Royal Sundaram Bundled Private Car Long-Term Policy

Royal Sundaram Bundled Private Car Long-Term Policy is designed for eligible new cars. The bundled structure provides three years of third-party liability insurance and one year of own-damage insurance under a single initial purchase arrangement. Third-party cover addresses eligible legal liabilities for injury, death or property damage caused to others. Own-damage cover protects the insured vehicle against specified events during its applicable policy period. The two sections have different coverage durations, so owners should track their own-damage renewal date carefully. Premium depends on vehicle details and the terms offered at purchase. Refer to the policy schedule and official wording for exact conditions and exclusions.

A bundled policy can simplify initial insurance for a new car by combining long-term third-party cover with shorter-term own-damage cover. However, the own-damage section expires after its first year under the described structure and needs renewal to avoid a gap in protection for the car itself. Third-party cover continuing for three years does not mean own-damage protection also lasts three years. Check the policy schedule, IDV, deductibles, renewal date and applicable exclusions before buying.