Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Royal Sundaram Motor Insurance

 4.0 / 5.0   by 114 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Royal Sundaram General Insurance Co. Limited has been offering unique general insurance products to families, individuals, and businesses in India over a period of 17 years. The insurance solutions provided by the company to individual customers include health, motor, home, travel, and personal accident insurance. Specialised insurance products offered by the company are engineering, fire, marine, business interruption, and liability insurance, and these are mostly taken by commercial customers.

Why Should You Buy Motor Insurance From Royal Sundaram?

The motor insurance policies from Royal Sundaram have extensive coverage to offer complete protection to your vehicle. Some of the advantages of buying motor insurance from Royal Sundaram are listed below:

  • The insurer provides roadside assistance service to policyholders. This helps in getting the much-needed assistance in the unpleasant event of a car breakdown, fuel depletion, and other such emergencies.
  • The insurance company is affiliated to more than 3,300 network garages across the country where you can avail cashless claim facility. This is a very attractive benefit, as you will not be required to pay upfront for damage repair in the unprecedented event of an accident involving your insured vehicle. The finances are settled directly between the insurer and the network garage.
  • The insurance provider offers a host of add-on covers that can be suitably purchased to amplify the coverage of your motor insurance plan.
  • It is possible to purchase motor insurance through the website of the insurance company in an efficient and hassle-free manner. The company also allows you to renew insurance through their official website.
  • Royal Sundaram has a dedicated helpline for claim-related issues/queries.
  • The insurer offers the following discounts to policyholders:
    • Automobile Association membership discount
    • Discount in third-party basic premium if the policyholder chooses lower coverage for third-party property damage
    • Voluntary deductible discount
    • No Claim Bonus
    • Discount for insurance of vintage cars

Types Of Motor Insurance From Royal Sundaram

The motor insurance products offered by Royal Sundaram are as follows:

  • Private car insurance - This insurance plan offers comprehensive coverage for private cars. Also referred to as the ‘Car Shield’ plan, it offers own-damage cover and third-party liability insurance. The private car insurance package can be enhanced by opting for add-on covers offered by the insurer. The policyholder will have to pay additional premiums for availing the benefits of add-on covers.
  • Two-wheeler insurance - This is a policy that has been configured to protect two-wheelers from accidents, fire, theft, and the like. The insurance company now offers this plan with a coverage period of 2 or 3 years. This is useful for policyholders who are looking to avoid the hassles of annual policy renewal. Another significant advantage of the plan is the fact that the NCB will not be nullified even if one claim is raised during the policy tenure. The policy will also be immune to the increase in third-party premium during the policy term. Effectively, this protects the policyholder from inflation.
  • Commercial vehicle insurance - This insurance plan offers coverage for passenger and goods carrying vehicles, cabs, tractors, trailers, cranes, etc. It offers coverage for losses to the insured vehicle and third-party liability cover. The owner-driver of the commercial vehicle is also provided personal accident cover. The insurer offers 2 add-on covers that can be chosen to supplement the coverage of this plan:
    • Depreciation waiver cover
    • Windshield glass cover

Royal Sundaram Third-Party Liability Motor Insurance Policy - Inclusions

A customer can choose to opt for a third-party liability insurance policy that offers minimal coverage to the insured vehicle. This plan does not protect the insured vehicle itself; instead it safeguards the policyholder from legal liability to a third party. The coverage under this plan is as follows:

  • Protection from third-party injuries, disabilities, or death in an accident
  • Protection from third-party property damage in an accident

Royal Sundaram Comprehensive Motor Insurance Policy - Inclusions

The package policy from Royal Sundaram offers the following coverage:

  1. Own-damage cover - This policy protects the vehicle from losses/damages due to the following incidents:
    1. External damages or accidents
    2. Explosions and fire
    3. Strikes and riots
    4. Malicious activities
    5. Theft, burglary, etc.
    6. Landslide, earthquake, flood, storm, etc.
    7. Terrorist acts
    8. In-transit damages
  2. Third-party liability cover - This insurance plan offers coverage for liabilities to a third party in an accident. The policyholder is protected for injury or death claims from a third party. Legal protection is offered for third-party property damages as well. All legal expenses/costs are covered under this insurance.
  3. Personal accident cover - This insurance plan offers personal accident cover to the owner-driver of the vehicle. This protects him/her from permanent disabilities/death in an accident involving the insured vehicle.

