Royal Sundaram Car Insurance

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  • 3300+ Avail prompt services at authorized cashless garages
    Check in your City
  • 4 working hours Claim Survey is done
  • 94.5% Recorded claim settlement ratio
  • Round the clock assistance and emergency services provided

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. Royal and Sun Alliance Insurance Plc is better known as one of the veterans in general insurance in the United Kingdom. Little did you know that 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 brought on boards by Royal Sundaram. Before digging any deep, it is worth learning that the company has products for individuals as well as commercial clients. From travel, motor, health, personal accident and home to exclusively designed insurance products for commercial customers like marine, fire, liability, engineering and others. Rural customers have insurance products to pick from. Royal Sundaram offer specifically designed products for small-cap and mid-cap companies. However, are you aware of the most impressive feature to brag about? Well, the company is a pioneer in bancassurance in India. It establishes collaborations with renowned banks and NBFC’S for long duration.

Let’s discuss some numbers now. In July, 2015, Sundaram Finance racked up 26% equity holding from Royal and SunAlliance Insurance Plc. However, according to the current records, entire 100% equity holding is now controlled by Sundaram Finance. Precisely, the company owns majority of the stakes (75.90%) while the remaining 24.10% are held by other Indian shareholders. Currently, Royal Sundaram is spread across 140 branches in the country with over 2000 employees. All its products are distributed through channels online and offline like agents, affinity partners, brokers and others.

Which car do you drive?

When did you buy your car?
Have you made a claim in the previous year?

Benefits of Royal Sundaram Car Insurance

  • Avail the best of coverage by topping up your basic comprehensive policy with a zero depreciation cover
  • An expansive list of 3300+ cashless workshops
  • Too many lucrative add-on options to choose from
  • Royal Sundaram is a famous and noteworthy company. Trust and credibility of the brand is matchless
  • Stuck on the road? No worries! Royal Sundaram guarantees quick roadside assistance

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

  • 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

Royal Sundaram Car Insurance User Reviews

132 reviews Write a Review
  • Great support from the team

    I wanted to purchase a good policy for my Maruti Suzuki Baleno car and asked for support from the team at InsuranceDekho. The team suggested to me Roy...

    Read More
    V K Jain
    On: July 13, 2020 | Views
  • Smooth buying process at InsuranceDekho

    Few months ago, I bought a new Tata Motors NEXON car and was looking for a car insurance policy for it. I contacted InsuranceDekho’s team and they sug...

    Read More
    Abir Rajvansh
    On: July 9, 2020 | Views
  • Easy to purchase car insurance

    Buying Royal Sundaram car insurance policy was very easy from InsuranceDekho. I bought the policy for my Hyundai Creta car a few days back and found t...

    Read More
    Shubhashish Banerjee
    On: July 8, 2020 | Views
  • Easy to purchase car insurance

    Buying Royal Sundaram car insurance policy was very easy from InsuranceDekho. I bought the policy for my Hyundai Creta car a few days back and found t...

    Read More
    Shubhashish Banerjee
    On: July 8, 2020 | Views
  • Affordable policy

    I bought a Ford Eco Sport car last month and purchased a Royal Sundaram car insurance policy from InsuranceDekho. My policy is very affordable and Iam...

    Read More
    Gaurav Chhabra
    On: July 8, 2020 | Views

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 upto 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

Royal Sundaram Car Insurance Contact Details

Prompt assistance is simply a call away. To know more, call us at

Royal Sundaram Car Insurance Policy Wording

  • 94.7 kB
  • PDF Document
  • April 3, 2019

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