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

Royal Sundaram Car Insurance Claim Process

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In today's times, with the rising instances of road rage and ever increasing traffic congestion, car insurance has become a necessity. For those of you looking for a comprehensive car insurance policy, the choice is abundant. However, when it comes to leading car insurance plans, one of the most popular is offered by Royal Sundaram.

Royal Sundaram, one of India’s leading general insurance companies, offers one of the most well-rounded car insurance plans to protect you and your vehicle from any risk of damage. Their policy comes with a host of unique benefits like unlimited liability for third party injury/death claims, personal accident cover for the vehicle owner and your passengers, free roadside assistance kit, among others.

Talking about car insurance, one of the most important aspects to consider while choosing a car insurance policy is the claim process. Now, having to deal with an automobile accident is distressing in itself. In this case, an insurance policy should work to alleviate your stress, not add to it. Keeping that very thought in mind, Royal Sundaram has devised a swift and hassle free claim registering process, so that you can recover your peace of mind.

Royal Sundaram Car Insurance Claim Process

In order to register your insurance claim with Royal Sundaram, you must take the following steps:

  • In case an incident has occurred which leads to a claim, immediately contact your insurance company and inform them about the same. You can contact the company’s helpline via telephone, or email. Their toll free number is 1860 425 0000. Alternately you can also write in at customer.services@royalsundaram.in and the company’s insurance representative will get in touch with you to guide you through the claim filing process.
  • In addition to informing the company, you must also intimate the company with the particulars of your car insurance policy for speedier action.
  • Ensure that you damaged vehicle remains un-repaired or un-touched before a company’s surveyor has taken a look and assessed the damage of the vehicle.
  • A survey of your vehicle will be arranged as soon as the company has received an intimation about the claim and a detailed estimate of the cost of repairs from the concerned repairer.
  • The policy holder must submit their original Driving License and the vehicle’s Certificate of Registration, which shall be returned after being verified.
  • You must submit a duly completed and signed Claim Form to the Surveyor or Repairer. For Vehicles under the ownership of a company, the claim form must be affixed with the company’s seal and an authorized person’s signature.
  • In case a third party property/ injury or death is involved, an FIR (First Instance Report) must be filed.
  • Depending on the nature and requirement of the claim, the insurance company may ask for any additional documents / clarification/ information.
  • You may avail the cashless facility, once you have submitted all the required documents for the same.
  • Following the completion of repairs, the vehicle must be presented to the surveyors for re-inspection.
  • In order to process the claim, the original bill and the Original bill along with the Satisfaction voucher for cashless claims must be presented.
  • In case of a Reimbursement claim, the cash receipt, along with the original invoice or bill must be submitted.

Documents To Be Submitted

You are required to submit the following documents to initiate the process of registering a claim.

  1. Your contact numbers
  2. Your Royal Sundaram Car Insurance Policy Number
  3. Name of Insured person
  4. Time and date when the accident occurred.
  5. Vehicle number of the insured vehicle.
  6. Make and model of the vehicle.
  7. Location where the accident has taken place.
  8. A brief description about how the accident took place.
  9. Name of the person driving the vehicle.
  10. Contact details and place of the insured person (in case the person informing about the claim is not insured).

Own Damage Claim

  • In case of an accident, first arrange for medical help for any injured person. Note down the particulars of any other people/vehicle(s) which are involved in the accident.
  • It is essential that you inform the nearest police station of the accident in case of an injury / death / damage to third party property / theft / burglary / house break-in / damage due to riot, strike, malicious act, terrorist activity, has occurred.
  • If the accident has left the vehicle in an immovable state, ensure that the vehicle stays protected at the spot. No attempts must be made to either start the engine of drive the vehicle after the accident has taken place or has been repaired.
  • Arrangements must be made to get the vehicle towed to the nearest garage or repair shop of your preference, where the concerned person can prepare a detailed estimate of the repairs that the vehicle requires (including labor charges and a list of the parts along with their prices).
  • Do not attempt to alter or disassemble the vehicle from its current damaged state, before its condition has been assessed by a surveyor. You must also ensure that the vehicle is not missing any of its parts or accessories at any point.
  • The insurance company must be immediately informed about the accident and the consequent loss or damage caused.
  • A completed claim form must then be submitted to the insurance company for registering the claim.

Documentation Required

In case you are filing for an Own Damage Claim, you are required to furnish the following documents for verification, in addition to a set of photocopies of each of the listed document.

  1. Your vehicle’s original registration book, along with the fitness certification (in case it is a separate document).
  2. Your original driving license.
  3. Documents required for submission.
  4. A copy of the FIR.
  5. A detailed estimate of the cost of repairs.
  6. Depending on the nature of the claim, you must arrange to submit any additional document or provide any necessary clarification regarding your claim.
  7. Only after the vehicle and its damages have been assessed by a surveyor will the admission of the claim, along with the mode of settlement be decided upon.
  8. Please ensure that you provide your insurance company with the accurate and correct contact details like your telephone number, address, email IDs, on the claim form.

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

Royal Sundaram Car Insurance Claim Process 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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