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Royal Sundaram Car insurance

We help you drive confidently - with ZERO worries.

At Royal Sundaram, we want you to drive your car with 100% safety and peace of mind. With the Royal Sundaram Car insurance policy, we help protect you from the risk of loss in lakhs of rupees. 

Key Benefits of Car Insurance

Car Insurance Protection
Car Insurance Protection against theft & damage
We shield your car
A car is every owners pride and joy. We will protect it against loss or damage due to theft or accident.
Car Insurance Protection against personal accident
We shield you
We help you be prepared for the unforeseen. You are covered by a Personal Accident Cover for a minimum of Rs.15 lakh. You can extend cover for passengers too.
Car Insurance Protection against third party liability
We shield against liability
God forbid, in case you are in an accident involving a third party, the policy covers your financial liability for damage to their property.

Our Car Insurance will instantly protect you like airbags.

Backed by our powerful network and technology.
Car inspection at home
A car inspection process that’s completely digital – from the comfort of your home in just 20 minutes.
M-Chatra App for all policy details
A one-stop app for all policy details, claim processes and other requests.
Car Insurance claim in 5 days
We provide multiple, hassle-free ways to reach out to us for a claim. We fast-track claims in less than 5 days.
Trusted Cashless Garage Networks
Our trusted garage network across India will provide cashless repairs and priority service to you as a Royal Sundaram Car Shield Customer.

We secure you like a seatbelt

NCB in Car InsuranceDon't lose your No Claim Bonus

When you move your insurance policy to Royal Sundaram, you'll be able to transfer your NCB. It will keep growing just like it was previously (in case of no claim).

Protect you from inflationProtection from inflation

You will not need to pay any extra premium even if there is an increase in Third party premium during the course of the policy period.

Get 100% full invoice price add on100% Vehicle replacement value plus add on

With this add-on, In case of theft or total damage of your car, you will get full reimbursement on the invoice amount (Ex showroom price only),road tax amount, registration charges and insurance cose. Just like your car value didn’t depreciate at all.

Minimal Documentation Required for Car InsuranceMinimal Documentation

Just one policy document will be issued for the entire policy period. You don't have to take care of multiple papers.

Quick claim settlement in 10 daysQuick Claim Settlement

Claim settlements processed within 10 working days.

Car Insurance Benefits from Royal Sundaram

Why choose Royal Sundaram?

Car Insurance ClaimsTrusted Car Insurance PolicyEasy Claims
Painless Claims
Trusted by 28 Million Indians
Affordable Premiums
Reliable and fail-safe, like well-oiled brakes.

We stand by you when you need it most.

  • I applaud and appreciate all of the Dedication and the way of deal with customers you showed me. I am sure to inform all of my friends and family about your skills as a taken of appreciation on my part

    Raza Dinesh Singh
  • Happy with the roadside assistance from Royal Sundaram. Prompt and effective response from the team.
    Thank you so much.

  • I am writing this to express my grateful thanks to Royal sundaram Insurance and specially I would like to say thanks to Mr. Deepak Bhagore. He timely responded and explained all the details and help during the claim process.I got my car repaired in 2 days without any hurdle.

  • Thank you Divya for the helpfulness during these difficult times.This really stands for the character of heroes like you in our lives.I can't thank you enough for this timely help, and helping me adhere to my duties as a parent.

  • Thank you I am in receipt of the insurance copy. I feel such great pleasure to see your (Royal Sundaram) prompt and unconditional service. This makes you different from others. Really thankful to you.

  • Happy with the roadside assistance from Royal Sundaram. Prompt and effective response from the team.
    Thank you so much.

    Mr Somarajan Mani
  • Happy with the roadside assistance from Royal Sundaram. Prompt and effective response from the team.
    Thank you so much.

    Mr Somarajan Mani

Customise and make this policy your own, just like your car.

With these car insurance add-ons & additional coverages, boost your protection with just a minimum increase in your premium.

