Royal Sundaram Car Insurance

Having a car insurance policy is important if you are a car owner, especially a third party liability car insurance since it is mandatory as per law. Royal Sundaram General Insurance Co. Ltd., formerly known as Royal Sundaram Alliance Insurance Company Limited is one of the leading car insurance companies in India. Royal Sundaram Car Insurance offers stand alone third party, stand alone own damage and comprehensive car insurance policies. [1]

Overview

Royal Sundaram Car Insurance was founded in the year 2001 and has insured more than 2 crore Indians so far. Spread across 160+ branches across the country, Royal Sundaram Car Insurance has a claim settlement ratio of 98.33%. [2] The company has over 10,000 cashless garages across India and offers 11 different types of add ons to choose from when you buy stand alone own damage or comprehensive car insurance.

Key Features

The key features of Royal Sundaram Car Insurance are:

1. Unlimited Zero Dep Claims: With Royal Sundaram Car Insurance, get unlimited zero depreciation claims up to your Insured Declared Value (IDV).

1. Unlimited Comprehensive Claims: Royal Sundaram also offers unlimited comprehensive claims in a given policy year.

Key Metrics

Eligibility To Purchase A Car Insurance Plan

To purchase Royal Sundaram car insurance plan, you must have the following in place:

• Your car must be registered under the Regional Transport Office (RTO)
• You must have your car’s Registration Certificate or RC
• You must have a valid driving licence (DL)
• It is advisable to have two passport size photographs (one digital copy if the policy is being taken online)
• Other documents may be required depending on insurer to insurer

Types of Car Insurance Plans Offered by Royal Sundaram

There are three kinds of car insurance that Royal Sundaram offers for you to choose from - third party liability, stand alone own damage and comprehensive car insurance.

• Third Party Liability Car Insurance: Also known as stand alone third party car insurance, this insurance policy covers the policyholder from legal and financial liabilities arising due to an accident involving a third party person or their property. Note that it is important to have a third party car insurance in India as per law.

• Stand Alone Own Damage Car Insurance (SAOD): A stand alone own damage car insurance is a type of motor insurance that covers replacement or repair cost for the vehicle of the policyholder. These damage, repair or replacement can be a result of natural or man made disasters, theft, burglary, fire, etc. The policyholder also has an option of choosing additional benefits or add ons with a stand alone own damage car insurance.

• Comprehensive Car Insurance: With a comprehensive car insurance plan, you can be relaxed and stress free regarding any issue arising due to an accident to your car or to a third party person or property. This is because comprehensive car insurance gives you the benefits of both third party as well as stand alone own damage car insurance.

Add-ons Offered By Royal Sundaram Car Insurance

Add-ons are additional coverage or benefits that you can opt for along with your car insurance plan (comprehensive and stand alone), which enhances the coverage of your car insurance. These add ons come at a fractional cost and you can choose the ones which you require based on your need. There are a total of 11 add ons offered by Royal Sundaram Car Insurance as listed below:

• Zero Dep Cover: Zero dep or nil depreciation cover is a type of add on that protects your car’s value and helps you in getting the payment even for the depreciated value of your car. This means your complete sum insured without the deductions on the depreciated parts.

• Aggravation Cover: With this cover, you can drive your car in the waterlogged streets of your city without fear as this add on protects your car’s engine.

• Key Replacement Cover: This cover helps get you a repair or replacement cost for your car’s lost, damaged or stolen keys. Note that a key replacement cover is highly recommended for car owners who have a car worth 10 lakh and above since their key making cost is also very high.

• Windshield Glass Cover: A windshield glass cover protects your car’s windshield glass and provides repair or replacement benefits if required. Usually, when you make a claim for windshield repair or replacement, it breaks your no claim bonus (NCB) amount. However, with this cover, you do not have to worry about your NCB as that stays intact.

• Loss of Baggage Cover: In case your baggage gets lost from your car and you have this cover, your no claim bonus amount will be intact when you make a claim for loss of baggage.

• Vehicle Replacement Cover: In case of theft or total damage of your car, this cover will help you get the complete vehicle invoice amount along with insurance premium price, car registration charges as well as road tax.

• Roadside Assistance: In case your car gets broken or faces some issues on the road or has a breakdown, this cover will help you get minor repair assistance, towing assistance and mechanic assistance on the road.

• Spare Car Cover: With this add on you will get the cost of daily allowance for covering your cost if your car is in the garage for more than 1 day. In some cases, you might also be provided with a spare car depending on your agreement with the insurer.

