Bike, Car, Travel & Home Insurance Online - Royal Sundaram

Understand the claim process

Follow this process for Hassle-Free and smooth claims


Step 1

Call Us First

Call us in our toll free number 1800-568-9999


Step 2


The garage will connect with us to conduct Two-Wheeler inspection.


Step 3


Royal Sundaram will keep you informed about the status of your claim.


Step 4


Processing of the claim will be carried out as per the terms & conditions.

A step-by-step guide to file a bike insurance claim

Step 1

Intimate Claim

Call 1800-568-9999 or intimate claim online.

Step 2


Inspection of your two- wheeler to assess the damage.

Step 3

Claim Approved

We will approve your claim and keep you updated.

Documents checklist

Here’s an simple documents you may need to make a claim. Company may require other documents depending upon the claim type.

Documents checklist

Required Documents

  • Claim form
  • Vehicle Registration Certificate (RC)
  • Driving License
  • KYC Document

What is included and excluded in Royal Sundaram's insurance policy?


Losses and damages that could occur as a result of an accident or collision.


Covers accidental fire damages to your two-wheeler.


Covers stolen two-wheeler losses.

Third party losses

When your bike causes harm or damage to a person, vehicle, or property.

Natural disaster

Damage to your two-wheeler due to Nature’s fury - floods, cyclones, etc.

Personal accident

Provides coverage for your expenses in situations where you have sustained significant injuries.

Riding without Driving license

Accidents that occur while riding without a valid license may be covered.

Drunk riding

Damages resulting from riding under the influence of alcohol or drugs are not covered.

Speed testing and racing

Damages caused due to speed testing or organized racing are not covered.

Damage to your personal property

Damages to your personal property are not covered incase of Third Party Insurance.

Wear and tear

Usual wear and tear or maintenance is not covered.

Consequential loss

Losses due to indirect results of an accident are not covered.

Hire and reward

Insurance relating to use for hire and reward shall not apply to use in connection with insured's bussiness or occupation

Why file and manage claims online?


File and manage claims online for ultimate convenience from the comfort of your home or on the go.

Track claim online

Monitor Progress, receive updates and stay informed effortlessly

Upload documents Online

Effortlessly upload documents online for a seamless and convenient process

7400+ network garages across India

Find your nearest cashless garage

Bike Insurance Starting from ₹538


FAQs on two-wheeler insurance claims

We have answers

Two wheeler insurance is an insurance policy required to provide protection to your two wheeler against any damage which might result into a financial loss. In addition to it, any third party liability which has arisen due to the use of your two wheeler is covered under two wheeler insurance. As per the Motor Vehicle Act, it is mandatory to buy a Liability only policy without which one cannot use the vehicle on road.

A comprehensive insurance policy provides protection to your two wheeler due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.

There two types of insurance policies – comprehensive and third party liability.

There are various long term policies available as below: - For brand new two wheelers –As per Supreme Court directive, customer can choose from the mentioned options:

  • Liability only policy for a policy duration of 5 years. This policy provides coverage against third party liability in terms of death or injury or third party property damage
  • Package policy for a policy duration of 5 years. This policy provides a comprehensive cover to protect your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.
  • Bundled policy for a policy duration of 5 years. This policy provides cover to own damage for one year and 5 years for third party section.For one year old two wheeler – customer can choose from the mentioned options:
    • Package/Liability policy for upto 2 or 3 years policy duration

Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured, with a Liability Only policy at the very least.

Zero depreciation is an add-on cover and has to be purchased by paying additional premium. It offers complete coverage to your two wheeler without factoring into depreciation. For instance, if your vehicle is badly damaged, then you don’t need to pay for any depreciation charge and will be eligible for full claim amount subject to terms and conditions of the policy

You can easily renew your expired policy online. No inspection is required and you may simply buy the policy online. Once the payment is made, you will receive the policy copy.

No Claim Bonus is valid upto 90 days from the previous policy expiry date. If the policy is not renewed within 90 days, No Claim Bonus will become 0% and no benefit shall be passed on to the renewed policy.

You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc.), QR code

A bike insurance policy is valid anywhere in the country. Hence, if you change your job and shift to a new location, you can continue with the same policy. You simply have to inform us of the change.

Once you raise a request, the inspection will happen within 48 hours. Once the inspection is complete, you will receive your policy immediately.

No, you cannot do so.