Royal Sundaram Two Wheeler Insurance FAQs

The following factors determine the premium of your two-wheeler insurance policy-

• The cubic capacity of your two-wheeler
• Insured’s declared value of the vehicle
• Make and model and age of your two-wheeler
• Place of registration of your two-wheeler
• Type of policy that you buy
• Available discounts
• Add-ons selected

During the settlement of a claim, a certain amount is deducted by the insurance company from the claim amount. This amount is called compulsory deductible which is borne by the policyholder.

The following documents are required to be submitted for two-wheeler insurance-

• A duly filled and signed two-wheeler claim form
• Registration certificate of the vehicle (Self-attested)
• Driving licence of the person driving the vehicle at the time of the accident
• An FIR is required to be registered at the police station in cases of an accident resulting in death or bodily injury to the third party or damages to third-party property. A copy of the FIR is to be submitted along with the above-mentioned documents. 
• Original invoices and cash bills in case of reimbursement claims.

You can customize your bike insurance with different add-ons offered by the insurance company. It offers the following add-ons at an additional premium cost- 

• Return to invoice cover
• Zero depreciation cover
• Consumables add-on cover 
• Accessories cover

You can check the status of your Royal Sundaram two-wheeler insurance claim by calling on the toll-free number 1860 425 0000 and referring to the insurance claim using your claim registration number. The customer department will assist you and update you with the status of your claim.

You don't need any documents to get a Royal Sundaram two-wheeler insurance renewal done online because there is no paperwork involved. All you have to do is supply your policy number and the policy's expiration date.

When getting your Royal Sundaram two-wheeler insurance renewal, you can only add or remove add-ons and extra coverage. However, if you want to amend any of the policy's details, you have to file an endorsement.

No, both types of insurance plans can get their Royal Sundaram two-wheeler insurance renewal through the company's official website's same portal. The difference is in the renewal fees, which you can see when you renew your insurance.

Enter your login ID and password on the Royal Sundaram login screen. On the next page, you'll see all of your transaction information.

It's critical to get the Royal Sundaram two-wheeler insurance renewal done before it runs out so that you may continue to benefit from the coverage. It is a simple process to renew your bike insurance online.

• Click here to go to your royal Sundaram's Insta renew page.
• You can log in using your phone number and a one-time password.
• Validate your information.
• After that, you'll have to pay the premium.
• Your coverage will be renewed after the payment is received.

Yes, even if you take your two-wheeler to a non-network garage, you can file a Royal Sundaram two-wheeler insurance claim. In this instance, you must pay for the repairs first and then submit all billing documentation for reimbursement. After subtracting deductibles as required by the insurance policy, Royal Sundaram will refund the repair costs.

No, a valid Royal Sundaram two-wheeler insurance claim can be filed an unlimited number of times. However, to take advantage of the no claim bonus reduction, it's best to avoid filing a claim for minor damages.

In case of property damage to a third party, bodily injury to a third party or self, or vehicle theft, you should contact the local police station right away and file a Royal Sundaram bike insurance claim.

Before registering any claim, you should immediately report your stolen vehicle to the police. Royal Sundaram bike insurance claim cannot be filed if you fail to disclose your claim on time.

A constructive total loss occurs when the cost of repairing your vehicle exceeds its current value.

Yes, you can transfer your Royal Sundaram two-wheeler download policy to the new vehicle owner if you sell your two-wheeler to someone else. After that, the new policy owner is responsible for the insurance liability.

Yes, the transfer of your no claim bonus of Royal Sundaram two-wheeler download policy to a different insurance company is possible when you renew your two-wheeler insurance.

The term IDV stands for Insured Declared Value. It is the amount you will be reimbursed if the Royal Sundaram two-wheeler is totaled or stolen. It is important to note that this is not the market value of your bike. 

Royal Sundaram two-wheeler download policy insurance premiums are generally determined by the manufacturer, model, age, and registration location of your bike. Your rate for two-wheeler insurance is also determined by the type of policy you choose and your claims history.

To get the Royal Sundaram two-wheeler policy download document updated, call its toll-free number and seek a change in the policy for easy rectifications or alterations in your insurance policy. Changes in one's name, gender, residence, and contact information, among other things, can be obtained. The customer service team will request some verification, and if it gets verified, the modifications will be made as soon as possible.

Royal Sundaram bike insurance add-on covers implies additional protection that may be acquired to expand the coverage of a regular plan for an additional fee. These add-ons are available for purchase with both comprehensive and standalone own-damage bike insurance plans. Zero depreciation coverage, roadside assistance coverage, engine protection, and other popular bike insurance add-ons are just a few examples.

