Royal Sundaram Third Party 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

Royal Sundaram third-party car insurance ensures legal and financial protection against third-party claims arising due to an accident with your insured vehicle. What’s more, it’s mandatory to have a third-party insurance policy to drive on the road, as per the Motor Vehicles Act, 1988. A third-party liability car insurance policy from Royal Sundaram covers a variety of third-party liabilities. The coverage includes compensation for injuries, death and property damage inflicted to third parties. Property damages to a third party are covered up to Rs. 7.5 lakh, but there is no cap on the amount of compensation in case of injury or death of a third party. But how effective the Royal Sundaram third-party car insurance policy is compared to its comprehensive variant? That we can find out now. Let’s begin!

Also check - Car Insurance Online 

Royal Sundaram Third Party vs Comprehensive Car Insurance

FundamentalsComprehensive Car InsuranceThird Party Car Insurance
CoverageThe comprehensive car insurance plan covers all third-party liabilities, the insured car, and the policyholder.It's a liability-only policy, which means it only covers third-party claims.
Add-onsA Royal Sundaram comprehensive car insurance plan includes a number of add-on coverage options. For example, the zero dep add-on cover relieves the policyholder of depreciation liability.No add-on covers will be offered with the third-party liability policy.
CostBecause of the broader coverage, it is more expensive.Because of the limited coverage, its price is reasonably low.

What All is Covered Under Royal Sundaram Third Party Car Insurance?

Royal Sundaram third-party car insurance covers the following events -

  • Third-party property damage coverage of up to 7.5 lakh.
  • In the event the covered car causes bodily damage or death to a third party, the liability coverage is unlimited. A court of law determines the amount of compensation.

What All is not Covered Under Royal Sundaram Third Party Car Insurance?

The following are not covered under the Royal Sundaram third-party car insurance:

  • Damages to the insured car due to a traffic accident.
  • Any natural or man-made disaster that causes damage to the covered vehicle.
  • Injury to the policyholder's body..

Key Benefits of Purchasing Royal Sundaram Third Party Car Insurance

Following are the benefits of Royal Sundaram third-party car insurance:

  • Mandatory by Law

You must have a third-Party car insurance policy to run your vehicle on the road.

  • Affordable Premiums

It is a basic requirement to operate a vehicle. So the premium of such a policy is economical. The third-party insurance policy premium is reviewed by the Insurance Regulatory and Development Authority of India. (IRDAI). 

Royal Sundaram Third Party Car Insurance Review

The Indian government has mandated the purchase of third-party car insurance by Royal Sundaram or any other vehicle insurer. The policyholder benefits from Royal Sundaram third-party car insurance in a variety of ways. A Royal Sundaram third-party liability automobile insurance coverage covers a number of third-party liabilities. Compensation for injuries to third parties on the road, property damage to third parties, and unlimited liability coverage in the event of a third party's death are all included in the plan.

Also check - Royal Sundaram Car Insurance Online

Royal Sundaram Thrid Party Car Insurance FAQs

  • 1. What Is Covered Under Royal Sundaram Third Party Car Insurance?

    • Third-party property damage coverage of up to 7.5 lakh.
    • In the event the covered car causes bodily damage or death to a third party, the liability coverage is unlimited. A court of law determines the amount of compensation.
  • 2. What Does Royal Sundaram third-party car insurance not cover?

    • Damages to the insured car regardless of whether it happens due to an accident, natural or man-made disasters.
    • Injuries or death of the vehicle owner.
    • Theft of the vehicle.
  • 3. What are the add-ons for Royal Sundaram third-party car insurance?

    No add-on covers will be offered with the third-party liability policy.

  • 4. Can I apply for Royal Sundaram third-party car insurance online?

    You can purchase the Royal Sundaram third-party car insurance policy online. Just visit the website of Royal Sundaram, go to car insurance and buy the third-party policy by paying its premium. 

  • 5. Do I need to renew my Royal Sundaram third-party car insurance policy?

    Yes, you will need to keep renewing it on the specified date to make it valid under the law. Else be ready to pay a fine or face an imprisonment if you are caught with an expired Royal Sundaram car insurance policy on the road.

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