount for Royal Sundaram zero depreciation add-on cover is Rs 100. However, the amount of exact premium depends on the type of add-on cover availed.

  • How can I buy the zero depreciation add-on cover?

    If you are a new car owner then you can purchase the add-on cover while buying the comprehensive insurance policy. However, if you have an existing insurance policy without zero depreciation cover, then you can avail the add-on while renewing your policy and get an inspection done for your vehicle.

  • What is not covered under the zero depreciation add-on cover?

    The points that are not covered under the zero depreciation add-on are Deductibles (compulsory and voluntary), Damage caused by perils, Mechanical breakdowns, Uninsured accessories and fuel kit, Claims made under the self-authorisation mode, and Theft of car parts/accessories.

  • Who should opt for the Zero Depreciation Cover?

    Any car owner should opt for the Zero Depreciation add-on to avoid the depreciation charge and the expense of repairing or replacing car parts. However, it is best suited for luxury car owners and new drivers.

  • Does the Zero Depreciation cover provide for plastic parts of cars?

    Yes, the Zero Depreciation provides coverage for the plastic parts of the insured car. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%. But with the Zero Depreciation cover, the charges become nil.

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