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Royal Sundaram Car Insurance

394 reviews Rate This
    Network Garages3300+
    Claim Settlement Ratio92.66%
    Emergency AssistanceAvailable 24/7
    Policies Issued20.6 lakh+ in FY20
    Number of Customers45 lakh+
    Presence156+ branches

    About Royal Sundaram Car Insurance

    Royal Sundaram General Insurance Co. Ltd. is a big name in circles of private sector general insurance companies. Sundaram Finance is reckoned as one of the giants amongst non-banking financial institutions. The company was the first to kick-start general insurance in India. Achieving a license to operate by the IRDA in October 2000, it has been one of the most appreciated non-banking financial institutions in the country and by the Indian Shareholders.

    The company has been pretty prominent in the market offering best-in-class, innovative solutions for general insurance. There’s a diverse range of products bought on boards by Royal Sundaram. These include car insurance policies, bike insurance policies, health insurance policies, home insurance policies, travel insurance policies, personal accident insurance policies, etc.

    Currently, Royal Sundaram is spread across 156+ branches in the country with over 2,000 employees. All its car insurance as well as other insurance products are distributed through channels online and offline like agents, affinity partners, brokers and others.

    Royal Sundaram Car Insurance

    Royal Sundaram offers specifically designed car insurance products for its policyholders. The car insurance plans provided by the insurer include third-party car insurance policies, standalone own-damage car insurance policies, as well as comprehensive car insurance policies. These car insurance plans offer overall protection to cars where the third party car insurance cover compensates the financial liabilities which you may incur towards a third party while a comprehensive package policy covers the loss or damage sustained by your own car. Besides, it also provides a personal accident cover to secure unnamed passengers and paid drivers for up to Rs. 2 lakhs per person.

    Car insurance policies offered by the insurance company come with a wide range of features, which include 4,600+ cashless garages, free roadside assistance, fast claim settlement, and a host of discount offers for being a member of Automobile Association of India, and so on. The insured person can purchase several add-on covers as well voluntarily along with a standalone own-damage car insurance policy as well as comprehensive car insurance policy from the insurance company to enhance their coverage. Royal Sundaram General Insurance offers some unique add-on covers at minimum additional premium which includes key replacement cover, NCB protector cover, tyre cover, enhanced PA cover, spare car clause, and so on.

    Significant Points of Royal Sundaram Car Insurance



    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 2 Lakh

    Add-on Covers

    13 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    Have you made a claim in the previous year?

    Benefits of Royal Sundaram Car Insurance

    • A wide network of 3,300+ garages
    • 24x7 emergency assistance is provided
    • Offers unlimited claims to its customers
    • Easy and quick claim settlement process
    • Digitally enabled processes with m-Chatra App

    Royal Sundaram Car Insurance Add-Ons

    • NCB Protector

      If you are a car owner who has successfully managed to rack up a good percentage of No Claim Bonus, having an NCB Protector is a smart choice. You can enjoy discounts anywhere from 20% to 50%, based on your claim history. To top it off, if you have made upto 2 claims in a given policy year, your accumulated NCB remains the same.

    • Depreciation Waiver Add-On

      In case of partial loss or claim, this add-on provide great benefit. Metal parts and plastic parts of a vehicle are waived from depreciation. Still not clear? Well, when you register a claim, the entire amount will be paid out without deducting any depreciation on metal and plastic parts.

    • Full Invoice Cover

      This is your golden chance to get your car insured upto 100% of the list price. Circumstances like total loss or theft could cause severe loss. This add-on guarantees that complete reimbursement will be handed out by the insurance company on the invoice amount of the car.

    • Voluntary Deductible Cover

      In times of claim, if you voluntarily agree to bear a portion of the claim, the insurance company pays for damages that crosses the limit of voluntary deductible. The add-on is a great way to save big money on your car insurance premium.

    • Key Protector Cover

      This is an additional rider that ensure if keys to your car are lost, damaged or misplaced, Royal Sundaram will cover the expenses for repair or replacement of keys. The expenses include labor costs too.

