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About Royal Sundaram Bike Insurance

Royal Sundaram Bike Insurance helps protect your bike from damage and loss. It covers problems like accidents, theft, fire, and natural disasters. The insurance also helps you pay for bike repairs and saves you from big expenses. You can choose extra covers for better protection. The policy is easy to buy and manage, and it gives you peace of mind while riding your bike.

Key Features of Royal Sundaram Bike Insurance

Key Features Explanation
Founding Year2001
Network Garages8,500+
Personal Accident Cover Up to 15 lakhs
Customer Support24/7
Add-Ons Available
Third-Party LiabilitiesCovered

Why You Should Buy Bike Insurance with Royal Sundaram?

Choosing the right bike insurance can be confusing. Here are some simple reasons to choose Royal Sundaram:

  • 01

    It protects against damage

    Royal Sundaram bike insurance covers your bike if it gets damaged in accidents, natural disasters, or other problems.

  • 02

    It offers personal accident cover

    It gives financial help up to Rs. 15 lakh if the rider or passengers get injured in an accident.

  • 03

    It offers easy technology

    Royal Sundaram has apps like M-Inspect and M-Chatra that show all your policy and inspection details in one place.

  • 04

    It supports fast claim settlement

    Royal Sundaram is known for settling claims quickly. It has a 98.6% claim settlement ratio, so you get your money without delay.

  • 05

    It has a wide network of Cashless Garages

    Royal Sundaram has over 8,500 cashless garages. You can repair your bike without paying anything upfront; Royal Sundaram pays the garage directly.

Bike Insurance Plans By Royal Sundaram

Types of Royal Sundaram Bike Insurance

Here are the different bike insurance plans you can buy from Royal Sundaram:

  • Third Party Bike Insurance

    This is required by law in India. It covers any injury or damage caused to another person or their property by your bike. Riding without this insurance can lead to fines.

  • Standalone Own Damage Bike Insurance

    This plan only covers damage to your own bike, like accidents, fire, or theft.

  • Comprehensive Bike Insurance

    This plan covers both third-party damage and your own bike’s damage. It gives complete protection for your bike.

Available Add-Ons in Royal Sundaram Bike Insurance

Royal Sundaram’s comprehensive bike insurance offers extra add-ons to give you more protection in special situations. These add-ons help you feel safer and more secure while riding your bike. Here are the main add-ons:

  • Zero Depreciation Cover

    Normally, when your bike is damaged, the insurance company reduces the claim amount based on the depreciation of the bike parts. With Zero Depreciation cover (also known as Nil Depreciation Cover, and Bumper to Bumper cover), you get the full cost of replacing or repairing parts without any deduction. This is especially useful for new bikes or expensive parts, so you don’t have to spend extra money from your pocket.

  • Roadside Assistance Cover

    This add-on helps you if your bike breaks down during any trip. The service includes towing your bike to the nearest garage, minor repairs on the spot, refueling if you run out of fuel, jump-starting a dead battery, and other emergency support. It is like having a mechanic with you wherever you go.

  • Return to Invoice Cover

    If your bike is completely stolen, lost, or damaged beyond repair, this cover pays the full original purchase price of your bike. This includes the on-road cost, road taxes, and registration fees. With this, you can replace your bike without worrying about losing money compared to what you paid for it.

  • Engine Protect Cover

    This add-on protects your bike’s engine from serious problems like water entering the engine, oil leakage, or Hydrostatic Lock (damage caused by water entering the engine while riding through water). Engine repairs are usually expensive, so this cover saves you a lot of money and stress.

  • Personal Accident Cover for Owner Driver

    This provides financial protection in case the bike owner suffers an accident while riding. It can cover medical expenses or compensation for disability or death. It ensures you and your family are financially protected in emergencies.

  • Additional Third-Party Property Damage Cover

    This add-on increases the coverage for damage your bike might cause to other people’s property. It gives you extra security beyond the standard insurance limit and protects you from high costs in case of accidents involving third-party property.

What Does Royal Sundaram Bike Insurance Cover Not Cover?

 

What it Covers

  • Here are some situations that are covered under the Royal Sundaram bike insurance plan:

  • Accidents

    If your bike is damaged or lost in an accident, insurance helps pay for it.

  • Theft

    If your bike is stolen, the insurance helps cover the loss.

  • Fire Damage

    The damage caused by fire or explosions is covered under this insurance.

  • Natural Disasters

    Damage from floods, earthquakes, cyclones, storms, or hail is covered.

  • Man-Made Events

    Damage from riots, strikes, terrorism, or similar events is covered.

  • Damage During Transport

    If your bike is damaged while being transported by road, rail, air, water, or elevator, it is covered.

What Does it not Cover

  • Here are some situations that are not covered in your Royal Sundaram bike insurance policy:

  • Normal Wear and Tear

    It does not cover damage from regular use of the bike.

  • Mechanical or Electrical Problems

    Internal breakdowns are not covered under this insurance.

  • Improper Use

    Damage from using the bike in the wrong way or beyond its limits is not covered.

  • Indirect Losses

    Extra or indirect losses after an incident are not covered.

  • No Valid Licence

    If the rider doesn’t have a valid driving licence, damage is not covered.

  • Drunk or Drug Use

    Damage caused while riding under alcohol or drugs is not covered.

Documents Required for Buying Royal Sundaram Bike Insurance

Documents Required for Buying Royal Sundaram Bike Insurance

  • If you want to buy bike insurance from Royal Sundaram Insurance, you need to keep some documents ready. These are:Bike Registration Certificate (RC) This is proof that the bike belongs to you.Driving Licence A valid driving licence is needed to show that you can legally ride the bike.Previous Insurance Policy (if any) If your bike was insured before, keep the old policy ready.Pollution Certificate (PUC) Shows that your bike meets pollution rules.ID Proof Any government ID like Aadhaar, Passport, or Voter ID.

    • How to Buy Royal Sundaram Bike Insurance from Square Insurance?

  • Buying Royal Sundaram Bike Insurance from Square Insurance is very easy. Just follow these simple steps:Step 1: Go to the Square Insurance website: www.squareinsurance.inStep 2: Click on “Bike Insurance” in the Insurance Products section.Step 3: If your bike is new, click “Got a New Two-Wheeler.”Step 4: If your bike is old, enter your bike registration number and click “View Plans.”Step 5: Fill in your bike details like RTO, brand, model, variant, and registration year.Step 6: Compare the plans and choose the Royal Sundaram Bike Insurance plan that is best for you.

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