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Key Features of Royal Sundaram Comprehensive Car Insurance

Here are the main features of Royal Sundaram Comprehensive Car Insurance:

  • 01

    Covers Own Damage and Third-Party Liabilities

    This policy protects your own car from damage and also covers injury, death, or property damage caused to a third party.

  • 02

    Personal Accident Cover

    Royal Sundaram gives compulsory personal accident cover of up to Rs. 15 lakh for the owner-driver.

  • 03

    Easy Claim Process

    You can file claims online or through customer support and track the status easily.

  • 04

    Protection Against Many Risks

    It covers damage from accidents, theft, fire, natural disasters, riots, and other unexpected events.

  • 05

    Helpful Add-On Covers

    You can increase protection with add-ons like Zero Depreciation, Roadside Assistance, Engine Protector, Consumables Cover, Return to Invoice, and more.

  • 06

    NCB (No Claim Bonus) Benefits

    You can transfer your existing No Claim Bonus to Royal Sundaram and get discounts if you haven't made claims in previous years.

  • 07

    Cashless Repairs Across India

    Royal Sundaram has a large network of garages where you can get cashless repairs with quick service and support.

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What Does Royal Sundaram Comprehensive Car Insurance Cover and Not Cover?

 

What it Covers

  • Here are the things that a Royal Sundaram comprehensive policy usually covers:

  • Injury, death, or property damage caused to a third party

  • Accidental damage to your own car

  • Theft or total loss of your car

  • Damage caused by fire, riots, strikes, or vandalism

  • Damage from natural disasters like floods, earthquakes, cyclones, and storms

  • Personal accident cover for the owner-driver (up to Rs. 15 lakh)

  • Damage that happens while your car is being moved by road, rail, or water

What Does it not Cover

  • Here are the things that are not covered under the policy:

  • Driving without a valid driver's license

  • Accidents caused by alcohol or drugs

  • Damage that happens outside India

  • Loss due to carelessness or normal wear and tear

  • Mechanical or electrical failure without any accident

  • Using a private car for commercial work

  • Damage during racing, speed tests, or other illegal activities

  • Claims made after the policy has expired or renewed late without inspection

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