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Royal SundaramThird PartyComprehensiveStandalone Own DamageZero DepreciationClaimRenewalPolicy DocumentCustomer Care

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.

Motor Insurance Plans By Royal Sundaram

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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