Royal Sundaram Motor Insurance

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:

  • - 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.

 4.0 / 5.0   by 142 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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Royal Sundaram Motor Insurance Reviews

Page 1 of 8 1 2 3 4 5
  • Royal Sundaram Car Insurance
    "Money waste policy"
    0.5 1.0/5 "Really Bad"
    I have taken my car insurance from Royal Sundaram at earlier but I'm not satisfied with their services. When i applied for my claim, they have taken most of the part and they didn't provide the cashless claim in their garages. Quality of service is not that much good. I bought the policy through online. They didn't promised their word.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • Royal Sundaram
    Royal Sundaram Car Insurance
    " Worst choice to take a policy from Royal Sundaram"
    0.5 0.5/5 "Unacceptable"
    Worst Insurance company. They give there 100% best to reject your insurance claim. we need to pay policy to just waste our money and get our vehicle repaired by paying our money. there customer service and grievance cell is worst than all. customer service number doesn't works at all. It's worst choice to take a policy from Royal Sundaram.
    Was this review helpful? 3
    , hyderabad
    Reviewed on Oct 16, 2019
  • 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? 1
    , hyderabad
    Reviewed on Oct 13, 2019
  • 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? 1
    , 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? 1
    , 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
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