Renew in just 5 mins.
No Inspection. No Paper Work
* Subject To Underwriting
royal sundaram car insurance

Car Insurance Plans

Vehicle registration number is required. Invalid registration number.Sample: DL-01-KY-3053
Previous Insurer is required.
Previous Policy Number is required.
Old quotation number is required. Invalid quotation number.Sample: PIBLMTRPC000000000000000

Royal Sundaram Car Insurance

Royal Sundaram is a subsidiary of Sundaram Finance Group. It is the first private sector insurance company in India. Licensed by the IRDAI in 2000, it is currently headquartered in Chennai, Tamil Nadu, and is chaired by Mr. S. Viji. The company boasts over 2000 employees and is one of the most reputed insurance providers in the country.

Quick Look at Royal Sundaram Car insurance

Royal Sundaram car insurance provides wide coverage and multiple add-ons. Here’s a quick glance at its offerings:


What’s included

Third-Party CoverageYes
Incurred Claim Ratio82.15%
NCB or No Claim BonusYes
Personal Accident CoverYes
Garages Across IndiaOver 4600+

Inclusions under Royal Sundaram Car Insurance

Royal Sundaram offers comprehensive protection with a range of features. Here’s what you get when you choose car insurance with Royal Sundaram:

  • Complete loss or damage protection: Enjoy protection from loss or damage to your vehicle due to accidental acts or natural calamities.
  • Unlimited liability: Stay protected in case of claims due to third-party death or injuries.
  • Indemnity for third party property: Avail indemnity for third-party property damage up to Rs. 75 lakhs.
  • Personal accident coverage: Opt for personal accident cover for you, your paid driver, and the occupants of your car.
  • Wide network of garages: Enjoy cashless claims with our 4600+ network of garages across the country.
  • Emergency roadside assistance: Avail free-of-cost roadside assistance in case of emergencies.
  • 100% invoice cover: Claim 100% invoice price coverage.
  • Discounts: In addition to the no claim bonus, enjoy a 35% discount on its own damage premium subject to Rs. 2000 for a voluntary deductible of Rs.15,000.

What's Covered and What's Not under Royal Sundaram Car Insurance:

Royal Sundaram provides wide coverage for losses, liability, personal accidents as follows:


Not Covered

Loss of Damage to the Vehicle (Own Damage)
Losses due to accidental and external damageLosses due to wear and tear, depreciation, etc.
Losses due to fire and explosionLosses due to mechanical or electrical breakdowns
Damages due to riot and strikeDamages caused while driving without a valid driving license
Damages due to burglary, housebreaking, theftDamages caused while driving under the influence of alcohol
Damages due to malicious acts or acts of terrorismDamages caused while driving the car outside the scope of limitations to use.
Losses due to natural calamities such as earthquake, storm, landslide, flood, cyclone, etc.Expenses explicitly not covered under the policy
Liability to Third Parties
Legal claims in case of death, injury of third parties, or damage to third party propertiesDamages to own property, expenses incurred without prior written consent, expenses outside the scope of the policy
Personal Accident Cover
Expenses due to accident for the vehicle owner, driver, and occupants up to Rs. 15 lakhs

Add-On Coverage

In addition to the basic coverage, Royal Sundaram offers a range of add-ons for enhanced protection of your vehicle, as listed below:

Depreciated Waiver Cover

Avail depreciation waiver on metal and plastic parts in cases of the partial claim. This allows you to get a full claim without any deduction for the depreciation on replaced parts.
-- Inclusions: 
All plastic and metal parts with depreciation.
Full compensation for the amount of all parts that require replacement.
-- Exclusions: 
Amount of total deductible as mentioned
Damages due to mechanical breakdown
Damaged for uninsured items such as accessories and bi-fuel/gas kit
Losses due to the theft of car parts or accessories
Claims under Self Authorization mode

Windshield Glass Cover

Get coverage for damage to the windscreen glass (front and rear) in case of an accident. This will not affect your No Claim Bonus as the damage will not be counted under Own Damage claim.
-- Inclusions:
Windshield Glass breaks without damage to the car
First Claims for replacement of windshield glass
-- Exclusions:
Consequent claims for replacement of windshield glass, if any Amount of total deductible as mentioned
Manufacturing defects
Depreciation on parts
Other claims or expenses as prohibited under the policy or add-on

Voluntary Deductible Cover

You can save up to 15-30% on your own damage premium by raising a claim and voluntarily paying for it. In this case, the insurer will pay the claim amount only for damages that are in excess of this limit of voluntary deductible.