    Royal Sundaram Car Insurance Claim Process

    It's 8 step simple process,Hassle FREE
    • 1

      Inform Royal Sundaram In A Go

      Intimate your insurance company by calling in their toll-free number 1860-425-0000. Register your claim. Visit the workshop and inform the insurance company
    • 2

      Reach The Workshop

      to fast-track your claim, drive your car to the nearest garage or get your vehicle towed
    • 3

      A Survey Is Arranged

      Post communication to the insurance company, a surveyor is fixed upon within 24-48 hours
    • 4

      Keep All Documents In Hand

      Insurance company gives a green signal only after receiving the essential documents. Please submit RC, DL, Claim Intimation Form, Policy Copy, Aadhar Card, Repair Estimate and others
    • 5

      Survey Is Completed

      Detailed survey is carried out by the surveyor and is completed in 24-48 working hours
    • 6

      Surveyor Calls The Shot

      A thorough survey is performed. The survey is then approved or rejected. Repair-works commence only after approval is achieved
    • 7

      Delivery Order Is Issued

      After the repairs are done, a final survey is completed. Post this, a deliver order is issued
    • 8

      Non Cashless Claims – The Way In

      When a claim is non-cashless, you are expected to foot the bills of repair-works. However, your insurance company reimburses the claim amount

    Must Read Articles before buying Royal Sundaram Car Insurance

    Royal Sundaram Car Insurance User Reviews

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    What users are saying
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    • Very good experience

      Very very good... easy and well explained. All conditions are clear and well explained. Very good experience...

      Hyundai Xcent 2014-2016 aluva
      By Anil Joseph
      On: October 29, 2022
    • Purchased the plan at ease

      I bought the Royal Sundaram car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The p...

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      By Nimesh Tyagi
      On: September 9, 2022
    • Best customer service

      The customer care service of the InsuranceDekho is the best. While buying the Royal Sundaram car insurance p...

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      By Naman Singh
      On: August 29, 2022
    • Hassle-free claim settlement

      I filed a claim for my Royal Sundaram car insurance policy which I had purchased from the InsuranceDekho web...

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      By Varun Goyal
      On: August 5, 2022
    • Customer care service

      The customer care service provided by the InsuranceDekho website is impressive. I bought the Royal Sundaram ...

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      By Neeraj Kumar
      On: August 3, 2022
    • Hassle-free claim settlement

      I filed a claim for my Royal Sundaram car insurance policy which I had purchased from the InsuranceDekho web...

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      By Onkar Randhawa
      On: July 27, 2022
    • Customer care service

      The customer care service provided by the InsuranceDekho website is impressive. I bought the Royal Sundaram ...

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      By Neeraj Kumar
      On: July 13, 2022
    • Hassle-free claim settlement

      I filed a claim for my Royal Sundaram car insurance policy which I had purchased from the InsuranceDekho web...

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      By Varun Goyal
      On: July 4, 2022
    • Best customer service

      The customer care support of the InsuranceDekho website is amazing. While buying the Royal Sundaram car insu...

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      By Deep Singh
      On: July 1, 2022
    • Chat box feature

      The insuranceDekho website has a chatbox feature which is quite helpful. I recently bought a Royal Sundaram ca...

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      By Ritik Singh
      On: June 29, 2022

    Royal Sundaram Car Insurance FAQs

    • I have heard about Royal Sundaram’s car shield insurance policy. What are the coverages the plan offer?

      Car shield is one of the most famous plans introduced by Royal Sundaram. It ensure absolute coverage to a car during accidents and pays for the damages too. Here’s how it comes handy:

      • Compensates for death, damage or bodily injury
      • Ensure third party coverage of up to 7.5 lacs
      • Coverage is extended for car and car parts. Accident cover can be opted as well for co-passengers upto 2 lacs
      • Overwhelming choice of add-ons are provided. No Claim Bonus, Depreciation waiver on spare parts, 100% invoice cover and so on so forth for instance
    • Does the car shield plan cover LPG/CNG kits?

      For private cars, Royal Sundaram does provide coverage for LPG and CNG kits.

    • I am interested in learning more about discounts offered by Royal Sundaram. Are there any?

      Totally, Royal Sundaram bring plenty of benefits and discounts on board. If you are a member of the Automobile Association, you are certainly entitled to a discount. Added discounts are also provided on vintage cars.

    • Why should I insure my car with a Royal Sundaram motor policy?

      The answer is why not? Royal Sundaram is definitely a top-league brand you can bank upon. It offers 24x7 cashless claim facility, break-in insurance, innumerable add-ons, roadside assistance, quick approvals on claims and other perks.

    • If I book my policy with Royal Sundaram but due to an unforseen circumstance I wish to discontinue with a claim I have registered. Can I Cancel my car insurance claim?

      Yes, it is easier than you think. To can a claim request, just write a request to the insurance company and submit it. Your claim will be cancelled in no time.

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    Royal Sundaram Car Insurance Contact Details

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    Royal Sundaram Car Insurance Policy Wording

    • 94.7 kB
    • PDF Document
    • April 3, 2019

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.