  • Personal Accident Cover for all passengers and paid driver upto a maximum of Rs. 50 lakh per person
  • Legal Liability to your employees who might be driving or travelling in the car (other than paid driver)
  • Legal liability for your paid driver
  • Comprehensive cover for electrical/electronic/ non-electrical fittings
  • Cover for CNG Kit and Bi-Fuel System as mentioned in the Registration Copy (RC) book.
  • Depreciation Waiver Cover 
    The value of a car keeps going down with time, but with this add-on, you will get fully reimbursed without any deduction for depreciation on the value of parts being replaced.
  • Windshield Glass Cover 
    If your windscreen glass accidentally breaks and needs to be repaired or replaced, we will reimburse this without your No Claim Bonus getting affected provided your claim is only for windscreen glass damage.
  • Voluntary Deductible Cover 
    This add-on helps you save 15%-35% on your premium, by voluntarily agreeing to pay a stipulated portion of every claim amount yourself, while we pay for the damages in excess to your Voluntary Deductible.
  • Vehicle replacement Value plus 
    With this add-on, In case of theft or total damage of your car, you will get full reimbursement on the invoice amount (Ex showroom price only),road tax amount, registration charges and insurance cost. Just like your car value didn’t depreciate at all.
  • Loss of Baggage Cover 
    This cover provides reimbursement in the case of loss or damage to baggage placed in your car.
  • Spare Car Clause 
    We will take care of you while your car is in the service shop. This add on gives you daily cash benefit to cover travelling expenses while your car is being repaired.
  • NCB Protector 
    This add-on lets you make up to two Own Damage claims without affecting your No Claim Bonus.
  • Key Replacement Cover 
    If your car keys are lost or damaged we will cover the cost for repair/replacement of keys, including labour costs.
  • Tyre Cover 
    Normally, damage to tyres and tubes are covered in a standard policy only if the vehicle has met with an accident resulting in damage to the tyres and/or tubes. This add-on covers damage to the tyres and tubes without the vehicle meeting with an accident.
  • Aggravation(Damage)Cover Clause 
    Driving in the rain is stressful indeed. This add on covers losses due to damage to engine, gear box, transmission or differential, and power steering pump internal parts caused by leakage of lubricating oil/coolant due to any accidental means or water logging while being driven.
  • Enhanced Personal Accident Cover 
    This cover is an extension of Personal Accident Cover with maximum up to 50 Lakhs Capital Sum Insured. It is offered in multiples of 1 Lakhs.
  • Road Side Assistance 
    This add ons provides you 17 various road side assistance to you and your car.
  • Smart Save 
    In case the vehicle gets repaired at other than Royal Sundaram’s TRS, an additional deductible of Rs.3000 will be deducted from claim amount
  • Pay As you Drive 
    Age, Make ,Model, HE and Non HE, NCB/Nil NCB, Product ,Fuel,cc ,RTO, Reg City,Intermediary are to be configurable
Car Insurance Coverage and Add-ons

We bring you clarity, just like good windshield wipers.

Have a question? Search for it.

Driving on roads may be a pleasant experience, however, one has to consider the safety factor equally well. Even a skilled driver cannot avoid the risk factor while driving. A little bump or minor accident in such cases can result in huge loss. Thus, the only best way to remain prepared against such circumstances is to buy a car insurance. It's the smartest way to financially secure you and your car.

So, when you buy a vehicle, be it a bike or car, you must get it insured before you start driving it on the road. Remember, a car insurance policy is not a choice, it's a necessity and mandatory by the Motor Vehicles Act in India.

A few key benefits

  • Protection for loss or damage caused to your car
  • Indemnity for third-party property damage up to a certain limit of Rs. 7.5 Lakhs
  • It provides personal accident cover to you, your paid driver as well as the occupants in the car.
  • It offers unlimited liability cover for third party injury claims/third party death.

What's covered under a car insurance policy?

  • It covers your vehicle against accidents, theft, disasters such as fire, earthquake, floods, etc.
  • Damage caused to somebody else vehicle or property
  • Paid driver, employees or any unknown passenger
  • It covers your family members (including you) with personal accident policy
  • Injury or death of another individual due to an accident caused by you

What's not covered under a car insurance policy?

Heres a list of things not covered under a car insurance policy:

  • This excludes mechanical/electrical breakdown
  • Damage caused by an individual under the influence of drugs or alcohol
  • Damage caused by a person who is 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 such as tyres and tubes

So, it can be fairly said that an insurance policy is a must for every car owner. Besides, there are multiple policies available in the market these days. Royal Sundaram's comprehensive car insurance package lends safety to you as well as your car.

Car is your prized possession! Availing a comprehensive insurance policy is prudent, which not only covers your car, but also your family members or passengers in your car.

A Car Insurance Policy is mandatory under the Motor Vehicle Act. Every car owner must have an insurance which covers third party injury, death or property damage.
With Car Insurance, you can cover-

  • Car against theft, accidents, disasters such as floods, earthquake, fire, etc.
  • Family members (including self) with Personal Accident Policy
  • Paid driver, employees or any unnamed passenger
  • Damage to someone else's car or property
  • Injury/Death of another person due to accident caused by you

Third party refers to people who are not your family members or property you don't own.

There are 2 types of Car Insurance. 1. Third Party Policy - This is a Liability Only Policy and covers all third party liabilities such as -
  • Bodily injury or death of third party
  • Property Damage of third party

Personal Accident cover for Owner-Driver is also included in Third Party Insurance.

