Royal Sundaram Bundled Two-Wheeler Long Term Policy

Royal Sundaram Bundled Two-Wheeler Long Term Policy combines five years of third-party liability protection with one year of own-damage insurance. Third-party cover addresses eligible legal liability for injury, death and property damage caused to others by the insured vehicle. Own-damage cover protects the insured two-wheeler against covered events such as accidental external damage, fire, theft, flood, storm, riot and certain transit-related losses. The two sections have different policy durations, so own-damage protection must be reviewed and renewed after its first year if continued cover is required. Claims remain subject to the policy wording, exclusions, deductibles and insured declared value.

This bundled product combines long-term third-party protection with shorter-duration own-damage cover. It can suit eligible new two-wheelers when the owner wants both types of protection at purchase. The key point is that the own-damage component lasts one year, whereas third-party cover lasts five years. Do not assume that own-damage protection continues automatically for the full five-year period. Confirm the policy schedule, insured declared value, premium, deductibles and renewal requirements with Royal Sundaram.