• Hybrid Car: With this cover you get extra towing coverages in addition to the standard towing coverage with roadside assistance.

• Smart Save: With this add on you get a benefit of additional no claim bonus discount when you get your vehicle repaired from one of Royal Sundaram’s trusted partner garages.

• Voluntary Deductible: If you agree to pay a specific deductible amount as a contribution towards each of your claims, you will be able to avail a 15 to 35% of discount on your premium price.

What Is Covered and What is Not Covered?

The inclusions and exclusions under Royal Sundaram Car Insurance are listed below:

Inclusions

1. Accidents: Any loss or damage that might occur due to collision or accidents are covered under Royal Sundaram Car Insurance.
2. Fire: Any accidental damage occurring to your car is covered when you take Royal Sundaram own damage or comprehensive car insurance.
3. Theft: In case your car is stolen, it is covered under your car insurance.
4. Third Party Losses: In case of damage or loss caused to a third party person or property due to an accident with your car, that’s covered under your car insurance.
5. Natural Disaster: Any damage caused due to flood, cyclone, earthquake etc which is considered as natural disaster is covered under your Royal Sundaram Car Insurance.
6. Personal Accident: In situations where you have sustained an injury during a car accident, you are covered for the same under your car insurance.

Exclusions

1. Riding Without Valid Driving Licence: In case you are found to be driving without a valid licence during an accident, then your expenses won’t be covered under your car insurance.
2. Drunk Driving: Driving under the influence of alcohol is not covered under Royal Sundaram Car Insurance policy.
3. Speed Testing and Racing: Any damage caused due to speed testing or racing with someone on the road or an organised racing are not covered under your car insurance policy.
4. Damage to Your Personal Property: Any damage caused to your personal property due to a third party is not covered under your insurance plan.
5. Wear and Tear: Usual or regular usage related wear and tear of your car parts are not covered under your car insurance policy.
6. Consequential Damage: Any loss which is caused as an indirect result of an accident is not covered under your car insurance plan.

How to Claim Your Royal Sundaram Car Insurance?

Before making a car insurance claim, make sure you have documents like your KYC details, driving licence, car registration number, FIR details, car repair bills if any, and proof of accident like videos and pictures in place.

Now you can follow the steps mentioned below:

Step 1: Inform Your Insurer

Make sure you inform your insurer about the accident immediately after filing your FIR with the police.

Step 2: Submit Documents

Submit all the documents required by your insurer to ensure a smooth claim process. Do submit all the proofs gathered like videos and pictures.

Step 3: Get Repair Done

Once the documents are submitted, a surveyor will be appointed by your insurer.

The findings of the surveyor will be submitted to the Motor Accident Claims Tribunal or MACT who will decide on the claim status and amount. As per the MACT results your money will be transferred to you in case of theft or total loss of car or the claim will be approved for garage repair or replacement of car parts.

Royal Sundaram Car Insurance Renewal Process

To renew your Royal Sundaram Car Insurance through InsuranceDekho, follow the steps mentioned below:

Step 1: Visit InsuranceDekho website

Visit InsuranceDekho’s website. Select Renew Policy from the header menu on top.

Step 2: Verify Details

Enter your mobile number to verify through OTP.

Step 3: Select Your Policy and Review Details

You will now be able to see your dashboard. Select Royal Sundaram Car Insurance from the list of all your open policies. Review your policy before renewing, make changes if any and then proceed.

In case you want to port your policy, you can connect with an InsuranceDekho agent on call +91-7551196989

Step 4: Make Payment

Choose your preferred payment method like UPI, debit or credit card or through net banking. Once your payment is done, you will be able to download your car insurance policy as it will be renewed.

Royal Sundaram Car Insurance Customer Service & Support

Royal Sundaram Car Insurance Support

• Phone Number: 1800-568-9999
• Whatsapp: 9384810099
• Email: care@royalsundaram.in

InsuranceDekho Customer Support

• Phone Number: +91-7551196989
• Email: support@insurancedekho.com

Complaints & Grievance Redressal

Royal Sundaram Grievance Redressal

• Address: Royal Sundaram General Insurance Co.Limited Vishranthi Melaram Towers No.2/319 , Rajiv Gandhi Salai(OMR) Karapakkam,Chennai - 600097
• Email: grievance.redressal@royalsundaram.in
• Senior Citizens can email on seniorcitizengrievances@royalsundaram.in

InsuranceDekho Grievance Redressal

• Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
• Contact Centre : Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
• Visit our website https://www.insurancedekho.com/contact-us