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Royal Sundaram Comprehensive Car Insurance

The insurance company Royal Sundaram has come up with Carshield Private Car Package Policy which is a comprehensive car insurance plan. If there is accidental damage, loss theft or even third-party liability, this insurance policy will compensate for that. The company has also introduced a bundle of add-on covers that can be availed of by the policyholder by paying an additional premium amount. A sack full of complementary services such as roadside assistance, free flat tyre benefits, etc make this policy unique and popular among the customers. One can also get free fuel delivery at the time of emergency.

What are the major highlights of the Royal Sundaram Comprehensive Car Insurance?

The important mentions are as follows.

  • If the car damages any third-party property or injures any third party, then this insurance policy will be there to provide compensation for that.
  • If the insured car meets any loss or damage incurred due to natural calamities such as floods, typhoons, earthquakes, landslides, etc. then also this car policy will offer coverage.
  • If the insured car is damaged by others by any other means then also the insured person will get compensation.
  • There can be multiple man-made hazards such as riots, strikes, terrorism, fire, vandalism, etc. If the car is damaged due to this, then there will be compensation.
  • If your car gets stolen, you do not have to worry anymore as this policy will reimburse you for that.
  • In the event of any emergencies, free roadside assistance will be there.
  • If an accident causes bodily injuries, death or permanent disability then the personal accident cover of the policy will be there to compensate you up to Rs. 15 lakhs.
  • There are certain additional covers available under this policy such as personal accident cover for passengers including the paid drivers up to Rs. 50 lakhs per person, legal liability for the paid driver, cover for the driver other than the paid one, cover for CNG Kit, and BI-Fuel System, coverage for electric and non-electric fittings, etc.

Add-on covers available with Comprehensive Car Insurance from Royal Sundaram

This policy has more than 10 add-on covers. A few mentions are as follows.

  • Voluntary deductible cover can be chosen by the policy-seeker. It is the amount that he/she decides not to claim at the time of claims for damage or loss. This enables you to take responsibility for a partial amount that has been incurred due to the repair or replacement of the damaged car.
  • The engine of the car is one of the most expensive items. Usually, a standard car insurance policy does not cover the damages to the engine. If you have this engine protection cover then you can get the compensation from the insurer.
  • If your car is stolen, the items or baggage kept in the car will be lost as well. If you have a loss of baggage cover, then you will get the compensation for the same which might include cameras, mobile phones, costly items, etc.
  • If you do not raise a claim in the policy year, then you are entitled to avail of the benefit of no claim bonus. This bonus can be from 20% to 50%. This NCB benefit helps to get a lower premium rate. For this, you cannot even have a single claim throughout the year and the policy has to be active.
  • As time passes by, the value of the car decreases due to the natural wear and tear because of the usage of the car. Therefore, at the time of claim, your insurance coverage decreases as well. But if you have zero depreciation cover then at the time of claim the necessary deductions in the name of depreciation of the parts of the car will not be there.

General Exclusions of Royal Sundaram Comprehensive Car Insurance Policy

Here are the exclusions:

  • Mechanical or electrical breakdown. Any consequential loss due to depreciation
  • Normal wear and tear of the vehicle
  • Driving without a valid driving licence. Driving under the influence of drugs or alcohol.
  • Wear and tear of consumables such as tires and tubes
  • Vehicles used other than the purpose described in the insurance policy schedule
  • Not following the terms and conditions mentioned in the policy document.
  • Any accident occurred outside the geographical area of operation.
  • Engine damage caused due to oil leakage.

Buying Process of Comprehensive Car Insurance Offered by Royal Sundaram

Here are the steps to be followed.

  • On the official website of Royal Sundaram General Insurance, look for the Products tab on the top of the homepage.
  • Select the Car Insurance option.
  • After scrolling down the page a bit, there will be the Buy Now option. Click on that.
  • Put the car registration number and the mobile number in the right place.
  • After that, click on the Get Quote option.
  • Based on the given details, the premium amount for this motor policy will be displayed.
  • Provide other details such as personal information, and credentials related to your car. Add add-on cover(s) if needed.
  • Check the details properly. If satisfied, pay the premium amount online safely.
  • Do not forget to download the policy document.

How To Renew The Comprehensive Motor Policy of Royal Sundaram?

Here are the steps.

  • On the website of Royal Sundaram General Insurance, find the renew tab on the top of the homepage.
  • Select the 4-wheeler option. Use a registered mobile number, registered email ID, registration number, or policy number for this.
  • Enter a valid mobile number to generate OTP. Put the OTP in the right place.
  • Use the car registration number or the policy number to get the renewal amount.
  • Check the details carefully. If everything is fine, pay the renewal amount, and download the document.

Claim Process of Royal Sundaram Comprehensive Car Insurance

To avail of the cashless process, one has to get admitted to a network hospital, and for reimbursement. He/she can choose any garage of his/her choice. Let’s take a look at the general motor claim process of the insurer.

  • As soon as the accident happens, inform the insurer.
  • Intimate the insurer about the details of the policy and the incident. The company will help you to find out the right claim process.
  • Get your car repaired at the network garage of the company.
  • The insurer will send a representative to inspect the vehicle. In the meantime, the car should not be damaged anymore.
  • Provide the insurer with all the required documents.
  • Once they get the documents, the cashless claim will be processed. However, you need to pay the deductible amount and your contribution to the claim.
  • You can collect the vehicle once all the due charges are paid.
  • However, for reimbursement claims, the original invoice along with the cash receipt will be required to process the payment. In this case, you will have to pay out of your pocket to get the car repaired, for which we will reimburse the amount based on the documents as per policy terms and conditions.

Frequently Asked Questions

Yes, there is. If the insured car has the vintage certificate from the Vintage and Classic Car Club of India, there will be a discount on the premium amount.

More than 5100 network garages are there under this insurer spread all over the country.

The following documents need to be submitted:
  • A duly filled and signed claim form.
  • Self-attested photocopies of the registration certificate of the car
  • Driving licence of the driver
  • FIR if necessary
  •  Any other documents, if required.

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