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Royal Sundaram Car Insurance Add-On Covers

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

    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.

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    20062019
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    • 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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      On: August 29, 2022
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      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
    • Purchased the plan at ease

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

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      By Rahul Kumar
      On: June 27, 2022

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