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How to Buy a Car Insurance Policy from Royal Sundaram?

By Juhi Walia
26 October 2022, 1:51 PM

Royal Sundaram Insurance Company offers many insurance policies, including: 

With over 4 million customers, Royal Sundaram distributes its products through insurance agents.

Royal Sundaram provides comprehensive car insurance to protect against car damages due to: 

  • Theft
  • Vandalism
  • Natural calamity, etc.

Comprehensive car insurance also offers 3rd party liability to cover the damages for the third party or property. 

Royal Sundaram has tie-ups with more than 4600 garages across the country, and they are the first company to provide the cashless claim feature to help their customers in emergencies. 

Buying Royal Sundaram car insurance policy is easier than ever. Read this article to learn how to apply for Royal Sundaram motor vehicle insurance and make your life easier.

Royal Sundaram Car Insurance and its Types

Royal Sundaram provides the following types of insurance policies:

1. Car Shield Private Car Package Policy

Under the car shield package policy, the insurance company will cover the insured car damages due to:

  • Road accidents
  • Vandalism
  • Riots
  • Natural calamities
  • Theft

The company will compensate for all damages and losses mentioned in the list of inclusions above. 

This package also covers third liabilities in case the car accident causes damage to a third party or its property. This policy cover is the most popular and efficient as it also covers the third-party liabilities other than the damages caused to the insured car.

2. Private Car Liability Only Policy

Under this policy, Royal Sundaram will compensate on behalf of the policyholder if an accident has caused third-party liabilities such as damages, death, or injury to individuals other than the insured car owner. 

In cases of accidental death of a third party, the policyholder is eligible for 100% cover, whereas, in case of property damage, the insurance company will pay up to INR 7.5 lakh.

3. Standalone Motor Own Damage Policy

The motor's own damage offers coverage for the damages caused to the car due to theft, ignition, accident, etc. Under standalone own damage car insurance policy, the insurance company will cover the damages to the vehicle due to human-made and natural disasters.

How to Apply for a Royal Sundaram Four-wheeler Insurance Policy?

Purchasing a Royal Sundaram vehicular insurance policy is now made easier with Paytm Insurance Broking. The following steps will guide you on how you can buy the auto insurance policy through Paytm Insurance:

  1. Visit Paytm insurance's official website
  2. Click on "car insurance"
  3. Choose your insurance type
  4. Choose Royal Sundaram General Insurance Company
  5. Enter the needed details
  6. Pay the premium
  7. Collect your policy details via email
  8. After the payment, the insurance policy will be processed

Paytm Insurance simplifies the insurance policy buying process. However, you can purchase four-wheeler insurance from Royal Sundaram's official website too. Follow the steps given below:

  1. Visit Royal Sundaram General Insurance Company's official website
  2. Choose insurance for a new car under the car insurance section
  3. Fill in the required details such as the mobile number, name, manufacturing year, etc.
  4. Choose the appropriate auto insurance policy.
  5. Generate the premium amount by clicking on "get quote".
  6. Pay the premium.
  7. After payment verification, the company will send the documents to your email.

Buying insurance policy offline:

  1. To buy a Royal Sundaram car insurance policy, you may visit the insurer's office or branch or contact partner brokers, agents, etc.
  2. Visit the office, and the representative will guide you through the application process.

Benefits of Royal Sundaram Auto Insurance

  • Towing Services: If spot repairs are insufficient, Royal Sundaram can offer towing services thanks to its extensive network in the top garages. However, you may have to purchase an add-on to activate this feature.
  • Customer Service: The company boasts of trained professionals who help their customers and provide them with good pre and post-sale services.
  • Accidental Cover: If the policyholder encounters a car accident, the insurance company deploys a dedicated agent to assist the policyholder.
  • Cashless Claim: With more than 4600 network garages, the company offers the best cashless claim settlement that is quick and hassle-free.
  • Add-ons: Royal Sundaram Insurance Company provides efficient car insurance add-ons. Personal accident add-ons, 3rd party car insurance cover, and depreciation cover are some of the add-ons you can get.

Exclusions Under Royal Sundaram Vehicular Insurance Policy

Standard exclusions are the instances that are not covered under auto insurance policies. Royal Sundaram car insurance policy does not provide compensation if you fall in the following category:

  • Driving while intoxicated
  • Driving without a driver's licence
  • Driving outside the geographical location of India
  • Normal wear and tear
  • Losses due to mutiny or war
  • Utilising the car against its usage limitation
  • Mechanical car breakdown

In Review

With a solid, faithful customer base with branches across the nation, Royal Sundaram is India's one of the best insurance companies. It offers attractive premium rates along with countrywide network garage facility. If you face any issues, you can contact its 24*7 customer support.

Buying Royal Sundaram auto insurance via Paytm Insurance provides you with a seamless application process. You can also compare car insurance policies to buy the best and top-rated ones through Paytm insurance.

Read more -


1. How can I get Royal Sundaram vehicular insurance policy documents?

Policyholders must contact the team via phone, live chat, or email and ask for a policy document copy. The customer service officer will send the document to the registered email.

2. What documents are needed to renew the Royal Sundaram four-wheeler insurance policy?

Thanks to the zero paperwork, you can easily opt for vehicular insurance policy renewal online. To renew Royal Sundaram car insurance, provide your policy number along with the policy's expiry date.

3. What factors affect Royal Sundaram's insurance premium?

The primary factors that affect the premium of the Royal Sundaram auto insurance are your vehicle's:

  • IDV
  • Cubic capacity
  • Age
  • Geographical zone

4. How long does it take to process Royal Sundaram auto insurance claims?

The claim settlement process at Royal Sundaram is seamless and quick. The claim settlement is done as soon as possible once all the documents are provided.

5. What add-ons does Royal Sundaram offer?

Some of the best car insurance add-ons you can buy from Royal Sundaram are:

  • NCB protector
  • Depreciation waiver cover
  • Spare car clause
  • Key replacement cover
  • Aggravation cover clause
  • Enhanced PA cover
  • Vehicle replacement value plus cover
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