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Key Features:
  • Zero Depreciation till 7 years
  • 6-Month Repair Warranty
  • Free Pick-Up and Drop
  • Quick Claim Settlement

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  • Maruti
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Which city is your car registered in?

  • Ahmedabad
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  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?


  • I have heard about Royal Sundaram’s car shield insurance policy. What are the coverages the plan offer?

    Car shield is one of the most famous plans introduced by Royal Sundaram. It ensure absolute coverage to a car during accidents and pays for the damages too. Here’s how it comes handy:

    • Compensates for death, damage or bodily injury
    • Ensure third party coverage of up to 7.5 lacs
    • Coverage is extended for car and car parts. Accident cover can be opted as well for co-passengers upto 2 lacs
    • Overwhelming choice of add-ons are provided. No Claim Bonus, Depreciation waiver on spare parts, 100% invoice cover and so on so forth for instance

  • Does the car shield plan cover LPG/CNG kits?

    For private cars, Royal Sundaram does provide coverage for LPG and CNG kits.

  • I am interested in learning more about discounts offered by Royal Sundaram. Are there any?

    Totally, Royal Sundaram bring plenty of benefits and discounts on board. If you are a member of the Automobile Association, you are certainly entitled to a discount. Added discounts are also provided on vintage cars.

  • Why should I insure my car with a Royal Sundaram motor policy?

    The answer is why not? Royal Sundaram is definitely a top-league brand you can bank upon. It offers 24x7 cashless claim facility, break-in insurance, innumerable add-ons, roadside assistance, quick approvals on claims and other perks.

  • If I book my policy with Royal Sundaram but due to an unforseen circumstance I wish to discontinue with a claim I have registered. Can I Cancel my car insurance claim?

    Yes, it is easier than you think. To can a claim request, just write a request to the insurance company and submit it. Your claim will be cancelled in no time.

  • How to know the premium rating for my car? What are the factors Royal Sundaram consider?

    There are a couple of essential factors reckoned by the insurance company. These include:

    • Cubic capacity of the vehicle
    • Insured declared value of the vehicle
    • Age of the vehicle
    • Geographical zone.

  • It is compulsory to secure my car with a third party liability cover. Why does Royal Sundaram advocate opting for a comprehensive car insurance policy instead?

    A liability cover protects you against third party damage but a comprehensive cover secures you and your vehicle from a lot more. It pays for damages or loss in circumstances like flood, hailstorm,earthquake and any other natural calamities. That’s not it! Man-made calamities are not overlooked too. If there’s damage caused due to fire, explosion, terrorist activity or strike, it is entirely paid by the insurance company.

  • How can I make payment for my Royal Sundaram car insurance plan?

    It’s easy. Just call us on 7551196989 and your requirements will be taken care of right-away.

  • I am more interested in cashless garage service. Does Royal Sundaram provide that?

    You will certainly be thrilled to learn that Royal Sundaram has 3300+ cashless garages all across the country.

  • Can I cancel a Royal Sundaram car insurance without any trouble?

    Of-course you can. However, please remember that you will have to insure your vehicle with a third-party policy at-least elsewhere. Kindly reach out to us on 7551196989 and notify. We will do the obvious and refund the premium paid at the earliest.

Third Party

  • What if the third party property damage exceeds Rs. 7.5 lakh?

    In such a case, the difference between the total damage and claim amount has to be paid by the policyholder. However, in the case of the death of a third party, the liability cover offered by Royal Sundaram is unlimited and is paid as per the direction of a court of law.

  • On what factors do the premium of my Royal Sundaram third party liability cover depend?

    The premium of your third party liability cover depends on the cubic capacity of the vehicle.

  • What all extra covers are available with a third party car insurance policy?

    With a third party car insurance cover, you can opt for Passenger Cover, Paid Driver Cover and Personal Accident Cover.

  • Can I extend the coverage of third party car insurance?

    The coverage of Royal Sundaram third party car insurance policy cannot be extended. However, to avail the maximum coverage you can opt for the Royal Sundaram comprehensive car insurance policy. You can transfer from the third party car insurance to the comprehensive car insurance at the time of renewal.

  • How can I contact the insurer in case of any third party injury?

    You can dial the toll-free number 1800-425-0000 or visit the website of Royal Sundaram car insurance and fill up the ‘Get a call back’ section. The insurer should be informed immediately after the accident or mishap.


  • Is a comprehensive plan cost-effective?

    Yes, a comprehensive car insurance policy is highly cost-effective as it enables you to get high claim amount and that too for a number of liabilities and damages. It is a complete package that you should purchase to save yourself from paying hefty sums after an accident/loss of your insured vehicle.

