Royal Sundaram Own Damage Car Insurance

Royal Sundaram General Insurance offers standalone own-damage car insurance. This cover will provide the policyholder with compensation for own-damage costs in the event of a mishap. Moreover, the cover will provide this compensation in several situations including cases of theft, road accidents, vandalism, in cases of fire or explosions, natural and manmade calamities. Purchasing an own-damage cover is not obligatory like third party insurance. However, it is advisable to also purchase this cover as it provides better protection for your car.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance offers compensation for the following situations:

• Road accidents that cause damage to the car.
• Explosions or fires that damage the car.
• Total loss or theft of the car.
• Damage caused due to natural or manmade calamities such as floods.

What is Not Covered Under Royal Sundaram Standalone Own-Damage Policy?

Royal Sundaram standalone own-damage insurance does not offer compensation for the following situations:

• If the car breaks down due to an electrical or mechanical breakdown.
• If there is any mishap that involved illegal driving in any way.
• The depreciation rate of the car due to the natural wear and tear of the vehicle.
• Any mishap that occurs outside the territorial limit of India.

Following are the benefits of purchasing a standalone own-damage cover from Royal Sundaram:

• It offers a layer of protection for the car and financial stability in times of crisis for the policyholder in a variety of situations.
• The policyholder is eligible for a No Claim Bonus for every claim-free year. Moreover, the reward is cumulative reaching 50% in the fifth consecutive year.
• The insurance holder can also purchase add-on covers to further strengthen the standard car insurance policy.

How To Purchase Royal Sundaram Standalone Own-Damage Policy?

The below-mentioned steps will guide you in purchasing a standalone own-damage cover from Royal Sundaram:

Step 1: Visit the website InsuranceDekho and select the tab on the left top corner titled ‘car insurance’. A drop-down menu will appear, select ‘Standalone Own Damage’ from the options.

Step 2: In the given section provide your car’s registration number. If for some reason you do not have this information with you, enter your car’s make, model and year of registration instead.

Step 3: Provide your personal information, i.e., your name and mobile number and select the “Submit and Get Quotes’ button.

Step 4: All the standalone own-damage insurance quotes in your category will be visible on the screen. Select the one offered by Royal Sundaram General Insurance and select any add-ons of your choice.

Step 5: Make the payment for your chosen Royal Sundaram standalone own-damage insurance policy and the policy document will be sent to your registered email ID.