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Royal Sundaram Auto Insurance

Life is full of uncertainties and unexpected events. Your life and your property are of utmost importance and to make sure that all is safe, it’s always advisable to keep options open for financial backing. The Royal Sundaram’s ‘Car Shield’ auto insurance policy provides you security and protects you from unwanted accidental damages. Along with this, it provides you coverage for any kind of legal liability including injury, death or property damage to third party.

Things covered by the Royal Sundaram Car Shield

The Royal Sundaram auto , in case of an accident. You are provided with Optional Personal Accidental cover of up to Rs. 2 lakh for co-passengers. Loss or damage to your vehicle caused by fire, theft, flood, famines etc. are also covered under the insurance policy. The Car shield allows you to choose from several add on offers including depreciation waiver on metal or plastic parts in case of partial or minor damage. Replace your windshield glass without affecting your No Claim Bonus.

Why choose the Royal Sundaram ‘Car Shield’ auto insurance

Free inspection – In case of a break in insurance claim, free of cost vehicle inspection is arranged

Cashless Claims – Avail network garages or workshops all over India dedicated to cashless claims

Roadside assistance – The roadside assistance team is available 24X7 for providing maximum help to the customers. This is of great benefit as this helps you when your car breaks down in the middle of the road

Customer Care – The customer care department of Royal Sundaram is highly trained and is ever-ready to provide maximum service to the customers, 24X7

Personal Care – In case of any damage to your vehicle, the relationship manager guides you through the claims process

Speedy authorization – The authorization for the repairs that your vehicle needs are rolled out promptly

Key features of Royal Sundaram’s Car Shield

Avail protection from loss or theft of your car and claim insurance in case there are damages caused by fire, flood or any other natural calamity. Royal Sundaram auto insurance takes care of legal liabilities when there is third party death, injury or property damage. A third party death or injury claim is covered with unlimited liability and a third party property damage is covered up to Rs 7.5 lakh. Enjoy life insurance for yourself and the co-passengers.

Benefits of Car Shield

Being a member of the Automobile Association of India, you can avail up to 5 per cent discount on Own Damage Premium. Avail discount of Rs. 100 in third party basic premium on decrease in limits of liability for third party property damage. Transfer NCB (No Claim Bonus) from other insurance companies to Royal Sundaram online.

Royal Sundaram Auto Insurance FAQs

What is third party?

People not associated with you or your family are considered to be third party.

Why do I need Royal Sundaram auto insurance?

Auto insurance protects your car from all sorts of damages and also insures your life along with the co-passengers’ life. It has been made mandatory by the Government under the Motor Vehicle Act.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

 4.0 / 5.0   by 140 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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Royal Sundaram Auto Insurance Reviews

