98.33%**
Claims settled
2 Crore+
Customers served
7600+
Cashless garages
Royal Sundaram your one-stop destination for hassle-free Car Insurance
Why Car Insurance?
Whether you're looking to buy or renew your policy, we've got you covered with instant online solutions. Car Insurance, also known as auto or motor insurance, offers vital protection for you and your car against accidents, thefts, and natural disasters. Our comprehensive policies ensure you stay financially secure during unforeseen circumstances, while also safeguarding you from third-party liabilities.
At Royal Sundaram, we believe in flexibility and affordability. You can easily customize your IDV and choose from 10 beneficial add-ons to create the perfect coverage for your car.
The best part? Our user-friendly website and online processes make the entire experience quick and seamless.
Stay on the safe side while hitting the road with confidence. Get your car insurance by Royal Sundaram today and enjoy worry-free driving! Don't miss out - protect your car and your peace of mind now.
Types of Car Insurance
Comprehensive insurance
Comprehensive car insurance is the best type of insurance cover for your car as it covers damages to your car and third-party liabilities.
Recommended for
Car owners seeking comprehensive protection for their vehicle
Own damage insurance
Own damage insurance covers only damage to your car. It also covers natural and man-made calamities.
Recommended for
Car owners who already have third party insurance for their car and want to protect their vehicle from damages.
Third party insurance
Third party insurance is mandatory cover as per law. It covers damages & losses caused to third party person, vehicle and property.
Recommended for
Car owners who want to protect themselves from third party liabilities
Royal Pro-Tip 1 : Bumper to bumper cover (Zero depreciation cover)
Zero depreciation cover is like a magic shield for your car! It ensures that even if your car faces damages, you won't have to bear the brunt of depreciation costs, making it equivalent to a "bumper-to-bumper" protection plan!
Let’s compare Car Insurance Coverages
Coverage under car insurance | Comprehensive vehicle insurance | Own Damage insurance | Third-party motor insurance |
|---|---|---|---|
Accidental damage to your car |  | |  |
Damage due to natural calamities – Earthquakes, cyclone, floods, etc. | | | |
Damage due to events like – Fire, Vandalism, etc. | | | |
Loss of vehicle due to theft | | | |
Total loss due to accident | | | |
Third party property damage | | | |
Third party vehicle damage | | | |
Third party injury or death | | | |
| Get started | Get started | Get started |
What is Included and Excluded in Royal Sundaram's Car Insurance Policy?
Included
Excluded
Accidents
Losses and damages that could occur as a result of an accident or collision.
Fire
Covers accidental fire damages to you car
Theft
Covers stolen car losses.
Third party losses
When your car causes harm or damages to a person, vehicle, or property.
Natural disaster
Damage to you car due to nature’s fury - floods, cyclones, etc.
Personal accident
Provides coverage for your expenses in situations where you have sustained significant injuries.
Why do you need Car Insurance in India?
Royal Pro-Tip 2 : NCB - Your reward for being a safe road star!
NCB (No Claim Bonus) is your pat on the back from us for being a superstar driver! It's the ultimate treat that lowers your insurance premium as a big thank you for staying accident-free on the roads! Keep it up, and watch those savings roll in!
Steps to buy Royal Sundaram's car insurance
Step 1
Enter your information
Provide your information to receive a quote for Car Insurance.
Step 2
Choose coverage and add-ons
Customize your insurance policy by choosing your preferred cover and add-ons.
Step 3
Complete payment and relax
Make an online payment and receive your policy via email.
Enhance your coverage with Car Insurance add-ons
Royal Sundaram's comprehensive range of add-on covers for car insurance.
Zero Depreciation Cover
Nil-Depreciation Cover ensures no depreciation is considered during claim, giving you the full value for repairs / replacements.
Aggravation Cover
Worried about driving through waterlogged roads during the monsoon? Fear not! Drive with confidence, knowing your engine is safeguarded.
Key Replacement Cover
Car keys these days are getting pretty pricey, especially modern electronic ones! They can cost a lot more to replace compared to the good old traditional keys.
Windshield Glass Cover
Typically, claiming for windscreen repair/replacement results in losing your No Claim Bonus. However, with this cover, you can keep your Bonus intact even when making such claims.
