Royal Sundaram Comprehensive Car Insurance

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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

Car insurance is an agreement between an insurance company and a car owner in which the car owner pays premiums, and the insurance company pays for any loss or damage to the vehicle. In India, car insurance is required if the car is commercial or personal usage. The comprehensive car insurance policy is a type of policy that provides coverage for both (policyholder & third-party) involved in an accident. Royal Sundaram General Insurance is the first to introduce the cashless claims process and in-house motor assessor concepts. Royal Sundaram comprehensive car insurance policy serves the insurance requirements in the case of any unexpected issues.

How does Royal Sundaram Comprehensive Car Insurance Policy Work?

Comprehensive policy of Royal Sundaram car insurance provides compensation for all third-party liabilities. In addition, it offers compensation for damages to the insured car. In the event of an emergency, you will receive free roadside assistance. Multiple add-ons are available to enhance the coverage of your base policy.

Royal Sundaram Comprehensive Car Insurance Policy Vs. Third Party Car Insurance Policy

FundamentalsComprehensive Car InsuranceThird Party Car Insurance
CoverageThe comprehensive policy covers all third-party liabilities, we well as own damages of policyholder.It's a liability-only policy, which means it only covers third-party libilities.
Add-onsA comprehensive policy includes several add-on coverage options. No add-on covers will be offered with the third-party liability policy.
CostBecause of the broader coverage, it is often more expensive.Because of the limited coverage, it is reasonably priced.
NecessityOptional to buyMandatory to buy

How to Buy Royal Sundaram Comprehensive Car Insurance Policy? 

To buy Royal Sundaram comprehensive insurance follow the steps given below:

  1. Contact the website of the Royal Sundaram General Insurance Company.
  2. Download the form and fill in all the details.
  3. Choose a policy and pay the premium.
  4. Collect information on the email ID.
  5. You can also dial the toll-free number 1860 425 000 or email customer.services@royalsundaram.in.

What All is Covered Under Royal Sundaram Comprehensive Car Insurance Policy? 

The following things are covered under the Royal Sundaram comprehensive car insurance policy:

  • Compensation for the insured car's damage or theft.
  • Coverage for third-party person, vehicle and/or property damage.
  • Coverage against natural/man-made calamities such as earthquake, cyclone, tsunami, riots, strikes, terror attacks, etc.

What All is not Covered Under Royal Sundaram Comprehensive Car Insurance Policy?

The following things are not covered by the Royal Sundaram comprehensive car insurance policy:

  • Driving when intoxicated
  • In the event of a war, conflict, rebellion, or a nuclear threat
  • Commercial use of a personal automobile
  • Leaving the pre-determined geographical area
  • Electrical and mechanical breakdown
  • Normal wear and tear
  • The driver engaged in the accident did not have a valid driver's licence/policy
  • Depreciation with no extra zero depreciation cover and any resultant loss

Royal Sundaram Comprehensive Car Insurance Benefits

  • Customer Service - This company has a fantastic customer service team that provides exceptional pre-sales and post-sales services.
  • Towing Service - If spot repairs are not possible, Royal Sundaram car insurance provides towing services to India's leading manufacturers.
  • Discounts - If you choose a voluntary deductible of INR 15,000, you will receive a significant 35% discount on your own damage premium, up to INR 2,000.
  • Accidental Coverage - In the event of an accident, Royal Sundaram car insurance provides you with a dedicated personal relationship manager who will assist you and handle your claim settlement.
  • Claim Settlement - This company has an excellent claim settlement track record.
  • Add-ons - This company provides critical automotive add-ons at a reasonable price. These options supplement your standard car insurance. 
  • Huge network of cashless garages.

Royal Sundaram Comprehensive Car Insurance Review

The Royal Sundaram comprehensive car insurance policy is a great way to protect yourself and your vehicle against damages. It provides complete protection against possible accidental damages to oneself and a third-party. Moreover, the company provides safe and reliable insurance policies that can be bought online without much hassle.

Royal Sundaram Comprehensive Car Insurance FAQs

  • 1. What does Royal Sundaram comprehensive insurance provide compensation for?

    Royal Sundaram comprehensive insurance provides compensation for all third-party liabilities. In addition, it offers compensation for damages to the policyholder.

  • 2. What are the benefits of Royal Sundaram comprehensive insurance?

    • Customer service
    • Towing service
    • Discounts
    • Accidental coverage
    • Quick & cashless claim settlement
    • Add-ons
  • 3. What is the official website of Royal Sundaram insurance?

    The official website for the same is www.royalsundaram.in.

  • 4. Can I buy the Royal Sundaram comprehensive car policy offline?

    Yes, you can purchase the policy offline as well.

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