Royal Sundaram Motor Insurance - Exclusions

The exclusions under the motor insurance plans from Royal Sundaram are:

  • Depreciation of the vehicle
  • Consequential losses
  • Electrical or mechanical breakdown
  • Driving without being in possession of a valid license
  • Driving after being intoxicated with drugs/alcohol
  • Personal accident cover for the passengers

Royal Sundaram Motor Insurance FAQs:

  1. What is a break in insurance?

    As per the Motor Vehicles Act, 1988, all vehicle owners are supposed to buy a minimum level of insurance protection for their vehicles. This is referred to as the third-party liability insurance. If the insurance of a car lapses due to non-renewal, there is effectively a break in insurance. In case you are in such as situation, you should do the following:

    • Approach the insurer and renew the policy. You can also choose another insurance company at the time of renewal.
    • If the policy has been in lapsed status for more than 90 days, get a new insurance policy.
    • You will have to get your vehicle inspected in both the cases above.
  2. I am planning to install an LPG/CNG kit in my car. Will the Royal Sundaram motor insurance policy cover it?

    If you have a comprehensive motor insurance policy, you should inform the insurer about the change. Royal Sundaram will then attach an endorsement to your motor insurance policy to include coverage for the LPG/CNG kit.

  3. Can I cancel my policy during the policy term?

    Yes, this is possible. You will have to inform the insurer about your intention to cancel the insurance. You should ensure that there is a 7-day notice period for the same. The company will cancel the policy and refund the premium on a pro-rata basis. Cancellation is allowed as long as there are no claims under the plan.

  4. What determines my motor insurance premium?

    The insurer calculates motor insurance premium for a customer based on the following factors:

    • Insured Declared Value (IDV)
    • The vehicle’s cubic capacity
    • Geographical zone where the vehicle was registered
    • Age of the vehicle

    Royal Sundaram considers Ahmedabad, Chennai, Bangalore, Mumbai, Hyderabad, Kolkata, Pune, and New Delhi to be in Zone A. The rest of India is considered as Zone B.

  5. What are compulsory and voluntary deductibles?

    You can choose to pay a part of the claim amount by opting for the voluntary deductible facility. If you do so, you will save between 15% to 35% on your motor insurance own-damage premium.

    The compulsory deductible amount is a value that the customer will have to mandatorily pay when raising a claim. This is a fixed amount based on the engine capacity of the vehicle.