Loss of Baggage Cover
Protect your baggage, preserve your Bonus! This cover reimburses loss or damage to your car's baggage, without affecting your No Claim Bonus
Vehicle Replacement Cover
Get full reimbursement on your vehicle's invoice amount, including road tax, registration charges, and insurance costs. Choose from various plans for complete coverage in case of theft or total damage
Why choose Royal Sundaram’s car insurance?
98.33% Claim settlement ratio
Strong track record of fulfilling commitments and delivering on promises with exceptional reliability and efficiency.
Affordable premiums
Discover the best of both worlds with Royal Sundaram General Insurance - Affordable premiums that never compromise on coverage.
Hassle-free claim process
Hassle-free and easy insurance claim experience designed to provide you with atmost convenience and efficiency
Trusted by 2 crore + happy customers
We Prioritize service and satisfaction and always try to give our best for all our customers.
VM SUNDARAM
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.
I wanted to take a moment to say thank you for your excellent and quick service. I really appreciate the help you provided, and I'm happy with the work you did for me. It was a tough task for me, but your staff's support made it easier. I've been a member of your insurance company for four years, and I'm glad I chose ROYAL SUNDARAM insurance. Even on the weekend, the claim process went smoothly, and I'm grateful for how your employees communicated with me and approved my request within just one day. Your company's commitment is truly remarkable, and I want to thank you again for your support.
3.7/5
4.4/5
A step-by-step guide to file a car insurance claim
Step 1
Intimate Claim
Call 1800 568 9999 or intimate claim online.
Step 2
Inspection
Inspection of your car to assess the damage.
Step 3
Claim Approved
We will approve your claim and keep you updated.
The affordable way to protect your car
Jaw-Dropping deals! car insurance starting at ₹2094*
By Clicking on Get Started, You agree to our Terms and Conditions
7600+ cashless garages across India
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Bike Insurance Starting from ₹538
More questions about car insurance? We have answers
FAQs on Car Insurance Policy
Car insurance is a vital aspect to consider while driving on the roads, as even the most skilled drivers cannot avoid risks completely. A minor accident or a small bump can lead to significant financial loss. Therefore, the smartest way to be prepared for such situations is to invest in car insurance, which not only protects you but also your vehicle.
When purchasing a vehicle, whether it's a bike or a car, getting it insured before hitting the road is not a choice but a necessity mandated by the Motor Vehicles Act in India.
Some key benefits of car insurance include:
- Protection against loss or damage to your car.
- Indemnity for third-party property damage up to Rs. 7.5 Lakhs.
- Personal accident cover for you, your paid driver, and the occupants in the car.
- Unlimited liability cover for third-party injury claims and third-party death.
A car insurance policy covers various aspects, including:
- Accidents, theft, and disasters like fire, earthquake, and floods for your vehicle.
- Damage caused to someone else's vehicle or property.
- Coverage for paid drivers, employees, or any unknown passengers.
- Protection for your family members (including yourself) through a personal accident policy.
- Coverage for injuries or death caused to another individual due to an accident caused by you.
However, there are certain situations and damages not covered by a car insurance policy, such as:
- Mechanical or electrical breakdowns.
- Damage caused by an individual under the influence of drugs or alcohol.
- Damage caused by a person driving the car without a valid license.
- Normal wear and tear, depreciation, or any other consequential loss.
- Loss or damage due to nuclear risk or war.
- Wear and tear of consumables like tires and tubes.
In conclusion, having car insurance is a must for every car owner to ensure financial security in case of unforeseen events. Royal Sundaram's comprehensive car insurance package, which offers safety for both you and your car.
Your car is a valuable possession! It's important to have a comprehensive insurance policy that not only covers your car but also provides protection for your family members and passengers traveling with you.
According to the Motor Vehicle Act, having a Car Insurance Policy is mandatory. As a car owner, you must have insurance that covers third-party injury, death, or property damage.
With Car Insurance, you can get coverage for the following:
- Protection for your car against theft, accidents, and disasters like floods, earthquakes, and fires.
- Coverage for your family members, including yourself, through a Personal Accident Policy, offering financial support in case of accidental injuries or death.
- Coverage for paid drivers, employees, or any unnamed passengers who might be traveling in your car.
- Protection against liability for damage caused to someone else's car or property due to an accident involving your car.
- Financial support for injury or death caused to another person due to an accident caused by you.
Having Car Insurance is a responsible decision, providing you peace of mind and ensuring that you are prepared for any unforeseen events or accidents while driving. It's a way to safeguard your car and the well-being of those who travel with you.
