Add-ons Offered By Royal Sundaram Car Insurance

• Zero Depreciation (Zero Dep) Cover

  When your car parts get old, their value goes down. Normally, the insurance company subtracts this “depreciation amount” from your claim. But with Zero Depreciation Cover, you get the full amount for the damaged parts without any deductions.

  This means:

  You do not have to pay for the reduced value of old parts.You receive a much higher claim amount.It is very helpful if your car is new or expensive.

• Engine Protection Cover

  Driving through waterlogged roads during rainy seasons can badly damage your car’s engine, which is expensive to repair. This add-on protects the engine from problems caused by water entering the engine, which is common in many cities.

  With this cover, you can feel safe driving through wet or flooded areas, knowing that your engine is protected financially.

• Key Replacement Cover

  Modern car keys can be very costly, especially smart keys or remote keys for high-end cars. This cover pays for the repair or replacement of your car key if it gets lost, stolen, or damaged. It is especially useful because:

  With this cover, you can feel safe driving through wet or flooded areas, knowing that your engine is protected financially.

  Replacement keys for premium cars can cost thousands of rupees.It saves you from sudden, unexpected expenses.

• Windshield Glass Cover

  Your windshield can easily crack or break from small stones, accidents, or sudden hits. This cover pays for the repair or replacement of your windshield glass. The best part is:

  Your No-Claim Bonus (NCB) stays safe even if you make a windshield claim.You don’t lose your discount at renewal.You save money on both repairs and future premiums.

• Loss of Baggage Cover

  Sometimes personal bags, laptops, or items kept in the car may get lost or stolen. With this add-on, you can claim compensation for your lost items. Benefits include:

  You don’t have to worry about paying for the lost items yourself.Your NCB remains safe, even if you make a claim.It is useful for people who travel with valuable belongings.

• Roadside Assistance

  If your car suddenly stops working while you are on the road, it can be scary and stressful. This add-on gives you instant help whenever your car breaks down. With this add-on, you never have to worry about being stuck alone on the road. It includes:

  Towing serviceMinor repairs on the spotMechanic assistanceFuel delivery (in some cases)Battery jump-start

• Spare Car Cover

  If your car needs repairs and stays in the garage for more than one day, this add-on helps you manage your travel. This is helpful for people who use their car every day and cannot manage without it. You get:

  A daily allowance to cover your travel costsOr, in some cases, a spare car provided by the insurer (depending on your agreement)

• Smart Save

  This add-on helps you save more money on your No Claim Bonus (NCB). If you get your car repaired at any Royal Sundaram partner garage, you receive an extra discount on your next premium. Benefits include:

  Lower premium costTrusted and high-quality garage serviceFaster and smoother repair process

• Voluntary Deductible

  A deductible is the small part of the claim amount that you agree to pay yourself. If you choose a voluntary deductible, you agree to pay a fixed amount for every claim. In return, you get:

  15% to 35% discount on your premiumLower insurance costs every yearThis add-on is useful for people who do not expect to make many claims and want to reduce their premiums.

Documents Needed to Buy Royal Sundaram Car Insurance

• To buy Royal Sundaram car insurance, you only need a few simple documents. Keep these ready:Your car detailsYour personal detailsNominee details (the person who will receive benefits if something happens to you)Any ID proof, like a PAN card, Aadhaar card, or passportYour car’s documentsOne passport-size photo for KYC

How to Buy Royal Sundaram Car Insurance from the Square Insurance Website?

• You can buy Royal Sundaram car insurance online very easily. Just follow these simple steps:Go to the Square Insurance website.Enter your car’s registration number.If your car is new and not registered yet, click on “Got a New Car.”Fill in your car details like the brand, model, fuel type, and registration date.Complete the registration form and click Next.You will now see different car insurance plans. Choose the one that suits you best.If you want extra protection, you can select Add-on Covers.Make the payment online using a debit card, credit card, UPI, or net banking.After payment, you will get your policy document by email from Royal Sundaram Insurance.