  • What documents do I need to provide in order to purchase a comprehensive plan from Royal Sundaram?

    The documentation is minimal and can be done online without any need to visit a branch. You need to upload the documents such as Copy of vehicle’s Registration Certificate (RC), Place of vehicle’s usage, Previous Car Insurance Policy Number (if any), Your contact details (phone no., email id and residential address), and Nominee details.

  • Can I make a claim under Royal Sundaram Comprehensive Cover outside India?

    The coverage of the Royal Sundaram Comprehensive Cover is limited to India. However, it can be extended to the following countries like Bangladesh, Bhutan, Nepal, Sri Lanka, and the Maldives by paying an additional premium of Rs. 500. Please note that the extended claims can only be made for any mishap/damage/loss/accident occurred on roadways.

  • When is Roadside Assistance service provided by Royal Sundaram?

    Royal Sundaram provides the Road Side Assistance service for free in the event of emergencies such as the complete breakdown of your car. To get minor roadside assistance like the change of flat tyre, etc you need to purchase the Road Side Assistance add-on with your comprehensive car insurance policy.

  • How can I get the Royal Sundaram comprehensive car insurance policy?

    For the Royal Sundaram comprehensive car insurance policy follow the below-mentioned steps:

    • Visit the website of Royal Sundaram comprehensive car insurance
    • For new bikes, click on the “Insurance for New Car
    • Fill in the details.

    You can also dial the following number for availing the Royal Sundaram comprehensive car insurance policy:

    • Toll-free number- 1860-425-0000
    • New policy number- 022-50061082

Zero Depreciation

  • What is the minimum premium for the zero depreciation add-on cover?

    The minimum premium amount for Royal Sundaram zero depreciation add-on cover is Rs 100. However, the amount of exact premium depends on the type of add-on cover availed.

  • How can I buy the zero depreciation add-on cover?

    If you are a new car owner then you can purchase the add-on cover while buying the comprehensive insurance policy. However, if you have an existing insurance policy without zero depreciation cover, then you can avail the add-on while renewing your policy and get an inspection done for your vehicle.

  • What is not covered under the zero depreciation add-on cover?

    The points that are not covered under the zero depreciation add-on are Deductibles (compulsory and voluntary), Damage caused by perils, Mechanical breakdowns, Uninsured accessories and fuel kit, Claims made under the self-authorisation mode, and Theft of car parts/accessories.

  • Who should opt for the Zero Depreciation Cover?

    Any car owner should opt for the Zero Depreciation add-on to avoid the depreciation charge and the expense of repairing or replacing car parts. However, it is best suited for luxury car owners and new drivers.

  • Does the Zero Depreciation cover provide for plastic parts of cars?

    Yes, the Zero Depreciation provides coverage for the plastic parts of the insured car. The rate of depreciation for plastic parts without the Zero Depreciation charge is 50%. But with the Zero Depreciation cover, the charges become nil.


  • How can I locate the nearest network garage for cashless claim settlement?

    Royal Sundaram has a network of more than 3,300 cashless garages. You can locate the nearest garage on Royal Sundaram’s website by providing your State, City and Car manufacturer’s name.

  • How much do I need to pay during claim settlement?

    In case of cashless claim settlement, you need to pay only your part of liability such as voluntary and involuntary deductible, depreciation cost (if you haven’t availed zero depreciation add-on cover) and the difference between the repair cost and the Insured Sum. On the other hand, in case of reimbursement claim settlement, you need to pay the entire cost of repairs at the garage but the company will reimburse you with its part of liabilities as soon as possible.

  • What if someone else was driving my car when the accident occurred?

    If someone else such as a hired driver or anyone has committed an accident while driving your car, you will still be entitled to file a claim. This is because a car insurance policy insures a car and not the driver.

  • How can I get higher claim amounts?

    You can entitle yourself for higher claim amounts by purchase add-on covers such as Zero Depreciation, Engine Protection, etc. These add-ons extend the coverage of your comprehensive policy thereby reducing your liability.

  • How can I get in touch with the Emergency Assistant of Royal Sundaram General Insurance?

    You can get in touch with the Emergency Assistant of Royal Sundaram by dialling 1860-425-0000.


  • Can I make changes in my policy details at the time of renewal?

    You can only add and subtract add-ons and optional covers while renewing your car insurance policy. However, you need to file an endorsement in order to change other policy details.

  • Are there separate renewal processes for third party and comprehensive policy?

    No, both the types of insurance policies can be renewed from the same portal of the company’s official website. The difference is in renewal fees, which you can see while renewing the policy.

