Car insurance claims

You can file a claim online through our website or through our mobile app. You can also call our 24x7 helpline number 1800 568 9999.

You can make any number of claims in the year.

Cashless claim: Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage.

Non-cashless/Reimbursement: If the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

Deductible in car insurance refers to the minimum deduction stipulated under motor insurance regulations to be deducted for each claim. This amount is deducted from the claim amount.

You can avail this service for a maximum of four times. You would be able to claim only for the services opted by you at the time of policy issuance.

No, NCB will not be impacted, in case you have only raised LOPB or Key Protect claims in the year.

We offer four types of car insurance policies online:

• Third party car insurance: This policy covers legal liabilities arising out of an accident. If your car causes injuries to a third party or damages surrounding property, then this policy will cover resulting legal expenses.
• Stand-alone own-damage car insurance: This policy covers your car against accidental damages, theft and natural/manmade disasters. To buy this insurance, you should have an active third-party insurance policy of the vehicle.
• Private car package policy

  This is a comprehensive car insurance policy that covers:

  Your own vehicle’s damages/theft

  Third party legal liability expenses

• Bundled policy: This type of insurance is available in case of a new car. It includes a 3-year third party cover and one-year own damage cover, bundled together in a single plan. You can opt to renew your own damage insurance on a yearly basis after the first year.

Car insurance covers damages to your own car, as well as the damages your car makes to others & surrounding property. Some of the risks it covers include fire, theft, natural calamities, explosion and self-ignition.

The Insured Declared Value (IDV) in a car insurance policy is the maximum amount we can pay out in claims to you. It is derived as per the market value of your car, at the time of policy purchase.

When you buy car insurance online from us, we email the policy documents to you. In case you can't find the original copy, you can download the car insurance certificate/policy from your email again.

You need to fill 29/30 form from RTO and get the acknowledgement slip to get the new policy on your name.

You need to submit this to the insurance company along with fresh proposal form along with vehicle inspection.

Yes, you can. You should renew your car insurance policy before expiry of the previous policy. In case your vehicle insurance policy has already expired, our authorised surveyor would require an inspection of the car, before policy issuance. The policy would only be issued subject to satisfactory inspection and submission of required documents.

Car insurance is available in annual and long-term (3 years) options. Follow these essential tips to renew car insurance - Irrespective of the policy term, you need to renew car insurance before it expires, so that there is no break in coverage. In case of a gap between expiry and renewal, you may lose out on claims and your accumulated NCB.

You can transfer your car insurance to the new owner.

Here's how you can transfer your car insurance policy - Under Section 157 (2) of the Motor Vehicles Act, the new car owners will have to apply to us within 14 days of the transfer. We shall make the necessary changes and get the policy transferred in their name.

Yes, if you are our customer, or are switching to Royal Sundaram from any other insurance company, and have accrued some NCB from your previous insurer. You can get the same transferred if you renew car insurance within 90 days after expiry (subject to no claim). The same applies if you are switching from Royal Sundaram to other insurance company.

Get NCB reserving letter of your old car from the previous insurance company.

After this, you can book your new car's fresh policy, with NCB benefit.

Intimate the claim with us before going to the garage & you can get these benefits at our certified preferred garages:

• Quick survey (within four working hours)
• Quality assurance for repairs done under claim for six months or 6000 km, whichever is earlier
• Complimentary vehicle body wash
• Complimentary sanitisation - on major touch points
• Complimentary towing at the time of the accident

Here's how you can file a car insurance claim - Contact our toll-free helpline 1800 568 9999 to register your claim and get a claim number/ reference number.

You can make any number of claims in the year.

Cashless claim: Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage

Non-cashless/Reimbursement: If the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

Deductible in car insurance refers to the minimum deduction stipulated under motor insurance regulations to be deducted for each claim. This amount is deducted from the claim amount.

You can avail this service for a maximum of four times. You would be able to claim only for the services opted by you at the time of policy issuance.

No, NCB will not be impacted, in case you have only raised LOPB or Key Protect claims in the year.