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Royal Sundaram Standalone Own-Damage Car Insurance Policy

Royal Sundaram General Insurance offers standalone own-damage car insurance. This cover will provide the policyholder with compensation for own-damage costs in the event of a mishap. Moreover, the cover will provide this compensation in several situations including cases of theft, road accidents, vandalism, in cases of fire or explosions, natural and manmade calamities. Purchasing an own-damage cover is not obligatory like third party insurance. However, it is advisable to also purchase this cover as it provides better protection for your car.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

Royal Sundaram

Third Party Insurance

Royal Sundaram Standalone Own-Damage

Royal Sundaram

Comprehensive Insurance

Coverage

Third party insurance is the most basic insurance coverage. It takes care of only third party liabilities including bodily injury, death and property damage.

Own-damage covers provide compensation for only own-damage costs in case of a mishap. In addition, this protection is provided for a wide variety of scenarios such as fires and road accidents, etc.

Comprehensive plans provide holistic protection for the car. They offer compensation for both third party liabilities and own-damage costs under a single premium. Moreover, since this is offered under a single premium it is a hassle-free option for customers.

Add-ons

Add-on covers are not offered with third party car insurance covers.

Add-on covers are offered with standalone own-damage covers.

Add-on covers are offered with comprehensive insurance plans.

Cost

Third party insurance is the most basic type of car insurance and hence is also the least costly insurance available.

Standalone own-damage insurance offers more coverage than third party insurance and hence is comparatively costlier than it.

Comprehensive Insurance plans offer the widest coverage and hence are also the most expensive insurance available. However, the cost accommodates both third party liabilities and own-damage costs.

What is Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance offers compensation for the following situations:

  • Road accidents that cause damage to the car.
  • Explosions or fires that damage the car.
  • Total loss or theft of the car.
  • Damage caused due to natural or manmade calamities such as floods.


What is Not Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance does not offer compensation for the following situations:

  • If the car breaks down due to an electrical or mechanical breakdown.
  • If there is any mishap that involved illegal driving in any way.
  • The depreciation rate of the car due to the natural wear and tear of the vehicle.
  • Any mishap that occurs outside the territorial limit of India.

Benefits of Royal Sundaram Standalone Own-Damage Policy

Following are the benefits of purchasing a standalone own-damage cover from Royal Sundaram:

  • It offers a layer of protection for the car and financial stability in times of crisis for the policyholder in a variety of situations.
  • The policyholder is eligible for a No Claim Bonus for every claim-free year. Moreover, the reward is cumulative reaching 50% in the fifth consecutive year.
  • The insurance holder can also purchase add-on covers to further strengthen the standard car insurance policy.

How To Purchase Royal Sundaram Standalone Own-Damage Policy?

The below-mentioned steps will guide you in purchasing a standalone own-damage cover from Royal Sundaram:

Step 1: Visit the website InsuranceDekho and select the tab on the left top corner titled ‘car insurance’. A drop-down menu will appear, select ‘Standalone Own Damage’ from the options.

Step 2: In the given section provide your car’s registration number. If for some reason you do not have this information with you, enter your car’s make, model and year of registration instead.

Step 3: Provide your personal information, i.e., your name and mobile number and select the “Submit and Get Quotes’ button.

Step 4: All the standalone own-damage insurance quotes in your category will be visible on the screen. Select the one offered by Royal Sundaram General Insurance and select any add-ons of your choice.

Step 5: Make the payment for your chosen Royal Sundaram standalone own-damage insurance policy and the policy document will be sent to your registered email ID.

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 Own Damage FAQs

  • What is Royal Sundaram Own Damage Insurance Plan?

    Royal Sundaram own damage insurance is a type of motor insurance plan offered to the policyholders in order to help them in protecting their own car from the damage or loss incurred because of theft, accident, or any mishap, etc. The cost incurred for repair of damages to the insured vehicle is given to the policyholder by Royal Sundaram general insurance company.

  • Is it necessary to purchase an own damage insurance plan for my car?

    No, it is not necessary to buy an own damage insurance plan for your car. However, as per the Indian Motor Tariff Act, a standard third party liability insurance plan for your car is compulsory in order to ply on the public roads in India without attracting any fines or penalty upon getting caught during checking by the traffic police.

  • How does premium calculation for my Royal Sundaram own damage insurance plan takes place?

    The premium calculation for your Royal Sundaram own damage insurance plan is dependent upon various factors like geographical zone, make of the car, type of vehicle, model of the car, insured declared value of the car, Cubic capacity of your car’s engine, etc.

  • How can I reduce the premium of my Royal Sundaram own damage insurance plan?

    You can reduce the premium of your Royal Sundaram own damage insurance plan by doing the following:

    • Increase the amount of voluntary deductibles to reduce the amount of your own-damage premium.
    • Ensure that you have transferred your No Claim Bonus to your existing insurance plan.
    • Make sure that you declare the correct Insured Declared Value of your car.
  • What is an Own damage premium?

    The cost that the policyholder is supposed to pay in order to get an own damage insurance is known as own damage premium. The price paid for premium is generally calculated depending upon the vehicle type, its age, engine cc, and the area in which you are using it.

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