Home >
Car Insurance >
Royal Sundaram Car Insurance: Benefits, Types and Factors

Royal Sundaram Car Insurance: Benefits, Types and Factors

December 3, 2025
7:54 am

Licensed in October 2000, Royal Sundaram is the first private sector general insurance company governed by the Insurance Regulatory and Development Authority of India. It aims to provide specifically customised car insurance products to all its policyholders. The plans include standalone damage, third-party car insurance policies, and comprehensive car insurance policies. All these offers complete protection for cars along with covering the compensation of financial liabilities for third-party losses or damages. It also assures personal accident coverage to protect unnamed passengers and drivers up to Rs. 2 lakhs per person.

Types of Royal Sundaram Car Insurance Plans
- Private Car Liability Only Policy (Third-Party Cover)
- Standalone Motor Own Damage Policy
- Car Shield Private Car Package Policy (Comprehensive Plan)
Key Benefits of Royal Sundaram Car Insurance
- Comprehensive Coverage for Vehicle Protection
- High Claim Settlement Ratio
- Personal Accident Cover for Driver & Passengers
- Minimal Paperwork & Quick Policy Issuance
- Digital Tools for Easy Claims (M-Inspect & M-Chatra)
Factors Affecting Royal Sundaram Car Insurance Premium
- Age of the Vehicle
- Location & Risk Zone
- Insured Declared Value (IDV)
- Fuel Type of the Car
How to Buy Royal Sundaram Car Insurance Online
- Choose the Right Plan
- Compare Coverage & Premium
- Complete Online Purchase
- Use Digital Tools for Inspection & Claims
Conclusion: Is Royal Sundaram Car Insurance Worth It
FAQs

Types of Royal Sundaram Car Insurance Plans

Royal Sundaram car insurance policy provides three motor insurance policies.

Private Car Liability Only Policy

The Royal Sundaram General Insurance Company compensates the policy owner for an accident resulting in third-party liabilities, such as damage, injury, or death of the third-party property.

Standalone Motor Own Damage Policy

This policy offers coverage against damages caused to the insured car because of an accident, theft, or fire. It also provides coverage for damages occurring due to natural and artificial disasters. However, this policy does not offer third-party liability coverage.

Car shield Private Car Package Policy

In a car-shield private car package policy, the insurer gets compensation for damages caused to the insured car because of calamities, road accidents, fire, theft, and third-party liabilities. This is an extensive policy because it covers third-party liabilities and provides compensation for the damages caused to the insured car.

Benefits of Royal Sundaram Car Insurance

There are several benefits to purchasing Royal Sundaram car insurance. Some of the key advantages are as follows:

- This car insurance policy protects against any losses or damages to the insured car.
- In case the insured car causes some damage to the third-party person or property, then this insurance policy offers coverage to the third party as well.
- Royal Sundaram’s car insurance plan offers personal accident coverage worth Rs.15 lakhs. In addition, under this plan, personal accident coverage can be extended to the other passengers of the car as well.
- The policy comes with a claim settlement ratio of 98.60%, which indicates the efficiency of the insurer in managing car insurance claims. Moreover, the car insurance claim settlement process is hassle-free and very quick.
- To purchase any of these policies, you do not need to require much paperwork. Hence, with minimal paperwork, you can purchase any car insurance plan in just a few minutes.
- Royal Sundaram implements powerful technology to complete the hassle-free process of purchasing and activating car insurance claims. With the M-inspect application, you can digitally complete a car inspection. On the other hand, the M-Chatra application offers complete details of the claim and more.

Factors Affecting Royal Sundaram Car Insurance Premium

Some of the major factors that affect the Royal Sundaram car insurance premium is listed below:

- The age of the vehicle stands as the most important factor affecting the premium of the car insurance policy. Hence, when purchasing Royal Sundaram car insurance for an older car, the insurance premium for the car will be higher.
- If you are purchasing a car insurance plan in a geographical location that suffers from theft or other criminal activities, then you will receive a higher car insurance premium.
- The insured declared value affects the premium of the car insurance. It is directly proportional to the car insurance premium, and with a higher insured declared value, you will receive a higher car insurance premium.
- Based on the fuel of your car, the car insurance premium might vary. Hence, the car insurance premium of diesel or CNG cars is higher than petrol cars.

How to Buy Royal Sundaram Car Insurance Online

When choosing a car insurance policy, select a Royal Sundaram plan that meets all your coverage needs. Each policy is designed to offer specific benefits, ensuring that car owners get the protection and facilities suited to their vehicle and personal requirements.

Purchasing online is quick and convenient. You can compare different plans, check premiums, and complete the policy purchase with minimal paperwork. Additionally, Royal Sundaram’s digital tools, like the M-Inspect app for vehicle inspection and the M-Chatra app for claim tracking, make the process seamless and hassle-free.

Take advantage of online offers, such as discounts on premiums, and ensure your car and passengers are fully protected.

Conclusion

Royal Sundaram Car Insurance offers comprehensive coverage, flexible plans, and convenient digital tools for hassle-free purchase and claim processing. Choose the policy that best fits your vehicle and personal needs and take advantage of online discounts to protect your car and passengers with confidence.