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Key Features:
  • No Inspection Needed
  • Immediate Policy Issurance

Top Royal Sundaram Bike Insurance Plans

PLAN TYPE: Comprehensive
Starting From 714
PLAN TYPE: Third Party
Starting From 714
PLAN TYPE: Own Damage
Starting From 250

Calculate Your Bike Insurance Premium Online

Select your Two wheeler brand

  • Hero
  • Honda
  • TVS
  • Bajaj
  • Yamaha

Which city is your Two wheeler registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your Two wheeler?

Have you made a insurance claim in the previous year?

About Royal Sundaram Bike Insurance

A leading bike insurance company in India, Royal Sundaram provides bike insurance at very affordable premiums. Royal Sundaram offers three basic types of two-wheeler insurance for their customers. These include third-party insurance, standalone own-damage insurance, and comprehensive plans. The company is also well-known for providing the best customer service and has a presence all over the country.

Key Features of Royal Sundaram Bike Insurance



Claim settlement ratio


Founding year


Number of cashless garages


Claim settlement assistance


Personal accident cover

Up to Rs. 15 lakh



Third-party liability

Yes, covered

Why Should You Buy Bike Insurance with Royal Sundaram?

With so many bike insurance companies available it often becomes confusing to select the right one. Listed below are some of the reasons why you should buy bike insurance with Royal Sundaram:

  • Protection Against Damage: With Royal Sundaram bike insurance plans, you can get protection against any damage to your bike. Be it collisions or damage due to natural disasters, Royal Sundaram bike insurance plans provide the necessary coverage for all.
  • Personal Accident Cover: Royal Sundaram also provides a Personal Accident Cover of up to Rs. 15 lakhs. Under this cover, you can also include a specific number of co-passengers.
  • Backed by Powerful Technology: To make the customer experience even more hassle-free, Royal Sundaram is backed by powerful technology. It has M-Inspect and M-Chatra app that provides all details related to inspection and policy in one place.
  • Quick Claim Settlement: Royal Sundaram has a claim settlement ratio of 98.60%. With Royal Sundaram, you can get all your claims settled in a convenient manner and within very little time.
  • Extensive Network of Cashless Garages: Royal Sundaram has over 3,300 cashless garages which makes it easier for policyholders to get their vehicle repaired in a cashless manner. At these cashless garages, policyholders need not spend anything from their pocket and all the repair amount will be directly settled by Royal Sundaram.

Royal Sundaram Bike Insurance Premium Calculation

Before buying a bike insurance plan with Royal Sundaram, you must first check its premium. Listed below are the steps to check Royal Sundaram bike insurance premium:

  • Go to the official website of Royal Sundaram and navigate to the bike insurance premium calculator
  • Next, enter details like bike mode, fuel type, IDV, and other details
  • Based on the information entered, you will then be able to view the premium details on your screen

Types of Royal Sundaram Bike Insurance

Listed below are the different types of bike insurance plans that you can buy with Royal Sundaram:

  • Third-party Bike Insurance: Third-party bike insurance is mandatory as per the Motor Vehicles Act of 1988. It provides coverage if a third party is injured or faces any damage due to the insured vehicle. Moreover, it is important to note that those riding a two-wheeler without third-party bike insurance will be imposed a certain fine.
  • Standalone Own Damage Bike Insurance: Standalone Own Damage Bike Insurance provides coverage if there is any damage to the insured two-wheeler.
  • Comprehensive Bike Insurance: Comprehensive bike insurance provides coverage for both third-party and standalone damages. This means that with Comprehensive Bike Insurance, you can ensure complete protection for your bike.

List of Add-ons Available with Royal Sundaram Bike Insurance

You can include the following add-ons to your base two-wheeler insurance plan:

Factors Affecting Royal Sundaram Bike Insurance Premium

Factors affecting Royal Sundaram bike insurance premium include:

  • Bike Model: The make, model, and engine capacity of the bike significantly impact the premium. High-end and powerful bikes usually have higher premiums due to increased repair costs.
  • Age of Bike: Older bikes may have lower premiums as their value depreciates over time, reducing the insurer's liability in case of a claim.
  • Insured Declared Value (IDV): The IDV is the bike's current market value, and a higher IDV leads to a higher premium.
  • No Claim Bonus (NCB): A higher NCB lowers the premium as it rewards policyholders for not making any claims in the previous year.
  • Add-On Covers: Opting for additional coverage like zero depreciation, roadside assistance, and personal accident cover increases the premium.
  • Rider's Age and Experience: Younger and inexperienced riders may attract higher premiums due to perceived higher risk.
  • Safety Features: Installing anti-theft devices or safety features can lead to premium discounts.