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  • Royal Sundaram Car Insurance
    "Very Nice Policy"
    0.5 5.0/5 "Blown Away!"
    For my car insurance, i'm paying the premium amount of Rs. 10000 every month. I took the car insurance from Royal Sundaram because the car taken showroom members have given this policy. The policy covered with bumper to bumper facility.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Oct 13, 2019
  • Royal Sundaram
    Royal Sundaram Car Insurance
    "Traditional Insurance Policy"
    0.5 5.0/5 "Blown Away!"
    I don't have online option to renew the car policy with Royal Sundaram, every time I need to visit to the dealer place this process is not convenient. But the cost is reasonable, last year I paid around Rs.12,000 for one year I took zero depreciation bumper to bumper plan which has good insured value however I don't think so they have no claim bonus feature.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 25, 2019
  • Royal Sundaram Car Insurance
    "Useful Policy"
    0.5 5.0/5 "Blown Away!"
    My agency people where i took the car, they have proposed the policy from Royal Sundaram. I paid the premium amount of Rs. 13K nearly. My claim experience is very good and they have processed the claim within 1 day and its a 100% covered policy and i didn't pay anything from my pocket.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 18, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with ROYAL SUNDARAM GENERAL INSURANCE and using from lat few years also i had claim experience and i got claim of 90% with the policy. The policy coverage is for basic also the intimation given regarding the policy expirey date.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 30, 2019
  • Royal Sundaram Car Insurance
    "Good claim experience"
    0.5 4.0/5 "Great!"
    I do have car insurance, I faced self accident claim due to the parking. The car part got repaired because I took zero depreciation from the authorized dealer. The policy cost is reasonable for the amount of Rs. 14, 000 for one year. I have 2016 model car.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 28, 2019
  • Royal Sundaram Car Insurance
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    Till now i did not get any complaints from Royal Sundaram car insurance. Its a zero depreciation policy and i have paid the premium amount of Rs. 15000. They are providing the facility road side assistance, no claim bonus. Their customer care service is not that much good.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jun 27, 2019
  • Royal Sundaram Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am using the car insurance policy with ROYAL SUNDARAM GENERAL INSURANCE where using the policy from last 4 years also the policy coverage is for bumper to bumper added on that the premium paid was nominal and IDV value gives based upon age of the car. There was road side assistance.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 23, 2019
  • Royal Sundaram Car Insurance
    "BELOW AVERAGE"
    0.5 3.0/5 "Satisfactory"
    I have taken the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE where i am using it since from last 1.5 years where i had claim and applied for the claim where the customer support has not responded to get the loan. The premium paying was 29k for the bumper to bumper coverage.
    Was this review helpful? 1
    , hyderabad
    Reviewed on May 28, 2019
  • Royal Sundaram Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I took Royal sundaram car policy for my alto car, I had a claim when my car side door got damaged, at the time I paid got the reimbursement of 60% within two weeks of time, the premium was reasonable. I serviced my car in Maruthi showroom they returned on time.
    Was this review helpful? 1
    , hyderabad
    Reviewed on May 28, 2019
  • Royal Sundaram Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the car insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 12 years but had no claim. The coverage of comprehensive and also the policy has the no claim bonus. The premium is little higher, IDV is good with this policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 08, 2019
  • Royal Sundaram Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I would like to give more than 5 rating for the ROYAL SUNDARAM GENERAL INSURANCE as a car insurance policy, i had a claim for 2 times which was more than 1L, within 3 months covered. The customer service is good. Coverage is for bumper to bumper not covering for tyre but covered for 50%.
    Was this review helpful? 0
    , pune
    Reviewed on Apr 19, 2019
  • Royal Sundaram Car Insurance
    "Comfortable and Claim process"
    0.5 5.0/5 "Blown Away!"
    Its easy to connect with the Royal Sundram customer support and they immediately response. Allover I am fine with the insurer. The premium cost is higher but they are providing add on benefits. I had full insurance if any theft happened they give coverage upto Rs.1500 and last week my car got damaged, they estimation amount came around Rs.5.20 lakhs right now I am in touch with them which is yet to claim. But two months back they gave me the service of cashless garages upto Rs.25,000.
    Was this review helpful? 0
    , pune
    Reviewed on Apr 15, 2019
  • Royal Sundaram Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    Even for my swift dezire car I took policy from Royal Sundaram. I would say this insurance company is my first priority because they send the reminder msg for the policies, I never interacted with the customer support but my work done through the dealer where I bought my car. The online process is hassle free for the renewal too, even the claim experience was faster and hassle free.
    Was this review helpful? 1
    , mumbai
    Reviewed on Apr 02, 2019
  • Royal Sundaram Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    Royal Sundaram customer support is good, I have zero depreciation car plan. Hence the claim is quicker, there was no hassle and instead of reimbursement I got many time cash less service. For my VOLKSWAGEN car, I took policy from their end, the experience is good.
    Was this review helpful? 1
    , mumbai
    Reviewed on Apr 02, 2019
  • Royal Sundaram Car Insurance
    "Need improvement on the customer care and premium"
    0.5 3.0/5 "Satisfactory"
    Royal Sundaram doesn't have user friendly online customer support, whenever I had a query its hard to reach them. That is he reason I have taken car policy from other insurance company, the premium is little higher, last year I had zero depreciation policy for my Hyundai I20.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Apr 01, 2019
  • Royal Sundaram Car Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and i had been paying the premium on an annual basis. The premium amount of 23,000 has been quite okay and is not too high. The payment method has been simple and there has not been any hassle faced so far. I had not made any claims so far. There has not been any issues faced with the services of them so far.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 01, 2019
  • Royal Sundaram Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    For the past three years i am using the royal sundaram Car insurance , i had not gone for any claim till now and there is no issue in my vehicle . I feel okay with the royal sundaram client service .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 19, 2019
  • Royal Sundaram Car Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    I had taken this insurance policy a while back and the experience with them has not been that good. For making the claim it had taken almost 20 days which was not good and it was not convenient. The services of then has to be improved and their customer care has to be improved and the staffs should be more responsible.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 13, 2019
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