  • How can I keep track of all my renewal transactions with Royal Sundaram?

    Visit the login page of Royal Sundaram and enter your login ID and password. All your transaction details will be displayed on the next page.

  • I have lost my policy documents and my policy is going to expire. How can I renew?

    Check your email and message inbox for the policy number and the expiry date as Royal Sundaram's ‘Insta Renewal’ process requires only these two details. Also, submit an application with your previous insurer to get a duplicate copy of your insurance policy for a nominal fee.

  • What documents are required to renew the Royal Sundaram car Insurance policy online?

    The renewal of Royal Sundaram car insurance policy does not involve any paperwork. You just need to provide the policy number of your existing policy and the expiry date.

Premium Calculator

  • What is the purpose of using the car insurance premium calculator?

    The car insurance premium calculator is meant to assist you in finding the accurate premium amount for your car insurance policy, find the right IDV of your car, and choosing a reasonable insurance plan by making wiser decisions about the car insurance policy.

  • What details do I need to enter in the premium calculator?

    You need to enter details like make and model of your car, RTO location of your car, registration year of your car, etc, to find the right premium offer by the insurance companies for car insurance plans.

  • What are the factors that determine the premium of a car insurance?

    There are many factors which affect the premium of a car insurance plan like City of Registration, Insured Declared Value (IDV), Engine’s Cubic Capacity, Anti-Theft Devices, Age of the Owner, No Claim Bonus (NCB), and so on.

  • Where can I find the premium calculator to use it?

    You can get the best premium calculator to calculate the premium and IDV for your insurance policy at the website of InsuranceDekho, i.e.,

  • Does the premium calculator compute the premium for my old car?

    Yes, the premium calculator is framed to get you the premium amount offered by different insurance companies for new as well as old or used cars.

Add On

  • Which add-on covers are available with Royal Sundaram car insurance plans?

    The Royal Sundaram provides a range of car insurance add-on cover such as Depreciation Waiver Cover, Windshield Glass Cover, Full Invoice Price Insurance Cover, Loss of Baggage Cover, NCB Protector Cover, Key Replacement Cover, Tyre Cover and so on.

  • Is it mandatory to include an add-on cover in the car insurance plan?

    No, to add an add-on cover in your car insurance plan is not a compulsion, but, an optional benefit that can be availed to expand the coverage of your insurance policy.

  • How much money should I pay to add the add-on cover in my insurance plans?

    You can find different add-on plans at different prices. However, you are required to pay for the add-on covers as per their costs specified in the policy document or online purchase portal of the insurance company.

  • When can I purchase the Royal Sundaram car insurance add-on covers?

    You can purchase the car insurance add-on covers either at the time of car insurance policy purchase or during the car insurance policy renewal procedure.

  • How many add-on covers can I add in my car insurance plan at a time?

    There is no limit to include add-on covers in your car insurance plan and you can add any number of add-on covers to the insurance cover at a time.

Own Damage

  • What is Royal Sundaram Own Damage Insurance Plan?

    Royal Sundaram own damage insurance is a type of motor insurance plan offered to the policyholders in order to help them in protecting their own car from the damage or loss incurred because of theft, accident, or any mishap, etc. The cost incurred for repair of damages to the insured vehicle is given to the policyholder by Royal Sundaram general insurance company.

  • Is it necessary to purchase an own damage insurance plan for my car?

    No, it is not necessary to buy an own damage insurance plan for your car. However, as per the Indian Motor Tariff Act, a standard third party liability insurance plan for your car is compulsory in order to ply on the public roads in India without attracting any fines or penalty upon getting caught during checking by the traffic police.

  • How does premium calculation for my Royal Sundaram own damage insurance plan takes place?

    The premium calculation for your Royal Sundaram own damage insurance plan is dependent upon various factors like geographical zone, make of the car, type of vehicle, model of the car, insured declared value of the car, Cubic capacity of your car’s engine, etc.

  • How can I reduce the premium of my Royal Sundaram own damage insurance plan?

    You can reduce the premium of your Royal Sundaram own damage insurance plan by doing the following:

    • Increase the amount of voluntary deductibles to reduce the amount of your own-damage premium.
    • Ensure that you have transferred your No Claim Bonus to your existing insurance plan.
    • Make sure that you declare the correct Insured Declared Value of your car.

  • What is an Own damage premium?

    The cost that the policyholder is supposed to pay in order to get an own damage insurance is known as own damage premium. The price paid for premium is generally calculated depending upon the vehicle type, its age, engine cc, and the area in which you are using it.

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