Royal Sundaram Car Insurance

Royal Sundaram Car Insurance is a car insurance policy offered by Royal Sundaram (previously known as Royal Sundaram Alliance Insurance Company Limited), a joint venture of Sundaram Finance Limited. The insurer was the first in the country to partner with banks for selling retail insurance products. With over 4.5 million customers, 2000+ employees and 156 branches across India, Royal Sundaram was the first insurer to introduce in-house Motor Assessors (IMAs). The three types of car insurance plans offered by Royal Sundaram are comprehensive, own damage and third party along with the benefit of Unlimited Liability for Third Party death/ injury Claims.

• Customer Service: This Company has an excellent team of customer service that offers good and hassle-free pre-sales as well as post-sales services.
• Towing facility: In case of impossibility of spot repairs, the Royal Sundaram Car Insurance offers towing services towards all the leading manufacturers in India.
• Discounts: Offers a good 35% discount on Own Damage Premium subject to Rs.2,000 maximum if you opt for a voluntary deductible of Rs.15,000.
• Accidental cover: In case of an accident, Royal Sundaram Car Insurance offers a dedicated personal relationship manager to help you and take care of your claim settlement.
• Claim Settlement: This Company has a very clean record for claim settlement.
• Add-ons: This Company offers essential add-ons for your car at an affordable costs. These add-ons enhance your basic car insurance. Depreciation cover, Third-party cover, Personal accident cover, etc.
• Cashless claim: This company has more than 3300 cashless network garages.
• Car Shield: Offers a personal accident cover for your paid driver, yourself and if there are any other occupants in the car when your car meets with an accident.

In India, as per the Motor Vehicles Act of 1988, it is mandatory that every vehicle being driven on the road be insured. This rule applies to your Car too. Broadly, car insurance is divided into two categories i.e. third-party car insurance and comprehensive car insurance. However, you’ll be surprised to know [if you don’t know already] that only the third-party liability insurance is mandatory by law.

Let’s find out some of the important reasons to insure your car with Royal Sundaram Car Insurance:

• Covers for any damages/losses caused to the third party.
• Offers 100% invoice price insurance cover.
• Offers free roadside assistance kit.
• Provides comprehensive coverage for your own car.
• Protects your car against theft, natural calamities, etc.
• Provides complete peace of mind through stress-free rides.
• Offers 24*7 claim assistance.
• Offers quick and hassle-free claim settlement services.
• Has a network of more than 3300 cashless garages across the country.

You can customize the Royal Sundaram Private Car Insurance Policy as per your car’s requirement. It is important to understand the coverage before actually opting for a car insurance policy. Remember to insure your car adequately. It is not advisable to be covered insufficiently.

Third- Party liability insurance

• This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property.
• This plan also includes the personal accident coverage for the owner-driver as well.
• Unlimited coverage is provided for death or injury of third party while up to Rs.7.5 Lakh are covered for property damage.

Own damage

Royal Sundaram Car Insurance offers a comprehensive coverage for you and your prized possession. They offer the below coverages:

• Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
• Landslides and rockslides
• Earthquake (both shock and Fire)
• Fire, self-ignition, lighting or explosion
• Terrorist and Malicious activities
• Strikes and Riots
• House breaking, burglary and theft of car

Personal Accident Cover

• Royal Sundaram Car Insurance will pay sum insured of Rs.2 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death
• An accident can leave you impaired to earn your as well as your family’s earning. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement

Your Royal Sundaram Car Insurance covers the below:

• Loss or damage caused by natural calamities
• Total Loss because of fire, explosions or an act of terror
• Total loss because of theft
• Personal accident cover which could include passengers also
• Own-damage cover
• Third-party liability cover

Royal Sundaram offers Car Shield that comes with 9 unique add-on covers that offers an extra touch of protection at a minimal rate. Besides the above-mentioned inbuilt coverages, Royal Sundaram Car Insurance policy also has optional riders which can be selected by paying an additional premium. These riders include enhance your basic car insurance policy.