Full Invoice Price Insurance Cover

Get full reimbursement on the invoice amount of the care in case of losses or damage.
-- Inclusions: 
An Amount equivalent to 100% of the list price
-- Exclusions: 
Amount of total deductible as mentioned
Not applicable for cars over 3 years old

Loss of Baggage Cover

Reimburse losses of baggage in the vehicle without affecting the NCB.
-- Inclusions:
Coverage for baggage destroyed in an accident or theft
Coverage for contents of the baggage so destroyed including shoes, belts, clothes, etc.
-- Exclusions:
Amount of total deductible as mentioned
Electronic devices, including mobile phones
Money and debit/credit cards, vouchers, etc.
Jewelry and Accessories such as watches
Business goods
Consumable or perishable goods
Damages to clothes that were worn at the time of accident
Damages caused due to insects, termites, etc.

Spare Car Cover

Avail daily car allowance for the period when the insured vehicle is being repaired or is at the garage for over one day.
-- Inclusions: 
Daily car allowance as mentioned above only once during the package policy year
-- Exclusions:
Claims for vehicles that are more than 3 years old

NCB Protector

Avail 20 to 50% discounts for No Claim history with the help of this add-on. It allows you to negate small claims during the policy tenure and thereby claim NCB at the time of renewal.
-- Inclusions:
  Negation of first two claims during the policy duration
-- Exclusions:
NCB protection offered only if policy is renewed within 90 days of expiry
Self-Authorization claims not covered

Key Replacement Cover

Get coverage for loss and replacement of keys to the insured vehicle, including labor costs.
-- Inclusions:
Expenses incurred in case of stolen key, lock, and lockset during theft
Transportation costs for traveling to the nearest garage
-- Exclusions:
No Coverage for over 2 replacements during the policy period
No Coverage in case no FIR is lodged in claims under theft and if duplicate keys are not deposited.

Tire Cover

Cover damages to tyres and tubes without the vehicle meeting with an accident under this add-on.

Lifetime Road Tax Clause

Add the Lifetime road tax under the policy cover. In case of theft or loss of the vehicle, receive the unexpired portion of road tax in addition to the amount receivable for the loss/damage to the car.

Aggravation Cover Clause

Cover expenses for damage to your car's engine due to heavy rain, waterlogging, etc.
-- Inclusions:
Coverage for damage to engine, gearbox, transmission, power steering pump due to leakage or water ingression
-- Exclusions:
Coverage for damages to engine parts other than those mentioned above
Coverage for damages due to wear and tear, depreciation
Coverage for losses falling under manufacturer's warranty

Enhanced PA Cover

Avail an extension for personal accident coverage up to Rs. 50 lakhs.

Vehicle Replacement Value Plus Clause

Insure your new vehicle for 100% of the list price plus other charges such as road tax, registration charges and insurance costs.

Benefits of Online Application & Renewal of Royal Sundaram Car Insurance

Buying insurance is no longer a cumbersome process. You can browse several plans online and make the right pick while enjoying the following additional benefits:

  • Time Saving: You are no longer required to make visits to the insurance company’s office. Purchase or renew car insurance online within minutes.
  • Minimum Documents: The need to procure hard copies is now done away with. Attach the soft copies of the required documentation online and secure the best car insurance plan.
  • Flexible Payments: Pay for the chosen car insurance plan online via your preferred mode of payment such as debit/credit cards, e-wallets, and net banking.
  • Online Assistance: In case of any queries, reach out to 24/7 customer assistance via chat or phone.
  • Special Discounts: Enjoy special discounts on the purchase or renewal of car insurance online.

How to Apply/Renew Royal Sundaram Car Insurance online?

Apply for car insurance or renew it online without hassles by following the below mentioned steps:

Via Probus Insurance

Step 1

Log on to the Probus website and click on Apply/Renew car insurance, as applicable.

