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Royal Sundaram Car Insurance

Royal Sundaram General Insurance Co. Ltd. (formerly known as Royal Sundaram Alliance Insurance Company Limited) is a subsidiary of Sundaram Finance. It was India’s first general insurance company from the private sector when it received its license on October 2000 from the IRDAI. The company provides general insurance, car insurance, travel insurance, health insurance and accident insurance. They currently have 5.20 million customers and 1700 employees in India. They are present in 125 cities across India.

Key Highlights of ROYAL SUNDARAM General Insurance
  • Cashless network across 3300+ garages in India
  • Incurred claim ratio of 82.73%
  • Upto Rs. 7.5 lac for Third-party cover
  • Upto 35% discount upon opting for Voluntary Deductible
  • Baggage loss is covered within policy

ROYAL SUNDARAM General Insurance at a Glance
  • Royal Sundaram General Insurance currently has a 7.3% market share in private sector
  • Enforced by a strong distribution network across 125 cities
  • Cashless service across 3300+ garages in India
  • Covers cars from 24 reputed Car manufacturers and 7 bike manufacturers in India

Documentation needed to apply for Royal Sundaram Car Insurance policy
  • Completely filled cover note / application form with contact numbers
  • Name of insured person
  • Vehicle number
  • Make and model of the vehicle
  • Identification card
  • Copy of RC
  • Copy of previous insurance ( for renewal)

Royal Sundaram Car Insurance plans at a glance
  • Car Insurance plan

Royal Sundaram Car Insurance Plans
Plan Name Benefits
Car Insurance
  • Free roadside assistance kit and 24x7 roadside assistance
  • Cashless coverage across 3300+ garages for four-wheelers
  • Third-party cover upto Rs 7.5lacs
  • Basic cover includes Car Shield which provides coverage against natural and man-made calamities, personal accident cover and liability to third-parties
  • Discount on basic coverage available

Royal Sundaram Car Insurance Plan Features
Car Shield - Provides coverage against man-made and natural calamities like

  • Fire & Explosion
  • Riot & Strike
  • Malicious Act
  • Burglary, housebreaking/ Theft
  • Landslide
  • Earthquake
  • Storm and Flood
  • Terrorism
Royal Sundaram Car Insurance Add-Ons
Car Shield Additional Cover – Provides additional coverage like:

  • Personal Accident Cover for Unnamed Passengers and paid driver for a maximum of Rs. 2 Lacs per person.
  • Legal liability for the driver of the insured car.
  • Legal Liability of employees of the insured, other than the driver of the insured car.
  • Comprehensive cover for Electrical / Electronic / Non-Electrical Fittings in the car.
  • Cover for CNG Kit and Bi-Fuel System
Depreciation Waiver Cover – Normally, during a claim, a particular percentage is deducted for depreciation of the car, depending upon the age, location of the damage and other factors. With this add-on cover, depreciation on plastic and metal parts is waived off. Here is the depreciation table for deduction:

Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

Windshield Glass Cover – If the front/rear windshield of the car gets damaged, the same will be replaced without any cost and it won’t be registered as a claim either. As a result, the No-Claim Bonus stays intact.

Voluntary Deductible Cover - The policy holder can reduce premium up to 35% by opting for this cover. With this add-on, the policy holder will agree for a specified amount to be paid out of pocket and the rest will be settled by the company as per terms.

Full Invoice Price Insurance Cover – Normally, a new private car is insured upto 95% only, but with this cover, a car-owner can get 100% for the vehicle. In the event of a claim, the policy holder will receive 100% of list price, irrespective of depreciation.

Loss of Baggage Cover – With this cover, any damage to baggage inside the damaged/insured car will be covered.

Spare Car Clause – The policy holder is liable to receive daily cash benefit for conveyance expense in case the original vehicle has broken down or has been damaged.

Features Description
CLAIM AMOUNT (IN Rs) # Upto 20,000 20,001 to 50,000 50,001 to 1 Lac Greater Than 1 Lac
Maximum No Of Days* 3 27 10 15
Benefits per Day in Rs. Rs 150 or in multiples of Rs 50 there of Rs 150 or in multiples of Rs 50 there of Rs 150 or in multiples of Rs 50 there of Rs 150 or in multiples of Rs 50 there of

Engine Protector Coverage – With this cover, damage to engine and engine parts are provided financial protection due to water ingression or leakage of lubricating oil or coolant. Parts covered are internal engine parts, internal gear box parts, transmission or differential internal parts, power steering pump’s internal parts.

NCB Protector – Policy holder can avail 20-50% discount on next renewal if no claims are made during the current policy period.

Key Protector Cover – In case, the keys to your car is stolen or damaged, the same will be replaced without any costs.

Tyre Cover – Generally, damage to tyres are only covered if the car has met with an accident. With this cover, the policy holder can take advantage of coverage for tyres as well.

Lifetime Road Tax Clause – With this add-on, in case the car is stolen or faces total loss, the company will pay back the residual amount of the Lifetime Road Tax that had been paid by the owner.

Personal Accident for Owner/Driver-This feature provides financial coverage for the owner/driver holder in case of any accident and any resulting damage.

Details of Injury Scale of Compensation
i) Death 100% of CSI
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100% of CSI
iii) Loss of one limb or sight of one eye 50% of CSI
iv) Permanent Total Disablement from injuries other than named above 100% of CSI

Third party liability –This feature is mandated by Indian law and regulated by the IRDAI (Insurance Regulatory and Development Authority of India) to ensure protection for any damage caused to a third-party due to the policy holder’svehicle.

No Claim Bonus(NCB) –With this feature, the car owner can receive discount during renewal of policy, if no claim has been made during the policy period. Discount can reduce premium by upto 50%.

List of Manufacturing Tie-ups (Car)
Tata Motors
Ford Motors
General Motors
Mercedes Benz
Land Rover
Force Motors

Claim Process for Royal Sundaram Car Insurance (Step wise)
Step Description
1: Register claim by phoning in 1860 425 0000 or write to customer.services@royalsundaram.in
2: Survey will be arranged upon receipt of claim; Original Registration Certificate and Driving licence to be submitted to the company for verification
3: Duly filled in &signed claim form to be submitted to the Repairer/Surveyor
4: FIR to be filed in the same location where the third party injury/death/property damage has occurred.
5: Cashless facility provided if required documents are produced the satisfaction. For reimbursement claims, original cash bill or invoice with cash receipt is required
6: Vehicle delivery

Royal Sundaram Car Insurance –FAQs
1.What all included in third-party cover?
Third party insurance covers liabilities like third party damage (property and individuals), and passenger cover. Expenses arising from damage of the vehicle is excluded

2.What is deduction for depreciation?
Please visit Reliance General Insurance website
Every car has certain parts of metal, plastic, nylon and rubber. Upon damage, these parts are not fully covered. Coverage will be in accordance to the depreciation value

Not exceeding 6 months NIL
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 3 years but not exceeding 4 years 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 years but not exceeding 10 years 40%
Exceeding 10 years 50%

3.What are the documents required to file a claim with Royal Sundaram?
Documents required include:
  • Policy number
  • Your contact numbers
  • Name of insured person
  • Date & time of accident
  • Vehicle number
  • Make and model of the vehicle
  • Location of loss
  • Extent of loss
  • Brief description of how the accident took place
  • Garage name (with contact details)
  • Contact details and name of the insured person (if the person intimating the claim is not insured)
4.What is the helpline number of Royal Sundaram Car insurance for claims process?
The helpline number for the claims process is 1860 425 0000.

5.What is Insurance Declared Value?
It is the price of the vehicle after adjusting requisite depreciation against the manufacturers list price.