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*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

Royal Sundaram Car Insurance

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Highlights
  • 3300+ Avail prompt services at authorized cashless garages
  • 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. 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.

Royal Sundaram offers specifically designed car insurance products for all. These include third-party car insurance policies, standalone own-damage car insurance policies, as well as comprehensive car insurance policies. Car insurance policies offered by the insurer come with a wide range of features. These include 4,600+ cashless garages, free roadside assistance, and several add-on covers. The insured can purchase these add-on cover(s) voluntarily along with a standalone own-damage car insurance policy as well as comprehensive car insurance policy.

Currently, Royal Sundaram is spread across 140 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.

What is your car's brand?

When did you buy your car?
20042019
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

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

Royal Sundaram Car Insurance User Reviews

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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

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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.