No, the numbers of Royal Sundaram bike insurance add-ons that can be purchased are unlimited. You can customize your policy with as many add-ons as you want.

The purchase of the Royal Sundaram bike insurance add-on cover does not necessitate any additional documentation. By paying a small additional price at the time of purchase, you can add them to your two-wheeler insurance policy.

Royal Sundaram bike insurance add-on covers increase a bike insurance policy by extending the coverage of a normal bike insurance plan.

Royal Sundaram two-wheeler insurance add-ons are not mandatory to have, but they are highly recommended because they expand the coverage of your normal bike insurance policy. So, yes, in order to buy them, you need to renew them yearly.

The Royal Sundaram comprehensive bike insurance policy has a tenure of 3 years, if you are a new buyer. It also offers a 5-year package policy that gives clients the most coverage.

The following add-ons are included in the Royal Sundaram comprehensive bike insurance policy:

• Zero depreciation cover
• Passenger cover
• Return-to invoice cover
• Engine protection cover
• NCB protection cover
• Electronic components
• Loss of accessories
• Key replacement cover, etc

The following savings are available under the Royal Sundaram comprehensive bike insurance policy:

• Voluntarily Deductible 
• No Claim Bonus
• Any Membership in the Automobile Association
• Installation of an anti-theft device

There are two types of two-wheeler insurance policies: comprehensive and third-party liability. For example, Royal Sundaram comprehensive bike insurance policy protects your bike from theft, damage, or natural disasters and third-party responsibility. On the other hand, third-party liability is mandatory coverage that protects your bike only from third-party liability in death, bodily injury, or third-party property damage.

With the Royal Sundaram two-wheeler third-party insurance coverage, the NCB is not accessible.

You should submit the following documents to file a claim under the Royal Sundaram two-wheeler third-party insurance:

• Claim form for two-wheeled vehicles
• Cover note/copy of policy document
• A duplicate of your driver's licence
• Copy of the registration certificate and the FIR, as well as any other papers requested by the insurer

The Royal Sundaram two-wheeler third-party insurance does not cover any type of loss or damage to the insured bike or owner. 

Royal Sundaram's third-party bike insurance offers legal liabilities against third-party and other benefits make it a good choice for everyone. Customer service is available 24*7. Purchase and renewal are quick with minimum paperwork. 

Yes, you can file claims online at the official website of Royal Sundaram.

The Royal Sundaram two-wheeler zero depreciation insurance coverage will only cover incidents that occur within the geographical area and will not cover incidents that occur outside of that area. For each policyholder, the Royal Sundaram comprehensive bike insurance policy, with or without the zero depreciation add-on, has a pre-determined geographical limitation.

No, a third-party bike insurance policy cannot be converted to a Royal Sundaram zero depreciation bike insurance. A 0% depreciation add-on, like all other add-ons, can be purchased along with a comprehensive or standalone own-damage bike insurance policy.

A Royal Sundaram zero depreciation bike insurance cover is an add-on that compensates for the repair and replacement of depreciable bike parts by providing the full claim settlement value. A comprehensive insurance policy is a type of bike insurance that covers the owner-rider for own damage, third-party liability, and personal injury. It is preferable to purchase a complete motor insurance policy and supplement it with a Royal Sundaram zero depreciation two-wheeler insurance cover.

No, a person has to buy comprehensive/own damage bike insurance to opt for Royal Sundaram zero depreciation bike insurance coverage.

Other add-ons that a person can opt for while buying Royal Sundaram zero dep bike insurance are mentioned below.

• No-Claim Bonus (NCB) protection
• Roadside assistance 
• Protection for the engine
• Consumables cover
• Return to invoice

Yes, Royal Sundaram has 3868 network garages across India that provide cashless services.

The following factors determine the Royal Sundaram standalone bike insurance premium: 

• Insured's Declared Value (IDV)
• Cubic capacity of the vehicle
• Geographical location
• Year of manufacture

You will need the following documents to make a Royal Sundaram standalone two-wheeler insurance claim. 

• A copy of the policy document
• A copy of the police report (FIR)
• A copy of the registration certificate
• Original repair bills for the vehicle
• Proof of the mishap

As long as you have a basic third-party bike insurance, Royal Sundaram standalone bike insurance, also known as standalone damage policy, is not required by law.

It would help if you considered purchasing a Royal Sundaram standalone bike insurance coverage to safeguard your vehicle from damages or losses caused by theft, fire, mishap, accident, and other factors. In case of an accident, the insurance company is responsible for the cost of replacing or repairing the damaged bike parts.