Key Benefits

Key Benefits

Royal Sundaram offers Car Shield, a comprehensive package policy which covers Loss or Damage to your car, Liability to third parties and provides personal accident cover to the Owner/Driver.
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Loss or Damage Protection

Protection from loss of car or damage to your car.

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Unlimited Liablity

Unlimited Liability for Third Party death/ injury Claims.

Indemnity Icon

Indemnity for third party property

Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs.

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Personal Accident Cover

Personal Accident Cover for you, your paid driver and the occupants in the car.

Motor Insurance Get Quote Event

About Car Insurance

Why Royal Sundaram Car Insurance?

Our Car Insurance policies come with a wide range of feature

3300+ Garages List

We provide cashless claims across several garages in the country so that you don’t have to struggle with finding one during an emergency.

Free Flat Tyre Service

Free Road side Assistance

We provide roadside assistance during emergency. Please reach out to customer care for more details.

Free Emergency fuel Delivery!

100% Invoice Price

Royal Sundaram offers 100% invoice price insurance add-on cover.

Extensive Coverage with add-ons for passengers & car
Car Coverages

Coverages

Royal Sundaram offers Car Shield, a comprehensive package policy which covers Loss or Damage to your car; Liability to third parties and provides personal accident cover to the Owner/Driver. Car shield also comes with a host of discounts. 
 

Loss or Damage to Your Car

 

Liability to Third Parties

 

Personal Accident Cover to Owner/Driver

 

This Car Insurance policy covers any loss or damage caused to the vehicle due to the following natural and manmade calamities:

  • Accidental & External Damage
  • Fire & Explosion
  • Riot & Strike
  • Malicious Act
  • Burglary, housebreaking/ Theft
  • Landslide
  • Earthquake
  • Storm and Flood
  • Terrorism
  • Wear and tear, Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Damage caused by a person driving the car without a valid license.
  • Damage caused by a person driving the car under the influence of alcohol or drugs.
  • Other exclusions as per the policy terms and conditions.
Car Discount on Premium

Get a Discount on Basic Coverage Premium

You can get a discount on the basic coverage and/or choose from a range of additional covers and add-on covers to enhance your basic cover. Car Shield offers the following discounts on buying online:
If you are a member of Automobile Association of India, you can get up to 5% discount on the Own Damage Premium (or) Max of Rs.200.
Discount of Rs. 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.
Opt for voluntary deductible of Rs. 15,000 and get 35% discount on Own Damage Premium subject to a maximum of Rs. 2,500.
Car Additional Covers

Additional Cover

In addition to the Basic Coverage, Royal Sundaram's Car Shield offers some important optional coverages at minimum additional premium. These coverages are designed to enhance the level of protection offered in the basic cover. Coverages are outlined below:

Personal Accident Cover

Personal Accident Cover for Unnamed Passengers and paid driver for a maximum of Rs. 2 lakhs per person.

Legal

Legal Liability to the Employees of the Insured other than paid driver who may be driving or travelling in the car.

Legal liability for employees

Legal liability for paid driver employed for the insured car.

Comprehensive Cover

Comprehensive cover for Electrical / Electronic / Non-Electrical Fittings in the car.

CNG kit

Cover for CNG Kit and Bi-Fuel System which are endorsed in the Registration Copy (RC) book of the vehicle.

Car Add Ons

Add Ons

Car Shield comes with 11 unique add-on covers that enhance the protection offered in the standard package policy. Some of our popular add-ons include, No Claim Bonus(NCB) Protector, Depreciation Waiver on plastic or metals parts in case of partial loss or claim, Key Protector covering the cost incurred in repair/replacement of keys, including labour costs, add-on cover for your windshield glass without affecting No Claim Bonus, full invoice price cover for protection against total damage or theft.

Depreciation Waiver Cover
Windshield Glass Cover
Voluntary Deductible Cover
Full Invoice Price Insurance Cover
Loss of Baggage Cover
Spare Car Clause
NCB Protector
Key Protector Cover
Tyre Cover
Lifetime Road Tax Clause
Engine (Aggravation) Protector Coverage
Car Claims

Claims

Oh no! Has your vehicle been damaged? Worry not, we make it easy for you to make a claim

Policy percticulars

1.Inform Royal Sundaram immediately and keep the following details on hand:

  • Policy Details
  • Contact Details
  • Loss Details
No repair

2.Please refrain from dismantling or repairing the vehicle before survey is completed.

Survey

3.Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer.

FIR

4.Documents must be provided to the repairer/surveyor prior to survey.

Duly filled

5.Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.

Original Registraion

6.Registration Certificate of the vehicle along with photocopy. Original to be verified and returned.

Additional Doc

7.Driving License of the driver at the time of accident along with photocopy. Original to be verified and returned.

Cashless facility

8.FIR from police station if third party death/ injury or property damage.

Reinspection

9.If the claim amount exceeds Rs. 1,00,000, we require a copy of your PAN Card along with a recent passport photo.

Claim process letter

10.Other documents may be requested based on the requirements of the claim.

Re-imbursement

11.If all documents are found to be in order, we will arrange for cashless facility. You may collect the vehicle after completing a satisfaction voucher and paying any amount as required.

Voucher

12.For Non cashless claims (reimbursement claims), original cash bill or Invoice with cash receipt is required for settlement of claim.

Voucher

13.Vehicle may have to be produced for re-inspection, if requested by surveyor.

Car Faq

FAQs

Questions about Car Insurance? Get your answers here.
 
Car Tips

Tips

Tips for Car Insurance.

Car Insurance Guide for Second Hand Cars

A car is one of the most valuable assets you will own in your life. Whether the car is a brand new one or it is a second hand car, the liberating feeling you get being a car owner is unparalleled.

No Claim Bonus on Car Insurance - Why it is Important to Know

For many car owners, motor insurance can be troublesome, but if chosen carefully, it is actually a time saver and offers certain benefits. No-claim bonus on buying a car insurance online is like a reward offered by the insurer to the policy holder for not making claims in the past few years.

Time to Renew Car Insurance? Here is What you Should Know

Buying an insurance for your car is a smart decision. It is an annual contract that covers your vehicle from damage and you from a financial loss.

Everything you wanted to know about No Claim Bonus

When you buy a car, insuring it is the wisest action you can take. While securing your car is good, paying premium year after year may become taxing for some. That's when No Claim Bonus (NCB) comes into picture. It's one of the best benefits of car insurance. Let's learn more about it.

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Our Happy Customers

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Car Terms and Condition New

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

3 Years Private Car Liability Only Policy : IRDAN102RP0001V01201819
Bundled Private Car Long Term Policy: IRDAN102RP0005V01201819
3 Years Private Car Package Policy: IRDAN102RP0003V01201819
Car Shield UIN NO: IRDAN102P0004V02201617
3 Year Liability Only Policy
Bundled Long Term Package Policy
3 Year Package Policy
Car Shield