Car Shield Basic Cover

Car Shield Basic Cover

Car Shield - Royal Sundaram's Comprehensive Package Policy


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. Read on to know more about this:

1. Loss or Damage to your car:


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

What is not covered?

  • 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.
2. Liability to Third Parties :


This policy covers any third party liability that might have been affected by the Insured. It includes the following coverages:

  • Legal protection for death or injury claims from third parties.
  • Legal protection for damage to third party property.
  • Legal costs and Expenses.

What is not covered?

  • Damage to your personal property.
  • Costs and expenses incurred without our prior written consent.
  • Other exclusions as per the policy terms and conditions.
3.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.

4. 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.

See how much you can save by getting an instant car insurance quote. Or feel free to call one of our dedicated insurance advisors for help on 1860 425 0000.