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#KnowYourInsuranceCompany: Royal Sundaram General Insurance

Written by Sharad Bajaj
Updated On Oct 14, 20232 min read

Know everything about Royal Sundaram General Insurance in a nutshell.

Royal Sundaram General Insurance is the first private sector general insurance company of India. Licensed in 2000, the company has grown to establish a pan India presence with 143 operational branches and employing more than 2,000 employees. It provides a variety of general insurance products including car insurance policies. Royal Sundaram General Insurance is currently catering to the needs of over 4.5 million customers in the country. For the convenience of its customers, it offers cashless claim settlement services through its vast network of 4,600+ cashless garages.

Car Insurance Policies Offered By Royal Sundaram General Insurance

Royal Sundaram General Insurance offers three types of car insurance policies that cover the financial loss/liabilities of a policyholder which may arise out of a road accident or any other mishap involving his/her car. A road accident may result in damage/injury to a property/person travelling on road, damages to the insured’s car or to the policyholder. To insurance a car owner against such damages/losses, Royal Sundaram General Insurance offers the following three types of policies:

Royal Sundaram Third Party Liability Only Policy Coverage

A road mishap caused by your car can make you liable to pay for the injuries caused to a third person or his/her property. The Royal Sundaram Private Car Liability Only Policy provides you insurance for such third party car insurance liabilities.

Third Party Loss/Damage

Liability Assumed By Insurance Company

Bodily injury/loss of one limb or one eye sight


Loss of both limbs or both eye sights/ Permanent total disability/Death


Third party property damage

Up to Rs. 7.5 lakh

Extend Coverage of Royal Sundaram Private Car Liability Only Policy

A policyholder can purchase the following covers to enhance the standard coverage of the Royal Sundaram Private Car Liability Only Policy:

  • Legal liability cover for a hired driver of the insured’s car
  • Personal accident cover of up to Rs. 15 lakh for the policyholder
  • Accident cover of up to Rs. 2 lakh for the unnamed passengers of the insured’s car.

Royal Sundaram Comprehensive Policy Coverage

The Royal Sundaram Carshield Private Car Package Policy is a comprehensive plan which offers a wider coverage to car owners. The coverage provided under this policy is as follows:

  • All the third party liabilities arising out of an accident caused by the insured’s car. Liability cover is the same as that of liability only policy.
  • Damages incurred to the insured’s car in a road accident.
  • Damages incurred to the insured’s car due to fire or any natural/man-made calamity such as flood, earthquake, riots, strike, or any other mishap.
  • Theft of the insured’s car

Royal Sundaram OD Only Policy Coverage

The Royal Sundaram Stand-Alone Motor Own Damage Private Car Policy is a cover which insures the car owner only against the own damage incurred by his/her car in the following events:

  • Damages incurred in fire, explosion, self-ignition, burglary or housebreaking
  • Damages incurred due to any natural calamity such as flood, earthquake, etc.
  • Damages incurred due to any man-made calamity such as riot, strike, etc.

Royal Sundaram Car Insurance Add-on Covers

Royal Sundaram General Insurance offers a total of 11 car insurance add-ons. These optional covers can be used to extend the coverage of Royal Sundaram Carshield Private Car Package Policy as well as Stand-Alone Motor Own Damage Private Car Policy.

Depreciation Waiver Cover: Also known as zero depreciation cover, it waives off the cost of depreciation of the car, which the insurance company factors from the claim amount otherwise.

Windshield Glass Cover: This add-on cover helps you to retain your No Claim Bonus (NCB) discount in case the claim is made only for the repair/replacement of the car’s windshield.

Voluntary Deductible Cover: Claims made with voluntary deductible cover will allow you to get discount on premiums, provided that the policyholder voluntarily bears a stipulated claim amount.

Full Invoice Price Insurance Cover: You will get full invoice price as claim amount in case of total loss/constructive total loss of your car.

Loss of Baggage Cover: This add-on will allow you to get compensation for the loss of personal baggage kept in the insured’s car.

Spare Car Clause: The insurance company will pay you daily cash benefits in case the insured’s car is out for repairs.

Aggravation (Damage) Cover Clause: Commonly known as the engine cover, this add-on will allow you to get indemnification for damages incurred to the engine parts, differentials parts and gearbox due to water ingression or oil leakage.

NCB Protector: This add-on cover retains the NCB discount upon renewal of the policy even if the policyholder had filed a claim in the last policy tenure.

Key Replacement Cover: The insurance company will reimburse the cost of purchasing a new key in case the original one is damaged/lost.

Tyre Cover: This add-on cover allows you to claim compensation for damages incurred to your car’s tyres and tubes.

Lifetime RoadTax Clause: The company will pay the unexpired portion of Road Tax along with the compensation amount for the loss suffered by your car.

For further reading:

#KnowYourInsuranceCompany: ICICI Lombard General Insurance

#KnowYourInsuranceCompany: HDFC Ergo General Insurance


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Sharad Bajaj
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 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

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