Is third-party insurance included?

Yes, the package policy includes third-party liability protection, subject to the policy terms.

Royal Sundaram Comprehensive Two-Wheeler Insurance

Q: How is the premium calculated?

Premium depends on the vehicle, IDV, registration location, policy duration and selected covers. Obtain a current vehicle-specific quote.

Royal Sundaram Comprehensive Two-Wheeler Insurance Overview

Royal Sundaram Comprehensive Two-Wheeler Insurance is a package policy designed to protect an insured motorcycle or scooter against specified damage and third-party liabilities. The official policy prospectus describes own-damage protection for insured events including accidental external damage, fire, theft, specified natural calamities, riots and malicious acts. The package also provides third-party liability cover for eligible bodily injury, death and property damage. Personal accident protection applies according to the policy schedule and eligibility requirements. Optional covers can extend protection for eligible replaced parts, engine damage from specified events, roadside assistance and invoice-value benefits. Premium depends on vehicle details, insured declared value, registration location, policy duration and selected covers. The current policy wording and schedule determine the final terms, limits and exclusions.

Package protection for your two-wheeler and third-party liabilities

Expert Review of Royal Sundaram Comprehensive Two-Wheeler Insurance

A package policy combines own-damage and third-party protection, making it relevant for owners who want protection for both their own two-wheeler and specified third-party liabilities. The official prospectus lists optional add-ons such as Depreciation Waiver, Engine Protector and Roadside Assistance. These benefits are not automatically included in every policy; availability, eligibility and extra premium must be checked at purchase. Review deductibles, insured declared value, personal accident requirements, exclusions and claim conditions before selecting a policy.

Pros

Combines own-damage and third-party liability protection in a package policy.
Covers eligible damage from specified accidents, theft, fire and natural events.
Optional add-ons can extend protection when selected and available.

Cons

Premium varies by vehicle details, IDV, location, policy duration and selected covers.
Add-ons may cost extra and are subject to eligibility and specific conditions.

About Royal Sundaram (Insurer Profile)

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

Royal Sundaram Comprehensive Two-Wheeler Insurance Features and Benefits

Accidental damage

Covers eligible accidental loss or damage to the insured two-wheeler.

Subject to policy terms, deductibles and exclusions.

Theft and burglary

Provides cover for insured vehicle theft under the policy conditions.

Claim requirements and insured value conditions apply.

Fire and natural calamities

Covers eligible loss caused by insured fire and specified natural events.

Only events covered by the policy wording are included.

Third-party liability

Covers eligible legal liability for third-party bodily injury, death and property damage.

Applicable legal limits and policy conditions apply.

Owner-driver personal accident

Personal accident protection applies as specified in the policy schedule.

Eligibility and applicable requirements must be checked.

Insured Declared Value

IDV is used for applicable total-loss and theft settlements.

Settlement remains subject to policy conditions and the applicable insured value.

No Claim Bonus

Eligible claim-free policy periods can earn a discount on own-damage renewal premium.

Applicable NCB eligibility and rules apply.

Add-ons of Royal Sundaram Comprehensive Two-Wheeler Insurance

Depreciation Waiver

Can waive depreciation deductions on eligible replaced parts in admissible partial-loss claims.

Optional add-on for additional premium; terms and eligibility apply.

Engine Protector

Can cover specified engine and internal-part damage caused by covered water ingress or oil leakage events.

Optional add-on; defined events and exclusions apply.

What Royal Sundaram Comprehensive Two-Wheeler Insurance Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Consequential loss and ordinary wear and tear are not covered.
Mechanical or electrical breakdown is not automatically covered unless an applicable cover provides protection.
Damage while the rider is under the influence of intoxicating liquor or drugs is excluded under applicable policy terms.
Other exclusions, including specified tyre damage and unauthorised use, are governed by the policy wording.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Royal Sundaram Comprehensive Two-Wheeler Insurance FAQs

What does Royal Sundaram Comprehensive Two-Wheeler Insurance cover?

It combines own-damage protection for specified insured events with third-party liability cover, subject to the policy wording.

Does this policy cover theft of my bike?

Theft is included among the insured perils in the package policy, subject to claim requirements and policy conditions.

Which add-ons can I choose?

The official two-wheeler add-on prospectus lists Depreciation Waiver, Engine Protector, Return to Invoice, Roadside Assistance and Enhanced PA options. Availability and terms should be confirmed when obtaining a quote.