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Royal Sundaram General Insurance Company

Royal Sundaram General Insurance Company Overview

Royal Sundaram General Insurance Co. Limited, which was formerly known as Royal Sundaram Alliance Insurance Company Limited, is India’s first general insurance company in the private sector. It got its license in October 2000 by the Insurance Regulatory and Development Authority of India (IRDAI). The general insurance company was initially promoted as a joint venture by Sundaram Finance, which was one of the most reputed non-banking financial institutions (NBFCs) in India and other Indian Shareholders.

In February 2019, Ageas Insurance International N.V. acquired 40% equity stake in Royal Sundaram from its existing Indian Shareholders after getting required and relevant regulatory approvals. Consequent to this divestment, the stake of Sundaram Finance in our company is currently at 50%, Ageas Insurance attains 40% and the other Indian shareholders acquire the remaining 10%. The Royal Sundaram General Insurance since its inception, has been committed to providing innovative general insurance solutions to individuals, families and businesses directly as well as through its affinity partners and intermediaries.

Royal Sundaram General Insurance Company Statistics

The Royal Sundaram General Insurance Company provides Motor Insurance, Health Insurance, Personal Accident Insurance, Home Insurance and Travel Insurance to individual policyholders and provide personalised insurance products like Fire Insurance, Marine Insurance, Engineering Insurance, Liability and business interruption risks Insurance to commercial policyholders.

Royal Sundaram also provides exclusively designed insurance products to many small and medium enterprises as well as rural policyholders. The general insurance company is a pioneer in bancassurance in India which holds long-standing tie-ups with respected and trusted banks and NBFCs. Royal Sundaram is a company of more than 2,000 employees that works at 156 branches across the country. With their exceptional services, the insurance products of this general insurance company are distributed through different channels-agents, affinity partners, brokers, distribution partners, and online. Below are some impressive numbers earned by the company over the years:

Claim Settlement Ratio


Network Garages


Network Hospitals


Royal Sundaram General Insurance Company Financial

Royal Sundaram General Insurance enjoys the trust of more than 5 million customers and its authorised capital is Rs. 500 crore and its paid-up capital is Rs. 449 crore. The Gross Written Premium (GWP) of the general insurance industry during the year 2018-2019, including the stand-alone health insurers and specialised insurers, grew from 1,506 crore to Rs. 1,701 crore, with which the company managed to register a growth of 12.9%. The company achieved an improved Profit Before Tax (PBT) of Rs. 182 crore in FY 2018-2019 which was Rs. 126 crore in FY 2017-2018 marking an increase of 44% over the previous year.

Why Should You Choose Royal Sundaram General Insurance?

Royal Sundaram general insurance policies are stuffed with multiple benefits which policyholders avail from the offerings and performance of the company. Here are a few benefits of the company which makes it a great choice for insurance products for customers:

  1. Instant Renewal – When it comes to policy renewal, Royal Sundaram enables its policyholders to renew their insurance plans in just 3 easy steps online. The steps start with entering your policy number of your existing policy and its expiry date. After that, policyholders will have to review the policy details and premium amount offered to make modifications in the plan and then make the payment online.
  2. Swift Claim Process – Royal Sundaram general insurance company has designed its claim process to make filing a claim request easy and feasible for everyone and to ensure the claim settlement process is prompt and fair. To make the claim process effective the company provides the highest quality service for insurance coverage. At the company’s claim process, TPAs process the request faster than ever, surveyors make quick visits, and so on.
  3. Innovative Solutions – The general insurance company offers several innovative solutions to make the insurance process swifter and easier for its policyholders. Royal Sundaram launched M-Chatra App to enable its policyholders to organise and carry out all their insurance related activities, in an easy, fast and effective way. With this app, customers can view policy information, raise a service request, intimate claim request, locate the branches, garages, and hospitals, get the real time status for renewal and claim requests, and so on.
  4. Excellent Customer Service - Royal Sundaram believes in providing policyholders with great services and ensuring that all the raised concerns are addressed timely. Our support staff is dedicated to delivering their tasks on time and are always ready to go the extra mile to provide assistance to customers. You can call our customer care team at 1860 425 0000 or write to us at or can also connect with us at the live chat facility.
  5. Customised Product Range – The Royal Sundaram General Insurance is loaded with a huge insurance product range which includes car insurance, two-wheeler insurance, health insurance, travel insurance, home insurance, business insurance, personal accident insurance, crop insurance and commercial vehicle insurance. Such an extensive range of insurance products makes the company a one stop solution for every insurance seeker.

