Royal Sundaram Standalone Two-Wheeler Own Damage Policy

Royal Sundaram Standalone Motor Own Damage Policy for Two-Wheelers protects the insured motorcycle or scooter against specified accidental loss or damage. The policy wording lists covered events such as accidental external means, fire, theft, riot, malicious acts, certain natural calamities and damage during specified transit. This policy is designed to complement an existing third-party liability policy and does not replace mandatory third-party insurance. The premium depends on factors such as the vehicle, insured declared value and selected options. Claims are assessed under the policy schedule, deductibles, exclusions and applicable conditions.

A standalone own-damage policy is relevant when the two-wheeler already has valid third-party liability insurance, including cover purchased from another insurer. It focuses on damage to the insured vehicle rather than third-party liability. Check the policy period, IDV, compulsory deductible, voluntary deductible and any selected add-ons before purchase. Do not assume that depreciation, standalone tyre damage or mechanical breakdown is automatically covered; the official policy wording lists limitations and certain optional extensions.