Tips to Choose the Right Bike Insurance Plan

Listed below are some of the useful tips in which you can select the right bike insurance plan:

  • Check the claim settlement ratio of the insurer. It is always advisable to buy bike insurance from a company that has a higher claim settlement ratio.
  • Compare the coverage offered under different bike insurance plans and accordingly make a choice.
  • Also, evaluate the premium before buying any bike insurance plan. This will give you a clear understanding of the bike insurance premium you need to pay.
  • To get the benefit of cashless repairs, It is wise to buy bike insurance from an insurer that has a greater number of network garages. The more the number of cashless garages, the easier it becomes for you to locate a network garage in your area.

Inclusions and Exclusions in Royal Sundaram Bike Insurance

Following is the coverage offered in the Royal Sundaram bike insurance plan:

  • Any damage due to accidents
  • Any damage due to natural calamity or fire explosion
  • If the insured bike is lost or stolen
  • If a third-party is injured due to the insured vehicle

Some of the exclusions of Royal Sundaram Bike Insurance are:

  • Any damage that takes place when the rider is found overspeeding
  • Normal wear and tear
  • If the driver is found riding without a valid driving license and an accident takes place
  • Any damage due to irresponsible behaviour of the rider where he/she is found riding under the influence of alcohol or drugs

How to Buy Royal Sundaram Bike Insurance Online?

Wondering how to buy Royal Sundaram bike insurance online? Here are the steps you need to follow for the same:

  • Click on the bike insurance option on the official website of InsuranceDekho.
  • Visit to the Royal Sundaram Bike Insurance Page.
  • Enter details of your bike such as its model, purchase year, and other details
  • Check the quotes page and select a desired bike insurance plan. Also, include the necessary add-ons to the plan
  • Proceed with making the payment for the plan you have selected
  • Once your payment has been approved, you will receive the policy details on your registered email id.

Benefits of Purchasing Royal Sundaram Bike Insurance Online

Following are the benefits of purchasing Royal Sundaram Bike Insurance online:

  • Time-Saving: Online transactions are quick and efficient, saving you time compared to visiting a physical office or dealing with paperwork.
  • 24/7 Availability: Online platforms are accessible 24/7, allowing you to buy insurance at any time that suits you, without being restricted by office hours.
  • Transparent Information: Online platforms provide detailed information about the available policies, coverage options, terms, and conditions, empowering you to make an informed decision.
  • Easy Documentation: Uploading and managing documents online is straightforward, eliminating the need for physical copies and reducing the risk of loss.
  • Instant Policy Issuance: Upon successful payment, the policy is usually issued immediately, providing you instant coverage and peace of mind.

How To Renew Royal Sundaram Bike Insurance?

Here's how to renew Royal Sundaram bike insurance:

  • Visit the official website of Royal Sundaram.
  • Enter your name, email address, policy details, and other information.
  • You'll be taken to the quotations page.
  • Pay the Royal Sundaram two-wheeler insurance premium and select the add-ons you want to include in your plan.
  • Finally, information about your vehicle insurance renewal will be sent to your registered email address.

How to Raise Bike Insurance Claim with Royal Sundaram?

To raise the Royal Sundaram bike insurance claim, here is all that you need to do:

  • First, inform Royal Sundaram about the mishap. You can do this through an online process or by calling on their toll-free number.
  • Then, a customer service executive will get in touch with you to get started with the claim process. You also need to submit relevant documents like policy papers, FIR, and others.
  • A surveyor will be assigned to evaluate the total damage to the bike and accordingly send an estimated report to Royal Sundaram.
  • For cashless claims, your bills will be directly settled by Royal Sundaram. On the other hand, in case of reimbursement claims, you need to submit the original repair bills to get the total amount reimbursed.

