Key Benefits

Key Benefits

Royal Sundaram offers Car Shield, a comprehensive package policy which covers Loss or Damage to your car, Liability to third parties and provides personal accident cover to the Owner/Driver.

Loss or Damage Protection

Protection from loss of car or damage to your car.


Unlimited Liablity

Unlimited Liability for Third Party death/ injury Claims.


Indemnity for third party property

Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs.


Personal Accident Cover

Personal Accident Cover for you, your paid driver and the occupants in the car.



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Motor Insurance Get Quote Event

About Car Insurance

Why Royal Sundaram Car Insurance?

Our Car Insurance policies come with a wide range of feature

4600+ Garages List

We provide cashless claims across several garages in the country so that you don’t have to struggle with finding one during an emergency.

Free Flat Tyre Service

Free Road side Assistance

We provide roadside assistance during emergency. Please reach out to customer care for more details.

Free Emergency fuel Delivery!

100% Invoice Price

Royal Sundaram offers 100% invoice price insurance add-on cover.

Extensive Coverage with add-ons for passengers & car
Car Coverages


Royal Sundaram offers Car Shield, a comprehensive package policy which covers Loss or Damage to your car; Liability to third parties and provides personal accident cover to the Owner/Driver. Car shield also comes with a host of discounts. 

Loss or Damage to Your Car


Liability to Third Parties


Personal Accident Cover to Owner/Driver


This Car Insurance policy covers any loss or damage caused to the vehicle due to the following natural and manmade calamities:

  • Accidental & External Damage
  • Fire & Explosion
  • Riot & Strike
  • Malicious Act
  • Burglary, housebreaking/ Theft
  • Landslide
  • Earthquake
  • Storm and Flood
  • Terrorism
  • Wear and tear, Depreciation or any consequential loss.
  • Mechanical/ electrical breakdown.
  • Damage caused by a person driving the car without a valid license.
  • Damage caused by a person driving the car under the influence of alcohol or drugs.
  • Other exclusions as per the policy terms and conditions.
Car Discount on Premium

Get a Discount on Basic Coverage Premium

You can get a discount on the basic coverage and/or choose from a range of additional covers and add-on covers to enhance your basic cover. Car Shield offers the following discounts on buying online:
If you are a member of Automobile Association of India, you can get up to 5% discount on the Own Damage Premium (or) Max of Rs.200.
Discount of Rs. 100 in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage.
Opt for voluntary deductible of Rs. 15,000 and get 35% discount on Own Damage Premium subject to a maximum of Rs. 2,500.
Car Additional Covers

Additional Cover

In addition to the Basic Coverage, Royal Sundaram's Car Shield offers some important optional coverages at minimum additional premium. These coverages are designed to enhance the level of protection offered in the basic cover. Coverages are outlined below:


Personal Accident Cover for Unnamed Passengers and paid driver for a maximum of Rs. 2 lakhs per person.

Legal Liability to the Employees of the Insured other than paid driver who may be driving or travelling in the car.

Legal liability for paid driver employed for the insured car.


Comprehensive cover for Electrical / Electronic / Non-Electrical Fittings in the car.


Cover for CNG Kit and Bi-Fuel System which are endorsed in the Registration Copy (RC) book of the vehicle.

Car Add Ons

Add Ons

Car Shield comes with 13 unique add-on covers that enhance the protection offered in the standard package policy. Some of our popular add-ons include, No Claim Bonus(NCB) Protector, Depreciation Waiver on plastic or metals parts in case of partial loss or claim, Key Protector covering the cost incurred in repair/replacement of keys, including labour costs, add-on cover for your windshield glass without affecting No Claim Bonus, full invoice price cover for protection against total damage or theft, Enhanced PA cover, Vehicle Replacement Value Plus Clause

Depreciation Waiver Cover
Windshield Glass Cover
Voluntary Deductible Cover
Full Invoice Price Insurance Cover
Loss of Baggage Cover
Spare Car Clause
NCB Protector
Key Replacement Cover
Tyre Cover
Lifetime Road Tax Clause
Aggravation (Damage) Cover Clause
Enhanced PA cover
Vehicle Replacement Value Plus Clause
Car Claims


Oh no! Has your vehicle been damaged? Worry not, we make it easy for you to make a claim


1.Inform Royal Sundaram immediately and keep the following details on hand:

  • Policy Details
  • Contact Details
  • Loss Details

2.Please refrain from dismantling or repairing the vehicle before survey is completed.


3.Survey will be arranged on receipt of claim intimation and submission of detailed estimate of repairs from the repairer.


4.Documents must be provided to the repairer/surveyor prior to survey.


5.Duly filled and signed claim form. Please note that it is mandatory to update Aadhaar and PAN details. For company owned vehicles, signature of authorized signatory along with company seal is required.


6.Registration Certificate of the vehicle along with photocopy. Original to be verified and returned.


7.Driving License of the driver at the time of accident along with photocopy. Original to be verified and returned.


8.FIR from police station if third party death/ injury or property damage.


9.If the claim amount exceeds Rs. 1,00,000, we require a copy of your PAN Card along with a recent passport photo.


10.Other documents may be requested based on the requirements of the claim.


11.If all documents are found to be in order, we will arrange for cashless facility. You may collect the vehicle after completing a satisfaction voucher and paying any amount as required.


12.For Non cashless claims (reimbursement claims), original cash bill or Invoice with cash receipt is required for settlement of claim.


13.Vehicle may have to be produced for re-inspection, if requested by surveyor.

Car Faq

Car Insurance Plan Common Queries (FAQ’S)

Questions about Car Insurance? Get your answers here.
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Happy Customers Portlet

Our Happy Customers

  • Happy Custpmer
    Review Top

    Mr. Kushagra Tiwari

    During the tough times too I Received my vehicle on time after proper inspection and repair Great Customer experience Way to go Royal Sundaram

    Posted on : 08/05/2021
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  • Happy Custpmer
    Review Top

    Mr. Dinesh Kumar

    I requested for road side service from Royal Sundaram Customer care Ankur took my request and acted upon it promptly And to my surprise even during lock down I got absolutely quick service It was a very experience Thank you Ankur and entire team

    Posted on : 08/05/2021
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We value your feedback. Share your experience with us.

Car Terms and Condition New

Policy Terms and Conditions

We request you to carefully read and understand the Terms and Conditions, before you buy the Policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification.

3 Years Private Car Liability Only Policy : IRDAN102RP0001V01201819
Bundled Private Car Long Term Policy: IRDAN102RP0005V01201819
Car Shield UIN NO: IRDAN102P0004V02201617
Standalone Motor Own Damage Policy UIN NO: IRDAN102RP0001V01201920
Enhanced PA Cover Clause Private Car Shield UIN NO: IRDAN102A0020V01201920
Enhanced PA Cover Clause Bundled Private Car Long Term policy UIN NO: IRDAN102A0019V01201920
Private Car Annual Liability Only Policy
3 Year Liability Only Policy
Bundled Long Term Package Policy
Car Shield
Standalone Motor Own Damage Policy
Enhanced PA Cover Clause Private Car Shield
Enhanced PA Cover Clause Bundled Private Car Long Term policy
Private Car Annual Liability Only Policy
Car Schema