Royal Sundaram Car Insurance Claim

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Royal Sundaram Car Insurance Highlights

Royal Sundaram (Car Insurance)
"Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. The company was initially promoted as a joint venture by Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and other Indian Shareholders. Royal Sundaram has been providing innovative general insurance solutions to individuals, families and businesses directly as well as through its intermediaries and affinity partners. The company offers Motor, Health, Personal Accident, Home and Travel Insurance to individual customers and offers specialized insurance products in fire, marine, engineering, liability and business interruption risks to commercial customers. Royal Sundaram also offers specially designed products to the small and medium enterprises and rural customers as well. The company is a pioneer in bancassurance in India, having long-standing tie-ups with reputed banks and NBFCs."
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Claim Settlement Ratio
98.6
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Usp
Provides zero dep till 10 years of age of car (up to 5 years if there’s any break-in in the policy , for non break in up to 10 Years) -Free pickup and drop (if opt for TRS, Trusted Repair Shop)
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close - Provides zero dep till 10 years of age of car (up to 5 years if there’s any break-in in the policy , for non break in up to 10 Years) -Free pickup and drop (if opt for TRS, Trusted Repair Shop)
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Free Addons
24*7 Road Assistance (radius - 25 km from breakdown) - Consumables
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close - 24*7 Road Assistance (radius - 25 km from breakdown) - Consumables

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. 

List of Documents Required During Claim Settlement

  • Insurance policy paperwork.
  • A claim form that has been completed and signed.
  • A photocopy of your PAN card (if the claim amount is more than INR 1 lakh).
  • Photocopy of the vehicle's RC that has been self-attested.
  • A self-attested photocopy of the driver's licence at the time of the accident.
  • FIR if a third party is seriously injured or killed, and the car is stolen.

How to Make Royal Sundaram Car Insurance Claim Online?

Below is the process outlined for Royal Sundaram car insurance claim online.

  • In case of an incident resulting in a claim, intimate Royal Sundaram about it on the official website of the insurance company or email the same to customer.services@royalsundaram.in, and an insurance representative from the company will contact you to walk you through the claim filing procedure.
  • You must also tell the company of the specifics of your situation so that it could act promptly in your case.
  • Ensure that your damaged car is not repaired or touched until a company's surveyor has inspected it and assessed the damage.
  • A survey of your vehicle will be scheduled as soon as the company receives the notification of the claim and a comprehensive estimate of the cost of repairs from the concerned repairer.
  • Policyholders must produce their original driver's license as well as the vehicle's registration certificate, which will be checked and returned.
  • To the surveyor or repairer, you must provide a fully filled and signed claim form. 
  • The claim form must be stamped with Royal Sundaram's seal and signed by an authorized person.
  • An FIR (First Instance Report) must be made if a third party property, injury, or death is implicated.
  • Royal Sundaram car insurance claim may need more documents, explanation or information to get settled.
  • Once you've submitted all the necessary documents, you can use the cashless option.
  • After the repairs are completed, the vehicle must be presented to the surveyor for re-inspection.
  • The original bill, as well as the satisfaction voucher for cashless claims, must be supplied for the processing of Royal Sundaram car insurance claim.
  • Together with the original invoice or bill, the cash receipt must be supplied with a reimbursement claim.

How to Make Royal Sundaram Cashless Car Insurance Claim?

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.

  • Intimate Royal Sundaram Car Insurance Claim First

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. 

  • FIR Lodge (If Applicable)

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.

  • Investigation and Documentation

The firm will send a surveyor to evaluate the damage and complete the paperwork necessary to settle your insured vehicle's claim.

  • Tow Your Vehicle

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.

  • Settlement of Repair and Claim

 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).

Common Royal Sundaram Car Insurance Claim Rejections

  • Delayed notification of the accident to the company.
  • False information provided during the claim settlement process.
  • Before a survey of the damaged insured car, repairs were undertaken.
  • Accidents caused by the driver's irresponsible driving.
  • RC and driving without a driver's licence (Registration Certificate).
  • Expired insurance coverage due to non-renewal.
  • Mismatch of personal information 

Royal Sundaram No Claim Bonus

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. 

Royal Sundaram Car Insurance Claim FAQs

  • 1. What are the documents required for Royal Sundaram car insurance claim?

    Below are the documents to have when filing a Royal Sundaram car insurance claim.

    • Insurance policy paperwork.
    • A claim form that has been completed and signed.
    • A photocopy of your PAN card (if the claim amount is more than Rs. 1 lakh).
    • A self-attested photocopy of the vehicle's RC.
    • A self-attested photocopy of the driver's licence at the time of the accident.
    • FIR in case the third person is killed or seriously injured, and the car is stolen.
  • 2. What is the toll-free number for the 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.

  • 3. For which can I raise a Royal Sundaram car insurance 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.

  • 4. How is the Royal Sundaram car insurance claim settlement amount determined?

    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.

  • 5. What does a surveyor do when you raise a car insurance claim with Royal Sundaram?

    A surveyor is a person who inspects the damaged vehicle and ascertains your eligibility for a claim.

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