Inclusion:

• All plastic parts without depreciation.
• All metal parts without depreciation.
• The entire amount of all the parts of the car that requires replacement are compensated in full

Exclusion:

The claims would not be admitted under the below exclusions:

• Normal Wear and Tear and Electrical or Mechanical Breakdowns.
• Damage to Tyres (unless vehicle also damaged).
• Driver without a Valid Driving License.
• Driving under the influence (DUI) of intoxicants such as liquor or drugs.
• When the vehicle is used for any illegal purpose.
• Usage outside geographical limits.
• Vehicle is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials.
• Nuclear Wars and Perils.

Step-by-step claim process is mentioned below:

• Contact Details for: Royal Sundaram General Insurance Company
• Website: www.royalsundaram.in
• Toll free number: 1860 425 0000
• Send an email at: **customer.services@royalsundaram.in

a) In case of an Car Accident Claims

• Immediately contact Royal Sundaram Car Insurance Company on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier.
• Lodge a claim by filling in the duly signed Claim Form by the insured.
• Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted.
• FIR report also needs to be submitted if required (Kindly note down, contact details of people and vehicle number involved in accident).
• Original Repair Bill in case of a reimbursement claim is required.
• In case of cashless service submit only the Invoice receipt.
• In case of reimbursement provide estimate bill, original invoice and payment receipt.
• Give a brief description of the loss or damage for the car.
• Mention the details of the persons suffered injuries due to the accident or died in the accident.
• Photographs of the damaged vehicle needs to be submitted.
• Take appointment with the surveyor and take your vehicle to any of Royal Sundaram Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor.
• The Company would confirm the liability.
• In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable.

But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

b) In case of Car Theft Claims

• Immediately contact Royal Sundaram Car Insurance Company on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier.
• Lodge a claim by filling in the duly signed Claim Form by the insured.
• Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted.
• FIR report also needs to be submitted.
• Photographs of the vehicle needs to be submitted.
• Submit the NOC given by the financer for total loss and theft.
• Submit the Power of Attorney or Subrogation in case of total loss.
• Submit the discharge voucher.
• Set of the car keys.
• Submit the indemnity bond.
• Original Repair Bill in case of a reimbursement claim is required.
• Duly signed Form 28, 29, 30 and Form 35.
• Inform your RTO about the theft.
• Inform your financier immediately of the theft and ask them to discuss the case directly with your insurer this might expedite the claim process.
• Inform Royal Sundaram Car Insurance Company in case the police traces your car.
• Final confirmation with “No Trace Report” of the insured vehicle from the police.
• The Company would confirm the liability and settle your claim.

c) In case of Third Party Claims

• Immediately contact Royal Sundaram Car Insurance on their toll-free number or by visiting their nearest branch office. You may also write an intimation letter to Royal Sundaram’s registered office via post or courier.
• Lodge a claim by filling in the duly signed Claim Form by the insured.
• Copy of Driving License, RC book, Policy document along with the original documents needs to be submitted.
• FIR report also needs to be submitted if required.
• Take appointment with the surveyor and take your vehicle to any of Royal Sundaram Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor.
• The Company would confirm the liability
• In case you opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable.

But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

Important information to submit while intimating a claim

• Your Contact Numbers
• Policy Number
• Name of Insured person
• Date & Time of accident
• Vehicle number
• Make and Model
• Location of Loss
• Brief description on how the accident took place
• Name of Driver
• Place & contact details of the Insured Person if the person intimating the claim is not insured.

With a robust base of faithful customers clubbed with sturdy Pan India branch setup, Royal Sundaram’s Car Insurance Plans are reasonably priced and cost-optimized. Also the premiums are viable, pocket friendly and accounted for. This Company ensures 24*7 customer support and an excellent claim settlement process too. Their excellent inspection team offers you high service standards, why makes Royal Sundaram Car Insurance one of the best car insurer’s in India.