2. Package Policy - This covers Loss or Damage to the vehicle insured (Own Damage) in addition to the Third party cover. It is also known as comprehensive cover. You can cover your car against damage due to -
  • Road accidents
  • Theft
  • Fire accidents
  • Natural disasters such as flood inundation, lightning, cyclone, etc
  • Riot or strike
Covering your car with at least Third Party Insurance is mandatory, as per the Motor Vehicles Act.

The Private Car is the one that is used for social, domestic and pleasure purposes and also for business purposes excluding the carriage of goods other than samples by the insured or his employees.

Break-in-insurance is when the Policy lapses due to non-renewal of the Policy on time. As per the law, an owner should cover his/her car with at least third party insurance at all times. If you have a break in your car insurance, you can-
  • Approach another insurance company to renew policy-if it has been less than 90 days since the Policy lapsed. In this case, you may be able to retain your No Claim Bonus.
  • Obtain a new Insurance Policy-if it has been more than 90 days since the Policy lapsed.
  • In either case, you have to get your car re-inspected

In every car, the metal, rubber, nylon and plastic parts are subject to deduction for depreciation. During a Claim, if there is any damage to these parts, it will not be fully covered. The coverage will be as per the percent of depreciation.

Not exceeding 6 months Nil
Exceeding 6 months but not exceeding 1 year 5%
Exceeding 1 year but not exceeding 2 years 10%
Exceeding 2 years but not exceeding 3 years 15%
Exceeding 3 years but not exceeding 4 years 25%
Exceeding 4 years but not exceeding 5 years 35%
Exceeding 5 years but not exceeding 10 years 40%
Exceeding 10 years 50%

Accidents can occur at any time, any place, even if it is not your fault. But with Insurance you can recover from it financially. With comprehensive car insurance, the Insurer will protect you against any loss or damage to the Private Car and its accessories during following unforeseen events:

  • Fire, explosion, self ignition or lightning
  • Burglary, housebreaking or theft
  • Riot or strike
  • Earthquake (fire and shock damage)
  • Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accidental external means
  • Malicious act
  • Terrorist activity
  • Whilst in transit by road, rail, inland- waterway, lift, elevator or air
  • Land slide, rock slide

An endorsement is a document that incorporates amendments and additions in the existing terms of the policy. It is a written evidence of an agreed change to policy. If the policyholder needs to purchase more coverage, add riders or change the scope of the existing insurance policy, they can approach the insurance company to make the required changes by way of an endorsement.

An endorsement can be issued at the time of purchase, mid-term or during renewal period. It can be used to provide additional benefits and cover (e.g., legal liability to driver) or to impose restrictions (e.g., accidental damage deductible). Subsequently, any amendments regarding policyholders documents such as change of name, change of address, change of vehicle, etc. can also be implemented by way of an endorsement. The wordings of those endorsements are provided in the tariff.

  • Insured's Declared Value (IDV)
  • Cubic Capacity of the vehicle
  • Geographical Zones
  • Age of the vehicle   

The geographical zones are-

  • Zone A - Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune.
  • Zone B - Rest of India

The discounts that can be allowed under the Private Car policies are:

  • Voluntary Deductible discount
  • No Claim Bonus
  • Automobile Association Discount
  • Discount on Vintage Cars

Yes, the policy can be cancelled by the customer within 7 days notice to the Insurer and the company will cancel the policy on Short period basis and refund of premium if any, will be made. The refund will be subject to no claim under the policy and retention of minimum premium of Rs.100/-. But cancellation would be made only after ensuring that the vehicle is insured elsewhere at least for Liability Only policy.

A customer can withdraw the claim lodged by submitting a request in writing to the insurance company.

  • No paperwork is required to buy your insurance policy online
  • Instant policy issuance 
  • Multiple payment options via Credit Card, Debit Card or Net Banking
  • Highest levels of security.

A change can be affected in policy by way of an endorsement to include additional benefits and cover.

No paperwork is required to buy your insurance policy online except for break in cases where VIR will be required and the policy would only be issued subject to a satisfactory inspection and submission of the required documents.

No paperwork is required to buy your insurance policy online except for break in cases where VIR will be required and the policy would only be issued subject to a satisfactory inspection and submission of the required documents.

It can be opted in event of breakdown of the vehicle due to accident or mechanical failure.

For valid membership of recognized Automobile Associations a discount @ 5% of the Own Damage premium, subject to a maximum of Rs.200/- for a Private Car and maximum of Rs.50/- for a Motorized Two Wheeler may be allowed.

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