Step 2

Select the Insurer of your choice.

Step 3

Enter the requisite details such as your city, car model, variant, year of registration, details of previous insurer, etc. in case of fresh insurance.

Step 4

Supplement the above information with additional details in case while renewing the policy.

Step 5

Compare plans from varied insurance providers and pick one of your choices.

Step 6

Select NCB (in case of renewal) and add-ons, if required and applicable.

Step 7

Verify the information entered by you before proceeding.

Step 8

Make the payment online via the secure payment gateway.

Step 9

Receive the policy document in your inbox within minutes.

Via Royal Sundaram Website

Step 1

Visit the company website and visit the car insurance section.

Step 2

Select ‘Other Company Renewal, ‘Insurance for New Car', or ‘Renew Royal Sundaram Policy', as applicable.

Step 3

Enter details that pop-up on the screen such as car number, mobile number, name, email id, manufacturing year, etc.

Step 4

Enter Policy number and expiry date in case of policy renewal.

Step 5

Select No Claim Bonus and add-ons, as required and applicable.

Step 6

Review the details filled before proceeding.

Step 7

Make the payment online via the secure payment gateway.

Step 8

Receive your policy via email within minutes.

Claiming insurance need not be a lengthy procedure. Follow the steps below in case your car is in an accident or is damaged:

  • Reach out to Royal Sundaram via the customer service helpline immediately.
  • Keep in hand details such as policy number, contact number, etc.
  • Do not repair or dismantle the vehicle before it is examined by an official surveyor.
  • After providing details of the incident, a surveyor will be assigned to inspect the vehicle and site of damage.
  • Provide requisite details to the surveyor.
  • Fill the claim form with updated Aadhar and PAN card details.
  • Attach copies of certificate of registration, valid driving license, and FIR.
  • Attach a copy of the PAN Card along with a recent passport size photograph in case the claim amount exceeds Rs. 1,00,000.
  • After verifying the documents and the surveyor’s report, the cashless claim facility will be initiated.
  • In case of reimbursement claims, the original bill amount will be settled after receipt of a valid invoice copy.
  • You can collect the vehicle from the garage after the completion of the above steps and payment of any additional amount.

Documents Required For The Claim Process Include

  • Copy of driving license,
  • RC book,
  • Policy Document,
  • Copy of FIR,
  • Original Repair bill or Invoice Receipt,
  • Photographs of the damaged vehicle,
  • NOC, Power of Attorney or Subrogation, Discharge Voucher in case of Theft,
  • Any other documents as required by the surveyor for the settlement of claim.

Quick Glance at Royal Sundaram Car Insurance Premiums and the Premium Calculator

Typically, several factors influence the premium amount under car insurance. These include the model and make of your vehicle, the year of purchase/manufacture, the place of registration, etc.

To calculate the amount of premium, visit the website of the insurance company and browse the section ‘Get Quote‘. Fill in the required details and get an instant quote online, depending on the type of plan chosen.

Here are some samples of car insurance premium for different car models:

Car Variant

Price of Vehicle (Rs)

IDV (Rs)

Zero Depreciation (Add-on) (Rs)

Approximate Premium Value (Rs)

Hyundai Verna S 1.5 VTVT (1497 cc)931000609188274129926
Maruti Suzuki Brezza LXi (1462 cc)734000557840181320522
Tata Tigor Revotron XE (1199 cc)575000409887164012898

Frequently Asked Questions

Break-in insurance is when the policy lapses due to non-renewal. If you have a break in your car insurance, you should –

1) Get your car re-inspected.

2) Approach another car insurance company for renewal (if it is less than 90 days from the expiry of car insurance)

3) Get a new Car insurance policy (if it is more than 90 days from the expiry of car insurance).

It can be issued at the time of purchase, mid-term or during the renewal of the policy. It is a document showing additions and amendments to the existing terms of the policy. If you require to make changes to your existing policy by purchasing more, coverage, add-ons, etc, you should get in touch with your insurance provider for the issuance of an endorsement. Changes in policy such as change of name, change of address, etc can also be brought into effect via an endorsement.

Car Insurers

Car Insurance by Models


Royal Sundaram FAQ