Documents Required To Raise Royal Sundaram Bike Insurance Claim

Listed below are the documents required to file Royal Sundaram Bike Insurance:

  • A copy of the your two-wheeler insurance
  • Copy of valid driving license
  • Repair bills
  • Copy of registration certificate
  • FIR
  • Duly-signed claim form

Royal Sundaram Bike Insurance User Reviews

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What users are saying
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  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
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  • Policy Download
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  • Add On
  • Exceptional Service & Team Sup...

    I recently purchased Royal Sundaram Bike Insurance and I received exceptional customer support from the Insura...

    By Vaishnavi bajaj
    On: March 5, 2024
  • Transparent Claim Settlement

    The transparency in InsuranceDekho's claim settlement is commendable. I always knew what was happening with ...

    By Ankit Lokhande
    On: November 24, 2023
  • Customizable Comprehensive Cov...

    InsuranceDekho's comprehensive coverage that comes with the Royal Sundaram Bike Insurance Policy is highly c...

    By Shivam Bhardwaj
    On: September 27, 2023
  • Prompt Customer Support

    I had a few questions about the terms of my third-party car insurance for my BMW bike, and I reached out to ...

    By Amit Khurana
    On: September 25, 2023
  • User-Friendly Cashless Garage ...

    Happy to have secured my Jawa bike under the Royal Sundaram Bike Insurance Policy. InsuranceDekho's online t...

    By Pratuskh Thankur
    On: September 21, 2023
  • Transparent Terms and Conditio...

    I appreciate the transparency of InsuranceDekho's own damage policy terms and conditions for the Royal Sunda...

    By Gurpreet Sandhu
    On: September 14, 2023
  • Prompt Renewal Support

    Whenever I have questions about the renewal of my Royal Sundaram Bike Insurance Policy, InsuranceDekho's sup...

    By Balbir Singh
    On: September 12, 2023
  • Excellent Coverage

    With InsuranceDekho's comprehensive coverage, I get excellent protection for both own damage and third-party...

    By Kunal Kumar
    On: September 8, 2023
  • Expertise and Professionalism

    The mechanics at InsuranceDekho's Cashless Garages demonstrate exceptional expertise and professionalism. Th...

    By Vasydev Kukreja
    On: September 4, 2023
  • Reliable Partner for Car Prote...

    InsuranceDekho has proven to be a reliable partner in protecting my Aprilia bike. Their own damage insurance...

    By Manish Kadakia
    On: August 28, 2023

Royal Sundaram Two-Wheeler Insurance FAQs

  • What are the unique features of two-wheeler insurance policies offered by Royal Sundaram General Insurance?

    The two-wheeler insurance policy from Royal Sundaram has some exquisite features that make it approachable by the customers. The features are the following:

    • Online policy- The policyholders can buy or renew their policy online.
    • Long term plans- The two-wheeler insurance policy offers a cover of 2 to 3 years.
    • Network garages- It provides cashless repair and replacement services at more than 3,300 network garages.
    • Quick claim settlement- It offers a hassle-free settlement of the claim.
  • How is the premium on my policy determined?

    Following are the factors that determine the premium paid by the policyholder for an insurance policy:

    • IDV (Insured Declared Value).
    • Place of registration.
    • Policy tenure.
    • Cubic capacity of the vehicle.
    • Age of the vehicle.
  • Why should I take two-wheeler insurance from Royal Sundaram?

    Royal Sundaram is one of the most reputed names in the insurance industry. You can take a policy with a coverage of 2 to 3 years from it. It featured an excellent claim settlement ratio of 92.66%. It claims to settle down the claim request within 10 working days. The customer support is available 24x7 to solve all your problems.

  • I do not have a luxury bike, should I take two-wheeler insurance?

    Life is uncertain and an accident will never knock before arriving. It is important to be prepared for an unfortunate event in advance. An insurance policy will cover you against various legal as well as financial liabilities arising out of those unforeseen events. No matter if you have a basic or a luxury bike being covered is important.

  • I want to seek details of bike insurance policy, whom should I contact?

    To seek any details about the insurance policy you can refer to your policy document or contact the customer support assistants by dialling the toll-free number 1860-425-0000. They are 24x7 available for the service.

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Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.
#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.