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Royal Sundaram Own Damage Car Insurance
Royal Sundaram General Insurance offers a standalone own-damage car insurance policy that protects your car from many types of damage. This policy gives you money for repairing your own car if something bad happens, such as theft, a road accident, vandalism, fire, explosions, natural disasters like floods or storms, or man-made disasters like riots. Unlike third-party insurance, this cover is not compulsory, but it is a smart choice because it gives your car much better protection.
Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance
| Features | Own Damage | Third Party | Comprehensive |
|---|---|---|---|
| Meaning | Covers damage to your own car only. | Covers damage or injury to others caused by your car. | Covers both damage to your own car and to others. |
| Covers Your Car? | Yes | No | Yes |
| Covers Third Party? | No | Yes | Yes |
| Covers Theft, Fire & Natural Disasters? | Yes | No | Yes |
| Personal Accident Cover | No (can be added) | Yes | Yes |
| Legal Requirement | Optional | Mandatory by law | Optional, but highly recommended |
| Add-On Covers Available | Yes | No | Yes |
| Premium Cost | Medium | Low | High (more coverage) |
| Best For | People who already have third-party cover and want protection for their own car. | People are looking for only basic legal cover. | People who want full protection for both their own car and others. |
Motor Insurance Plans By Royal Sundaram
What Does Royal Sundaram Own Damage Car Insurance Cover and Not Cover?
What it Covers
This plan protects you in these situations:
Damage to your car because of a road accident or collision
Loss or damage due to fire, explosion, or natural disasters (like floods, storms, etc.)
Theft or burglary of your car
Damage caused by riots, vandalism, or people trying to harm your car
Damage while your car is being moved by road, train, or water
Personal accident cover for the owner-driver up to Rs. 15 lakh
What Does it not Cover
The plan does not give coverage in these cases:
Driving after drinking alcohol or taking drugs
Driving without a valid driving licence
Damage or injury caused to other people or their property (third-party damage)
Normal wear and tear or mechanical problems
Damage that happens outside India
Loss because of war, nuclear risks, or illegal activities
Loss due to depreciation unless you buy the Zero Depreciation add-on
Benefits of Royal Sundaram Own Damage Car Insurance
These are the main benefits of this plan:Protects your car if it gets damaged in an accident, fire, theft, or natural disaster
Cover the total loss of the car, or if the car is completely stolen
Let you choose extra add-ons for better and wider protection
Gives you peace of mind when you are on the road
Gives financial protection if your car is damaged during riots or by vandals
Gives you a No Claim Bonus if you drive safely and do not make a claim
Covers damage that happens while the car is being transported
FAQs
It is an insurance plan that protects your own car from damage caused by accidents, fire, theft, natural disasters, and more.
No. Own Damage Insurance only covers your car. For third-party cover, you need to buy a separate Third-Party Liability policy.
No. Claims made while driving without a valid licence will not be accepted.
You can file a claim by informing Royal Sundaram through their customer care, mobile app, or website, and then following their simple claim steps.
Yes. You can choose add-ons like Zero Depreciation, Roadside Assistance, Engine Protection, and more for better coverage.