Awards and Achievements of Royal Sundaram General Insurance Company Limited

The Royal Sundaram General Insurance aims to offer top notch insurance products and services. This trait of the company has made it bagged various awards, and recognitions over the years. Here are some of its awards and achievements:

  • Celent Model Insurer Asia Award
  • Information week Edge Award
  • ET Award for Prompt GI Compact Category
  • Celent Recognition for Implementing a Workflow Enabled Policy
  • Celent Award for Developing an Intelligent Claims Management System

Royal Sundaram Insurance Product Portfolio

Royal Sundaram Car Insurance Policy

Royal Sundaram offers different types of car insurance covers such as third party insurance, standalone own-damage insurance and comprehensive insurance. The third party insurance gives coverage to the third party for their bodily injuries, death and property loss caused due to a collision with the insured’s bike. The standalone own-damage policy offers coverage for loss and damage sustained by your own car in an accident or mishap and the comprehensive insurance cover secures you from the loss or damage incurred by your car due to accident, natural calamities or man-made disasters, financial liabilities which you hold towards a third party and personal accident cover to the owner/driver. The comprehensive insurance plan comes with a host of discounts. The general insurance company provides you many unique add-on covers that enhance the protection offered in the standard package policy.

Royal Sundaram Bike Insurance Policy

The general insurance company offers three types of insurance covers namely third party insurance plan, standalone own-damage insurance cover, and comprehensive insurance policy. To hold a third party bike insurance cover is compulsory to be carried by every bike owner and it covers insured’s financial liabilities towards a third party. The standalone own-damage insurance policy gives coverage to your own bike for its damages and losses incurred due to accident, theft, natural calamities and man-made disasters. The comprehensive insurance covers both these aspects and gives you an overall protection for third party and own-damage expenses. The company also gives add-on covers at affordable rates to enhance your two-wheeler insurance coverage.

Royal Sundaram Commercial Vehicle Insurance Policy

The company will indemnify the insured person against loss or damage caused to the commercial vehicle and its accessories due to fire, explosion, theft, burglary, riot, strike, earthquake, flood, landslide, accidental external means, and so on, with its Commercial Vehicle Insurance Policy. The insurance policy provides coverage to Goods Carrying Vehicles, Taxies, Passenger Carrying Vehicles, Miscellaneous class of vehicles like Tractors, Cranes and Trailers, Trade Road Risk Policy, Trade Internal Risk Policy and Trade Road Transit Policy. To enhance their insurance protection the company also provides some add-on covers like depreciation waiver cover, windshield glass cover and enhanced PA cover.

Royal Sundaram Health Insurance Policy

Royal Sundaram general insurance provides cost-efficient health insurance plans with an extensive range of features and benefits to look after you and your family. The Health Insurance plans of the company are flexible and economical as they are available with multiple sum insured choices to suit your unique insurance needs. You can easily select from the basic health insurance coverage to specialist medical insurance covers which provide maternity benefits. The health insurance policies comprise of various offerings like in-patient hospitalisation, pre and post hospitalisation expenses, daycare procedures, domiciliary hospitalisation charges, preventive healthcare and wellness, ambulance charges, health check-up, AYUSH treatment, vaccinations, and so on. The health insurance plans are equipped with lifetime renewal option, Tax benefit under section 80 (D), cumulative bonus and much more.

