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Royal Sundaram Third-Party Car Insurance is a liability-only motor policy intended to cover specified legal liabilities when the insured car causes injury, death or property damage to a third party. Third-party motor insurance is legally required for cars used on Indian roads. Eligible owner-driver personal accident protection is subject to the applicable policy terms and eligibility conditions. This policy does not cover accidental damage to the insured car or theft of the insured car. The applicable third-party premium depends on the vehicle category and engine capacity, with separate rates for electric vehicles where applicable. Confirm the current premium and policy schedule before purchase.
Liability cover for injury, death or property damage caused to third parties
Third-party insurance helps protect the policyholder against covered legal liabilities arising from an accident involving the insured vehicle. It is different from comprehensive or standalone own-damage insurance because it does not pay for damage to the insured car itself. Customers should verify the vehicle details, applicable liability limits, owner-driver personal accident requirements and policy period before purchasing. If protection for the insured car against accidents, theft or natural calamities is required, compare a package or standalone own-damage policy alongside valid third-party cover.
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 insured legal liability for bodily injury caused to a third party.
Claims are subject to applicable law and policy terms.
Covers eligible legal liability arising from the death of a third party in an insured accident.
Settlement is governed by applicable law and policy conditions.
Covers eligible liability for damage caused to another person’s property.
Applicable statutory limits and policy terms apply.
Personal accident protection may apply to the eligible owner-driver as specified by the policy.
Eligibility, exclusions and applicable requirements must be checked.
The applicable base premium depends on vehicle type and engine or motor capacity.
Confirm current rates and taxes when obtaining a quote.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Royal Sundaram plans and claim process
At least valid third-party motor insurance is legally required for a car used on Indian roads.
No. A liability-only policy does not cover accidental damage to or theft of the insured car.
The applicable base premium depends on the vehicle category and engine capacity. Check the current quote for the applicable rate.
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)
Owner-driver personal accident protection may apply subject to eligibility and the policy terms. Check the policy schedule.
You can explore a package policy that combines own-damage and third-party protection, subject to insurer requirements.