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Royal Sundaram Car Insurance Add on Covers

Royal Sundaram General Insurance holds a wide range of unique add-on covers that it offers to enhance the coverage given under the Car Shield Package Policy and Standalone Own Damage Policy.

​Royal Sundaram - 13 Important Add-on Covers For Your Car Insurance Policy

You can enjoy these special add-ons by paying an additional premium. However, the insurer offers road-side assistance service free of charge.

1. Depreciation Waiver Cover

With this add-on cover, you can get a depreciation waiver on plastic and metal parts of your car in case of partial damage or loss excluding tyres, tubes and batteries, on which only 50% depreciation is exempted. This cover is available only for the cars up to 5 years of age.

2. Windshield Glass Cover

If your car’s windscreen glass breaks accidentally and requires to be repaired or replaced, then with this add-on cover you can get it done without affecting your No Claim Bonus status. This cover is available for cars aged up to 3 years.

3. Full Invoice Price Insurance Cover

This is an add-on cover which offers compensation for the amount of difference between the invoice value and Insured Declared Value (IDV) of your car. With this add-on cover, you can get the coverage for your total loss incurred. It includes the on-road price including registration charges or road-tax which was paid by you while buying the car if it goes stolen or sustained a total loss due to a mishap or an accident.

4. Loss of Baggage Cover

The Loss of Baggage add-on cover provides compensation for the loss or damages incurred to your baggage kept in your car due to theft or an accident. The baggage may comprise your personal belongings such as clothes, shoes, belt, toiletries, etc., which may be carried by you in the insured car during a car journey anywhere in the country.

5. Spare Car Clause

This add-on offers you a daily cash allowance to compensate for your travel allowance, during the period when your car is being repaired at the network garage of the insurance provider. It gives you a fixed amount for your transport if your car needs to stay at the garage for more than 1 day. It is applicable for cars aged up to 3 years.

6. Aggravation (Damage) Cover Clause

This Aggravation (Damage) Cover Clause is also known as Engine Protector Cover, which is meant to care for the engine of your car. With this cover, the insurer will compensate for the cost of repair or replacement of engine parts, gearbox parts, differential or transmission parts, and the parts of power steering pump caused due to leakage of lubricating oil or coolant or water ingression. This benefit is available for cars aged up to 3 years.

7. NCB Protector Cover

The No Claim Bonus (NCB) is a reward that is offered as a discount for making no claim in a policy term. With every claim-free year, this discount accumulates from a range of 20% to 50%, but one single claim can make it null and void. Hence, NCB protector cover add-on shields your NCB discount, even after making a claim. However, only 2 claims are allowed under this add-on.

8. Key Replacement Cover

This add-on cover is designed to offer compensation against the expenses incurred in repairing or replacement of keys of your car.

9. Tyre Cover

The Tyre Cover is an add-on which compensates the cost of repair and replacement due to accidental damage or loss sustained by tyres and tubes only that results in tyre burst, puncture, flattening of the tyre, and so on. This add-on cover is applicable only for tyres that are fitted in the car.

10. Lifetime Road-Tax Clause

With this add-on cover, the tax is to be included in the car insurance plan and you become eligible to get the unexpired part of Road Tax in addition to the amount that the insurer pays you for your car’s loss if your car is stolen or lost. This cover is available for cars aged up to 3 years.

11. Electrical or Electronic Fittings Cover

This add-on offers coverage for the cost of repair of electrical or electronic accessories in your car such as fog lights, air-conditioner, brake light, and music system.

12. Non-Electrical Fittings Cover

This add-on cover provides compensation for the cost incurred on the repair of non-electrical fittings of your car like alloy wheels, interior fittings, seat covers, etc.

13. CNG Kit and Bi-Fuel System Cover

This is an add-on which covers the repair amount of CNG Kit and Bi-Fuel System of your car after an accident or a mishap.

