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When you buy a Royal Sundaram car insurance policy, you get the right to file a claim with the insurer for any damage, loss, or accident to your insured vehicle. The amount of Royal Sundaram car insurance claim is determined by the IDV of your vehicle, the extent of damage/loss, and the type of coverage you purchased. The process of filing an automobile insurance claim settlement with Royal Sundaram car insurance is simple and quick. The company provides both cashless claim settlement at over 3,300 authorized garages/body shops.
Below is the process outlined for Royal Sundaram car insurance claim online.
You can make Royal Sundaram cashless car insurance claims only if your vehicle undergoes repair at the network garage of the car insurance company. However, the cashless claim process of Royal Sundaram is beyond that. Let’s check out the step-by-step process of Royal Sundaram car insurance claim below.
After an accident, loss, or damage to your insured car, notify Royal Sundaram right away. You can notify Royal Sundaram about the car insurance claim by dialing their claim intimation hotline at 1800 568 9999 or sending an SMS to 567675. For intimation, you can even use Royal Sundaram's m-Chatra mobile app.
In the event of significant damage or death to a third party, file a police report at the nearest police station. Keep a copy of the FIR since you'll need it when you settle your claim.
The firm will send a surveyor to evaluate the damage and complete the paperwork necessary to settle your insured vehicle's claim.
Request a towing service from your insurer to transport your automobile to a cashless workshop, or arrange one yourself. The insurer's towing service is priced according to the distance towed.
Your automobile will be fixed at the repair shop, and the car insurance company will pay to the garage directly after deducting the deductibles and depreciation (if not opted for the zero depreciation add-on cover).
If you don’t file a Royal Sundaram car insurance claim, you will be entitled to a no claim bonus (NCB) from the insurance company. The NCB works by offering you discounts on your renewal premium. For not filing a claim in the first year of the policy, you will get a 20% discount on your premium for the next year. If you continue to not file a claim for the next four years, the discount would go up to 50%. However, the discount would apply to the own damage premium component of the policy only.
Below are the documents to have when filing a Royal Sundaram car insurance claim.
1860 425 0000 is that toll-free number you can dial to raise a Royal Sundaram car insurance claim. However, the number can be changed afterward. So, you should cross-check it by referring to the Royal Sundaram’s official website before dialing for a claim.
It will depend on the type of Royal Sundaram car insurance policy you purchase. Purchasing a limited third-party cover only will make you eligible for third-party claims online. Whereas a standalone policy of the insurance company grants you to file a claim for own and vehicle damages caused by an accident, theft, or natural or man-made disasters. Royal Sundaram comprehensive car insurance policy is the best as it covers both third-party and own damage claims.
The amount of compensation granted in a claim settlement is determined by the IDV of your vehicle, the extent of damage/loss, and the type of coverage you purchased.
A surveyor is a person who inspects the damaged vehicle and ascertains your eligibility for a claim.