Royal Sundaram Car Insurance


In the lives of middle-class people, the most important and beautiful priced possession is their own vehicles and the more important the thing is, the more important it becomes to show it proper affection and care. Here comes into the light the car insurance plans and providers which help you protect your car and the driver which sudden and unwanted and unexpected situations in life. One of the leading Car Insurance providers is Royal Sundaram Car Insurance. It is a joint venture of Sundaram Finance Limited. It is the first-ever insurance provider that has offered In-house Motor Assessors. They offer plans to be a helping hand in saving your vehicle being pocket friendly and with an efficient team and network across the globe.  

List of best Car Insurance Products from Royal Sundaram Car Insurance

Third-Party Car Insurance Policy 

As per the guidelines of the Motor Vehicle Act, 1988 it is mandatory and necessary to get your car insured under third-party insurance coverage and so every insurance provider has the best third-party insurance plan.  

Third-Party Car Insurance Plan usually covers all the damages that are caused to the third party or any other car because of you and your car. It eases your tension first of all and it shares your burden in terms of expenses and in case of any sort of loss or damage caused to your vehicle or the other vehicle is handled by the insurance provider.  

Comprehensive Motor Insurance Policy

This plan or the policy is like experiencing snowfall in the mountains at the time you are there to roam. Why? Simply because it offers so much, that your hands will not be enough to collect all in a single go. This plan not only entitles you to claim the amount or claim for compensation for your own insured car or vehicle but it also lets you enjoy the benefits of the third party car insurance policy. It covers your vehicle from all sorts of sudden accidents or any natural calamity, fire or even theft. Here you also get various add on features which is the best one could ever wish for.  

Royal Sundaram Car Insurance-Reviews

  • It has an easy claim settlement process.  

  • It has very well detailed and informative website that offers ample amount of information regarding network garages and more.  

  • It is very easy breezy to buy any insurance policy of your choice in three quick steps.  

  • The chat box in the website is best and most helpful.  

  • The team is really efficient and always standing behind you 24/7 for your assistance.  

  • Their plans are very low budgeted that is very pocket friendly and they have multiple payment options.  

  • Not only this, they have best and easy renewal process.  

  • They offer you multiple add on features to help you and your cars feel more loved and secured.  

  • They have no hidden charges. They are like an open book for their customers.  

  • They are one of the most top rated insurance providers.  

  • They have a their platform, a realistic and reliable one.  

Exclusions of Royal Sundaram Car Insurance

The claim is not valid: 

  • If there is normal wear and tear or simply Electrical or Mechanical breakdown.  

  • If only the tyres are damaged and not your car.  

  • If the driver is not carrying his driving licence.  

  • If the driver has taken any sort of drugs, liquor or any other intoxicated stuff.  

  • If the vehicle is used for any illegal work.  

  • If the accident has occured in the areas which is out of the mentioned geographical areas.  

  • If the damage is due to any war or fire.  

  • If you’ve used your car or vehicle for racing or speed testing.  

Royal Sundaram Car Insurance- Customer Care Numbers / Contact details

  Here are the toll-free numbers:- 18602580000 | 18604250000 

You can also mail them your queries at [email protected] 

Documents Required For Royal Sundaram Car Insurance

  • Duly filled and signed claim papers.  

  • Self attested copies of registration certificate of the car.  

  • Copy of driving licence.  

  • In case of an accident, copy of FIR.  

    RC Book Copy.  

Royal Sundaram Car Insurance: Some important Terms

In case you are changing the owner of the car, it becomes mandatory to apply for the renewal of the plan within 14 days along with the required documents and you need to pay your premium with some additional amendment fees to continue your plan.  

For any expenses related to the change or repair of the spare part of the car, the depreciation charges will be deducted.  

IDV that is Insured Declared Value, can be taken at the time of change in the name of the policyholder, change in address, or in the contact details of the policyholder.  

Benefits and features of Royal Sundaram Car Insurance Plans

  • They have an extremely very functional bunch of people, who are always holding your back in your bad times.  

  • Your vehicle is a machine and it is obvious that it will not give you any notice before going into malfunctioning mode and so the team of Royal Sundaram Car Insurance Provider is at your service to help your car to reach to the nearest network garage for repair.  

  • They fills your hand with bags full of discounts.  

  • In case your car has experienced any accident, not to worry, your car will get all the claims and settlement amount for repair.  

  • As the team is very efficient, they tend to keep all the records and they help you with your insurance renewal process and also in claim settlement process.  

  • Not only this, the picture has not ended yet, they provide with add on features to make your car feel more secure.  

  • It not only makes your car feel safe and insured but it makes your driver, you and any other person present in the car the at the time of accident, as they help everyone with the claim and hospitalization as well. 

Why to Choose Royal Sundaram Car Insurance Plans? 