Third party refers to individuals who are not your family members or properties that you do not own. In simple terms, it includes people and things that are outside your immediate circle of family and possessions.
There are two types of Motor or Car Insurance Policies, each offering different coverage:
- Third Party Policy: This is a Liability Only Policy that covers all liabilities related to third parties. It includes:
- Bodily injury or death of a third party
- Property damage of a third party
- Personal Accident cover for the Owner-Driver is also included in Third Party Insurance.
- Package Policy: This policy is also known as comprehensive cover and goes beyond the Third Party Policy. It includes coverage for Loss or Damage to the insured vehicle (Own Damage). With Package Policy, you can cover your car against damage due to:
- Road accidents
- Theft
- Fire accidents
- Natural disasters such as flood inundation, lightning, cyclones, etc.
- Riot or strike
It is mandatory, according to the Motor Vehicles Act, to have at least Third Party Insurance coverage for your car. However, opting for a Package Policy provides more extensive coverage, protecting your car from various risks and damages.
Car Insurance Policy terms and conditions:
We request you to carefully read and understand the Terms and Conditions, before you buy the bike insurance policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.
Download Car Insurance Policy Wording Documents
*The premium of Rs.2094/year is applicable only for the base Third party insurance cover for private car below 1000cc without including Personal Accident cover
**Claims settled = claims paid + rejected + closed as of FY 24
Terms and Conditions
1. Consent for Communication:
By submitting my contact number and email ID, I authorize Royal Sundaram to call, send SMS, messages over internet-based messaging applications like WhatsApp, and email to offer me information and services for the product(s) I have opted for as well as other products/services offered by Royal Sundaram General Insurance Limited.
2. Premium Payment:
I declare that the premium paid under this transaction to Royal Sundaram General Insurance Limited is being paid by me as the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by me in my name as a primary holder (referred to as "source account"). I confirm that it is not a third-party payment made by any other person on my behalf. I understand that in the event of policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account, and such electronic transfer will constitute full and final discharge of the Company's obligation.
3. Authorization and Sharing of Information:
We authorize the Company to share information pertaining to my proposal, including medical records, for the sole purpose of proposal underwriting and/or claims settlement with any Governmental and/or Regulatory authority. Further, I agree that I shall not lodge any complaint to TRAI of any alleged unsolicited by Royal Sundaram to me, as part of their policy/claims servicing.
4. Information Sharing:
I hereby permit/authorize Royal Sundaram General Insurance Company Limited to collect, store, communicate, and process information relating to the policy(ies) and all transactions related therewith, including the sharing and disclosing the public authorities of any confidential information as required by law.
5. No Claims Bonus (NCB) Declaration:
I/We declare that the rate of NCB claimed by me/us is correct and that no claim has arisen in the expiring policy period (copy of the policy enclosed). I/We further undertake that if this declaration is found incorrect, all benefits under the policy in respect of Section I of the Policy will stand forfeited, and in case of a claim, the company reserves its right to repudiate the claim.
6. Pollution Under Control (PUC) Certificate:
I hereby affirmatively warrant that the Assured named herein/owner of the vehicle insured holds a valid Pollution Under Control (PUC) Certificate on the date of commencement of the Policy, and the same has been shown to the agent/authorized person of the intermediary. I further undertake to renew and maintain a valid and effective PUC Certificate during the duration of the Policy period. If the PUC certificate is not found valid on the date of loss, I understand that the Company reserves the right to cancel the policy.
7. Break in Insurance and Vehicle Inspection:
I/We agree that in case of a Break in Insurance, the policy would be issued subject to acceptance of risk after evaluation of the Vehicle Inspection report. Own Damage cover (Section -1) would not commence unless the satisfactory Vehicle Inspection report has been received by us. If the Company does not receive the Vehicle Inspection report or the report is adverse, the Company, at its discretion, will cancel the Policy as per the Motor Tariff and product guidelines.
For any further information or clarification, please feel free to contact Royal Sundaram Insurance at the following contact details:
Royal Sundaram General Insurance Co. Limited
Corporate Office Address :
Vishranthi Melaram Towers, No.2/319 , Rajiv Gandhi Salai (OMR), Karapakkam , Chennai - 600097.
Telephone : 91-44-7117 7117
Fax : 044 – 7117 7140
