Auto Car Insurance Online
Car Shield Online
Royal Sundaram offers Car Insurance Online, a Comprehensive Package Policy designed to offer enhanced protection to you and your car. Our auto car insurance policy issuance process is simple, convenient and easy, and our claims service is quick and hassle-free. We have a world class customer service team which can be reached through our help lines.
- Key Features of Car Insurance Online
Car Insurance Online/Auto Insurance governed by the India Motor Tariff Act. The key features are:
- Protection from loss of car or damage to your car
- Unlimited Liability for Third Party death/ injury Claims
- Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs
- Speedy authorisation of repairs to get your car back on the road
- Personal Accident Cover for you, your paid driver and
the occupants in the car
- Customer Helpline to give you support and guidance when you need it
- Efficient and worry free claims service to give you peace of mind
- First Information Report is not required (Unless legally mandatory)- Extra Benefits of Car Insurance Online
- Special Model Wise Discounts on Own Damage Premium for your car
- Discount in premium up to 5% on the Own Damage Premium (or) Max of Rs.200/- for a valid Member of Automobile Association of India
- Discount in premium up to 2.5% on the Own Damage Premium (or) Max of Rs. 500/- on Installation of Anti-Theft Device in your car
- Discount of Rs. 100/- in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage
- Discount of 35% on Own Damage Premium subject to a maximum of Rs. 2,500/- on opting maximum voluntary deductible of Rs. 15,000/-
- Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal Sundaram’s Car Insurance Online Policy- Car Insurance Online Policy Coverages
a) Loss or damage to your car: This Auto Car Insurance policy cover you against any loss or damage caused to the vehicle due to the following natural and man made calamities
What is covered What is not covered - Accidental & External Damage - Wear and tear, Depreciation or any consequential loss - Fire & Explosion - Mechanical/ electrical breakdown - Riot & Strike - Damage caused by a person driving the car without a valid license - Malicious Act - Damage caused by a person driving the car under the influence of alcohol or drugs - Burglary, housebreaking/ Theft - Other exclusions as per the policy terms and conditions - Landslide - Transit - Earthquake - Storm and Flood - Terrorism
b) Liability to Third Parties (Additional Covers)What is covered What is not covered - Legal protection for death or injury claims
from third parties- Damage to your personal
property- Legal protection for damage to third party
property- Costs and expenses incurred
without our prior written
consent- Legal costs and expenses - Other exclusions as per the
policy terms and conditions
C) Personal Accident Cover to Owner/ Driver: This insurance policy provides compulsory Personal Accident Cover to the owner/ driver whilst driving the vehicle including mounting into/ dismounting from or traveling in the insured vehicle as a co–driver for Rs. 2 lakhs.- Extra Covers offered under Car Insurance Online Policy
- Personal Accident Cover to Unnamed Passengers and paid driver for a maximum of
Rs. 2 lakhs per person
- Personal Accident Benefits for you, your paid driver and occupants of your car
- Legal liability to paid driver employed in connection with the operation of insured
private car
- Legal Liability to the Employees of the Insured other than paid driver who may be
driving or travelling in the car
- Comprehensive cover for Electrical/ Electronic/ Non-Electrical Fittings in the car
- Cover for CNG Kit and Bi-Fuel System which are endorsed in the RC book