Royal Sundaram Motor Insurance Reviews

Page 1 of 6 1 2 3 4 5
  • Royal Sundaram Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance policy with Royal sundaram insurance for 1 year, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11000 for this car insurance. This policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , pune
    Reviewed on Dec 29, 2018
  • Royal Sundaram Car Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy almost two years back and the premium amount has not been too high. I had been paying the premium on a monthly basis and the payment method has been convenient as well. I had made a claim as well and the claim method has been simple.
    Was this review helpful? 3
    , bangalore
    Reviewed on Dec 20, 2018
  • Royal Sundaram Car Insurance
    "Good Product"
    0.5 4.0/5 "Great!"
    For my Maruthi car I took Royal sundaram general insurance through dealer I have approached the premium is reasonable, I don't think its a comprehensive plan. Once I had claim I met with the accident, there was a car damage, they gave 70% of claim, remaining I paid from my end.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 07, 2018
  • Royal Sundaram Car Insurance
    "Good Protection for car"
    0.5 5.0/5 "Blown Away!"
    I have taken this car policy in the month of september. I had taken additional third party cover by paying the amount of Rs. 5000, but its a comprehensive plan its a front bumper to back bumper cover. On time they done the process with best IDV value on my car policy.
    Was this review helpful? 1
    , chennai
    Reviewed on Nov 26, 2018
  • Royal Sundaram Car Insurance
    "Good protection for four wheeler"
    0.5 3.5/5 "Pretty good"
    The showroom gave the insurance I didn't interact with the insurance person I got my policy copy on time, they are providing road side assistance, In nagol they got tie many center service and they do cash less garages . Its a good protection for four wheeler
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 24, 2018
  • Royal Sundaram Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    The reason to go for Royal sundram my SBI bank have suggested this insurance company for the car policy. They gave good insured value for my car. I used my policy when I got injured then I got reimbursement by car self insurance cover. I got treatment in hospital. Earlier I paid the premium amount around 22,000 for one year.
    Was this review helpful? 1
    , pune
    Reviewed on Nov 20, 2018
  • Royal Sundaram Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    This policy covers Bumper to bumper cover and cashless garage covers. It holds zero deprecation coverage Where the representative explained the policy very well . Am satisfied with premium amount which am making . Overall am satisfied with the Royal sundaram general insurance company .
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 03, 2018
  • Royal Sundaram Car Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I am having a car insurance policy with Royal Sundaram from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage for this insurance policy.
    Was this review helpful? 2
    , chennai
    Reviewed on Sep 19, 2018
  • Royal Sundaram Car Insurance
    "Good"
    0.5 3.5/5 "Pretty good"
    I have taken my car insurance with Royal Sundaram. The policy coverage is good. The premium is on the costlier side when compared to TATA AIG and ICICI Lombard. Likewise the benefits are also not up to the mark. They are not covering electric and non electric parts and plastic as well.
    Was this review helpful? 0
    , vadodara
    Reviewed on Sep 18, 2018
  • Royal Sundaram Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance policy with Royal Sundaram from last 3 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 6000 for this insurance and they cover third party damages.
    Was this review helpful? 3
    , chennai
    Reviewed on Jul 26, 2018
  • Royal Sundaram Car Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I have insured my car with the Royal sundaram general insurance company. I would like to say that the customer service is good one too and the response is very positive with them till now, also I dont have any issues with them.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 23, 2018
  • Royal Sundaram Car Insurance
    "Pathetic policy"
    0.5 3.0/5 "Satisfactory"
    I had a pathetic claim experience with Royal sundaram car insurance policy. Process was very slow. Finally i could not claim my policy. They are very confusing terms and condition for their policy. In their own services, the process is very slow. After i had many struggles, i have claimed the policy. Even though i never got the claim what i expected. For the first premium i have paid Rs.19000. I have been using this policy for 2 years. Cashless carriage also very less.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 18, 2018
  • Royal Sundaram Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my car insured with Sundaram general insurance from last 1 year, i am happy with the coverage value of this insurance policy. My claim experience was good with this insurance and they gave road side assistance for this insurance. A premium of Rs 14500 has to be paid for this insurance and the coverage value is good.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Jun 08, 2018
  • Royal Sundaram Car Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have my car insured with Royal Sundaram from last 4 years, i am not satisfied with the coverage value of this insurance policy. I pay a premium of Rs 8500 for this insurance policy ans it has to be renewed every year. I have no claim experience so far with this insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 24, 2018
  • Royal Sundaram Car Insurance
    "Car insurance with Royal Sundaram"
    0.5 3.0/5 "Satisfactory"
    I have taken the car insurance from ROYAL SUNDARAM GENERAL INSURANCE.The policy benefits include bumber to bumber,cashless garage, road assistance and accidental coverage, zero depreciation. Its a good policy for cars. I made the online payment and this policy has taken from the dealers end.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 12, 2018
  • Royal Sundaram Car Insurance
    "Average Service"
    0.5 3.0/5 "Satisfactory"
    I've been using the ROYAL SUNDARAM Car insurance for the past 2 years. I never had any claim experience with this policy. I've been paying a premium of 9000. per year and this policy do not have bumper to bumper coverage. Overall I never had any issues with the policy.
    Was this review helpful? 0
    , pune
    Reviewed on May 09, 2018
  • Royal Sundaram Car Insurance
    "ROYAL SUNDARAM car insurance"
    0.5 3.0/5 "Satisfactory"
    From ROYAL SUNDARAM GENERAL INSURANCE i have taken a car insurance and the premium amount is 9500 yearly. Its not a comprehensive plan.My car is more than 4 years. So we can only claim for 50%. Once i claim up to 20000 and i had to pay around 8000.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 23, 2018
  • Royal Sundaram Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with Royal Sundaram from last 10 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 7000 for this insurance. My claim experience was very good and they covered bumper to bumper damages. I am happy with the coverage of this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 14, 2018
  • Royal Sundaram Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with Royal Sundaram from last 10 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 7000 for this insurance. My claim experience was very good and they covered bumper to bumper damages. I am happy with the coverage of this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 14, 2018
  • Royal Sundaram Car Insurance
    "Car insurance"
    0.5 0.5/5 "Unacceptable"
    it's a worst company and doesn't have more cashless garages. If you are go for claims they will reject with n number of reasons.my policy no.VPN0061799000100. It's fake company and giving fake ads. So, I am requesting everyone do not go for this worst insurance company.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 08, 2018
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