Must Read Articles before buying Royal Sundaram Car Insurance

Royal Sundaram Car Insurance User Reviews

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    While Buying Royal Sundaram’s car insurance, I had an amazing experience. Insurancedekho provides exceptional customer service, competitive pricing and comprehensive coverage options

    J
    By Jatin Nagpal
    On: March 2, 2024
  • Tailored to Your Unique Needs

    What sets InsuranceDekho apart is its ability to tailor comprehensive coverage to individual needs. They work with me to determine the right level of protection for my Hyundai car, providing a personalized service. I am very happy with the Royal Sundaram Car Insurance Policy.

    B
    By Badal Shaikh
    On: November 3, 2023
  • Timely Repairs, Timely Return

    Repairs at cashless garages through InsuranceDekho are done promptly, ensuring that I get my Kia car back as quickly as possible. I am so happy to have secured the Royal Sundaram Car Insurance Policy on time.

    R
    By Ruhan Patel
    On: October 17, 2023
  • User-Friendly Website for Thir...

    The InsuranceDekho website and mobile app are both intuitive and easy to use. Whether you're comparing policies, getting quotes, or renewing your insurance, their online platform simplifies the process. I was easily able to secure the Royal Sundaram Car Insurance Policy for my Honda car.

    By Farida Banu
    On: September 29, 2023
  • Effortless Policy Purchase

    Purchasing InsuranceDekho's own damage coverage with the Royal Sundaram Car Insurance Policy for my MG car is was effortless. Their user-friendly online platform made it quick and convenient.

    A
    By Anita Gurung
    On: September 14, 2023
  • Quick and Convenient Quote Gen...

    Getting insurance quotes with InsuranceDekho's premium calculator was quick and convenient. It was a time-saver for me while looking for the Royal Sundaram Car Insurance Policy for my Renault car.

    P
    By Prashant Rout
    On: September 12, 2023
  • Best Decision I Made for My Ca...

    Opting for InsuranceDekho's zero depreciation policy was the best decision I made for my Mitsubishi car. The Royal Sundaram Car Insurance Policy saved me from unexpected expenses during a recent accident.

    H
    By Harman Chahal
    On: September 8, 2023
  • Trustworthy Repairs

    While buying the Royal Sundaram Car Insurance Policy for my BMW, one of the important factors I was looking into was complete trust. Trust is essential when it comes to car repairs. InsuranceDekho's Cashless Garages have consistently provided trustworthy repairs and ensured the safety of my vehicle.

    By Pankaj Kapoor
    On: September 6, 2023
  • All-Round Protection

    I recently bought the Royal Sundaram Car Insurance Policy with Comprehensive Coverage for my Maruti car, I feel like I have all-round protection for my car. Whether it's a minor fender bender or a major accident, InsuranceDekho has me covered.

    P
    By Purnima Bakshi
    On: September 4, 2023
  • Smooth and Transparent Claim P...

    I appreciate how InsuranceDekho's claim process for the Royal Sundaram Car Insurance Policy for my Maruti car is smooth and transparent. From filing the claim to receiving the settlement, everything is clear and well-organized.

    M
    By Mihika Pathak
    On: August 29, 2023

Royal Sundaram Car Insurance Add-On Cover FAQs

  • Which add-on covers are available with Royal Sundaram car insurance plans?

    The Royal Sundaram provides a range of car insurance add-on cover such as Depreciation Waiver Cover, Windshield Glass Cover, Full Invoice Price Insurance Cover, Loss of Baggage Cover, NCB Protector Cover, Key Replacement Cover, Tyre Cover and so on.

  • Is it mandatory to include an add-on cover in the car insurance plan?

    No, to add an add-on cover in your car insurance plan is not a compulsion, but, an optional benefit that can be availed to expand the coverage of your insurance policy.

  • How much money should I pay to add the add-on cover in my insurance plans?

    You can find different add-on plans at different prices. However, you are required to pay for the add-on covers as per their costs specified in the policy document or online purchase portal of the insurance company.

  • When can I purchase the Royal Sundaram car insurance add-on covers?

    You can purchase the car insurance add-on covers either at the time of car insurance policy purchase or during the car insurance policy renewal procedure.

  • How many add-on covers can I add in my car insurance plan at a time?

    There is no limit to include add-on covers in your car insurance plan and you can add any number of add-on covers to the insurance cover at a time.

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