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Royal Sundaram 5 Years Two-Wheeler Liability Only Policy is designed to cover specified legal liabilities arising from the use of an insured motorcycle or scooter. The policy covers eligible third-party bodily injury or death claims and third-party property damage, subject to policy terms and applicable law. Its five-year duration is intended for eligible new two-wheelers and reduces the need for repeated annual third-party renewals during the policy period. This is a liability-only product: damage to your own bike due to an accident, fire or theft is not covered under this policy. Review the official policy wording and quote before purchase.
Five-year third-party liability cover for eligible new two-wheelers
This policy is intended for riders who need long-term third-party liability protection rather than own-damage insurance. The five-year duration is a key distinction, and it should not be confused with a comprehensive or package policy. The policy prospectus also describes personal accident protection for the owner-driver and optional passenger-related cover subject to the applicable terms. Confirm the available personal accident options, premium and eligibility with Royal Sundaram before buying.
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 legal liability arising from bodily injury caused to a third party by use of the insured two-wheeler.
Subject to policy wording and applicable law.
Provides cover for eligible legal liability arising from a third-party death caused by an accident involving the insured vehicle.
Claims are assessed under applicable law and policy terms.
Covers eligible liability for damage caused to third-party property, subject to policy limits and applicable law.
The insured’s own property is not covered as third-party property.
Provides a five-year liability-only policy period for eligible two-wheelers.
Confirm vehicle eligibility and policy start date before purchase.
Personal accident protection may apply as specified in the policy and selected cover.
Confirm whether the cover is included or optional in your quote.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Royal Sundaram plans and claim process
It covers eligible legal liability for third-party bodily injury or death and property damage caused by use of the insured two-wheeler, subject to policy terms.
The official product is named the 5 Years Two-Wheeler Liability Only Policy. Confirm eligibility and the policy schedule before purchase.
No. Liability-only insurance does not cover own-damage losses such as accidental damage, fire or theft. A suitable package or own-damage policy may be needed for those risks.
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)
The premium depends on applicable third-party rates and vehicle details, including engine capacity. Obtain a current quote from Royal Sundaram rather than relying on an outdated example rate.
The official prospectus describes owner-driver personal accident protection and an optional passenger-related cover. Confirm the exact cover, eligibility and premium with the insurer.