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Royal Sundaram Comprehensive Car Insurance, also known as a private car package policy, combines cover for eligible damage to the insured vehicle with third-party legal liability protection. Subject to the policy wording, it can cover accidental damage, fire, theft and specified natural or man-made events. Third-party cover addresses covered legal liabilities arising from injury, death or property damage caused to others. Customers can review optional add-ons to tailor protection to their requirements. Premium depends on vehicle make and model, registration location, insured declared value (IDV), claim history and selected covers. Check the final quotation and policy schedule for exact limits, deductibles and exclusions.
Package cover for own-vehicle damage and third-party liability
A comprehensive package policy brings own-damage and third-party liability protection together. It may be suitable for owners who want protection against a wider range of insured events than third-party-only insurance. However, comprehensive does not mean every loss is covered: wear and tear, mechanical breakdown, invalid driving credentials and other exclusions may apply. Compare the IDV, compulsory and voluntary deductibles, add-on terms and claim conditions before purchase. Obtain a personalised quote because the premium varies by vehicle and policy choices.
Royal Sundaram
Key Insights
Founded
2000
Royal Sundaram was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95% CSR, calculated as a 3-year average
Royal Sundaram settles 95% of all claims it receives, demonstrating strong credibility.
Contact Details
1860 425 0000
Headquarters: Vishranthi Melaram Towers, No. 2/319, Rajiv Gandhi Salai (OMR), Karapakkam, Chennai – 600097, Tamil Nadu, India
Covers eligible accidental damage to the insured car.
Subject to policy terms, deductibles and exclusions.
Provides cover for insured vehicle theft as specified by the policy.
Claim settlement is subject to policy conditions and IDV.
Covers eligible loss or damage caused by covered fire or explosion events.
Refer to the policy wording for applicable conditions.
Specified events such as floods, cyclones, riots or malicious acts may be covered.
Only insured events under the policy are covered.
Covers eligible legal liability for third-party injury, death or property damage.
Subject to applicable legal limits and policy terms.
Optional assistance for eligible breakdown situations, where selected and available.
Availability, services and limits depend on the chosen add-on.
An optional cover may reimburse specified invoice-value components in eligible theft or total-loss claims.
Subject to eligibility, selected cover and policy wording.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Royal Sundaram plans and claim process
It combines eligible own-damage protection with third-party liability cover. Exact insured events and limits are specified in the policy wording.
Vehicle theft is covered subject to the policy conditions, claim requirements and applicable insured declared value.
Premium depends on vehicle make, model, variant, IDV, registration location, claim history and selected add-ons. Request a personalised quote.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Royal Sundaram website before purchasing.
Official Website
royalsundaram.in
Visit the official Royal Sundaram website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Roadside assistance may be available as an optional add-on. Confirm its availability, services and limits in the quotation.
At least the legally required third-party motor insurance must be maintained. Comprehensive cover adds protection for the insured vehicle.