Now, after all this discussion and analysis, this is a self-explanatory question. Isn’t it? Okay, if not or I’ll say you are still not convinced to go with the Royal Sundaram Car Insurance Plans, then this section is for you especially, so here’s why one should choose Royal Sundaram Car Insurance Plans:- 

  • The plans are well designed in a pocket-friendly manner.  

  • Choices in plans are also available.  

  • The back-end and the customer service area is very supportive and friendly.  

  • Along with the plans, they offer add on benefits and services.  

  • Each and every process, be it, renewal or claim settlement is very easy and is done with proper care and assistance.  

  • Along with the car, their plans and policies also cover the driver and any other person sitting in the car at the time of accident.  

  • It make larger than life network garages available to you 24/7.  

Royal Sundaram Car Insurance Provider is willing and promising to provide you with

Car Insurance With Engine Protection – It is very useful to add on feature, to be honest. We all know that car is human-made machinery that is made for our convenience and ease. Now, when we humans fall sick at times, similarly cars do fall ill and their protection is our responsibility, and so this add-on feature comes in the light which safeguards your engine and provides you with help or assistance at the time of any emergency.  

Consumables Cover – At the time of repair, your car needs things like nuts, screws, bolts, pipes, and more which are usually not covered under any plan or policy but it is here covered and given to you as an add-on feature.  

Key Protection Cover – We are humans and at times we tend to lose or damage our belongings unknowingly and at times we become a victim of theft by the goons or robbers. During these times, this add-on feature comes to your rescue to help with the repair of your car keys and even getting a new one too.  

The No Claim Bonus – This feature totally depends on us. It is the return gift of the insurance provider to the policyholder when he or she has not claimed any amount during the policy period. It is in simpler words the discount offered to you on your regular premium cycle.  

Personal Accident Cover – This add on is for your safety. The owner of the car and the policy live on the highest risk while driving and in case of accident or injury or damage caused to the owner while driving gets a compensation amount.  

RTI – RTI that is Return To Invoice is mandatory to make your car more and more protected, simply because the car itself is a risk when on the road and what the future holds for us is a mystery and therefore it is important to have RTI so that at times of theft or fire, your car pays off well.  

Roadside Assistance – The Royal Sundaram Car Insurance Policy provides you with 24/7 roadside assistance, providing the garage team with the fuel, they are standing by your side a pillar.  

Zero Depreciation Car Insurance – At the time of any accident or emergency, with this add-on feature, one can easily avail and claim the whole of the amount of the car and not after deducting the cost and parts of repair.  

Cover for Accessories – This comes to the limelight when your car experiences an accident or theft in which its accessories get damaged. With this add-on feature, you will get the claim amount on not only your damaged car but also the accessories that are damaged or stolen.  

Royal Sundaram Car Insurance Provider offers you a wide range of discounts which is mentioned below: 

  • You will get a discount of 5% if you are a member of the Automobile Association of India.  
  • You will get a discount on RS. 100 in the third-party insurance premium.  

If you will opt for the Voluntary Deductible of RS. 15,000, then you will be eligible for the discount of 35% on Own Damage Car Insurance Premium. 

Here are the steps which will make your claim settlement process extremely easy and quick: 

Step 1:- Firstly, you need to fill the claim settlement form, either online or by visiting the office.   

Step 2:- Then submit the properly filled form along with the policy certificate.  

Step 3:- Submit the copies of documents like, driving licence, RC.  

Step 4:- In case of any accident or theft, submit the copy of FIR.  

Step 5:- Before sending your car for the repair, let the insurer survey the damage.  

Step 6:- After this, the company will verify your bills and you will get the reimbursement.  

Royal Sundaram Car Insurance – FAQ

Q1. What documents are required to renew Royal Sundaram car insurance online? 

Ans: As such there in no paperwork or documents needed to renew your previous plan, all you need to do is to give your policy number and the expiry date.  

Q2. My Royal Sundaram car insurance premium depends on what factors? 

Ans: There are a lot of factors on which your premium depends, the major one’s are:- 

a) City of your vehicle registration 

b) Insured Declared Value 

c) Your Engine’s Cubic Capacity 

d) Anti- Theft Accessories or Devices
e) No Claim Bonus 

f) Age of the owner and more.   

Q3. How do I contact Royal Sundaram? 

Ans: You can contact and connect to the team through their toll-free numbers:- 18602580000, 18604250000 And you can also mail them on: [email protected] 

Q4. I plan to add CNG/LPC kit in my car. Will it be covered by Royal Sundaram Car Insurance? 

Ans: Yes, Royal Sundaram Car Insurance Policy Provider, covers CNG/LPG kits for private cars.  

Q5. Why should I buy Royal Sundaram comprehensive car insurance when the lay mandates third-party insurance? 

Ans: It is very easy and simple. Third-Party Car Insurance Policy Plan only covers the third party damages but opting for the comprehensive coverage, you along with your car will be insured and that’s not it, you will also get many more add-on features and benefits.