Royal Sundaram Travel Insurance Policy

Royal Sundaram brings to you multiple travel insurance covers, which are meant to cover unforeseen events like flight delays, personal accidents, loss of checked-in baggage, trip cancellation, even a hospital stay in a strange unknown place. The company offers various travel insurance covers like Leisure Trip Insurance, Multi Trip Insurance, Student Trip Insurance, Asia Trip Insurance and Senior Citizen Trip Insurance. Under these travel insurance plans coverage is available only for travel to the nation for which a valid visa has been obtained.

Royal Sundaram Home Insurance Policy

The general insurance company offers economical home insurance covers to secure your precious assets. The plans for home insurance include home insurance plan, household articles insurance plan and Gruh Suraksha Home Insurance Plan. As the name suggests, the home insurance cover gives coverage to your flat or house building whereas the household article insurance will cover your articles like appliances, jewellery, and so on. However, Gruh Suraksha Home Insurance Plan is a comprehensive plan of home insurance benefits designed to cover your Building as well as Household contents.

Royal Sundaram Business Insurance Policy

Protect your Business and Employees from a wide range of risks with our Business Insurance Solutions. We offer different kinds of business insurance solutions including Business Solutions, Employee Solutions, Rural or Social Insurance. Business Insurance Solutions comprise Marine Insurance, Office Insurance, Engineering Insurance, Industrial Insurance, and Insurance for Educational Institutions, which are framed to secure your business against loss due to theft, fire, any sudden unforeseen accidental damage. We also complement our wide coverage with advice on Risk Management and Loss Preventions. On the other hand, Employee Insurance Solutions include Group Health Insurance, Group Accident Insurance and Workmen's Compensation to provide your employees with health cover and protect them against the risk of sudden accidents. Also, the rural and social insurance gives solutions specific to the rural class to safeguard the health and livelihood of farmers and women.

Royal Sundaram General Insurance Distribution Network

Royal Sundaram has acquired more than 2,000 employees with 156 branches across the country. Its insurance products are distributed through various channels-agents, distribution partners, affinity partners, brokers and online. Its massive workforce together are committed to deliver prompt claim support and anytime customer assistance. To offer cashless insurance solutions to its policyholders at the time of emergencies, the insurance company attains 4,600+ cashless garages and 5,000+ cashless hospitals.

Royal Sundaram General Insurance User Reviews

What users are saying
  • Most Helpful
  • All
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On

Royal Sundaram General Insurance FAQs

  • Can I renew my Royal Sundaram General Insurance Plans online?

    Yes, you can renew your insurance plans online with Royal Sundaram General Insurance. There are 3 simple steps following which you can renew your insurance policy online. The renewal process steps are as follow:

    • Enter your policy number and expiry date
    • Review policy details and premium amount
    • Make payment online using online methods
  • How many types of insurance covers are offered by Royal Sundaram General Insurance?

    Royal Sundaram General Insurance provides various types of insurance policies which may include Car Insurance, Two-wheeler Insurance, Commercial Vehicle Insurance, Health Insurance, Travel Insurance, Home Insurance, Business Insurance, and Rural Insurance.

  • Can I cancel my insurance policy of Royal Sundaram General Insurance?

    Yes, you can anytime cancel your insurance cover provided by the Royal Sundaram General Insurance within 15 days of free-look period free of cost. However, if you choose to cancel it after the free-look period, then you will be charged with the cancellation fee and receive the refund after this deduction.

  • Can I raise an online claim request for Royal Sundaram General Insurance Plans?

    Yes, you can raise the claim request online for Royal Sundaram General Insurance plans with its m-chatra app which is designed to simplify insurance by offering solutions for various insurance related activities.

  • How can I get in touch with the Royal Sundaram General Insurance team?

    You can connect with the Royal Sundaram support team by calling at 1860 425 0000. You can also get in touch with us through mail at