Key Features of Car Insurance Online
Car Insurance is governed by the India Motor Tariff Act. The key features are:
- Protection from loss of car or damage to your car with Auto Car Insurance plan.
- Unlimited Liability for Third Party death/ injury Claims with Auto Car Insurance policy.
- Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs.
- Speedy authorisation of repairs to get your car back on the road.
- Personal Accident Cover for you, your paid driver and the occupants in the car.
- Customer Helpline to give you support and guidance when you need it.
- Efficient and worry free claims service to give you peace of mind only with Auto Car Insurance plan from Royal Sundaram.
- First Information Report is not required (Unless legally mandatory).
Extra Benefits of Car Insurance
- Special Model Wise Discounts on Own Damage Premium for your car only with Auto Car Insurance plan
- Discount in premium up to 5% on the Own Damage Premium (or) Max of Rs.200/
- for a valid Member of Automobile Association of India
- Discount in premium up to 2.5% on the Own Damage Premium (or) Max of Rs. 500/- on Installation of Anti-Theft Device in your car
- Discount of Rs. 100/- in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage with Auto Car Insurance plan
- Discount of 35% on Own Damage Premium subject to a maximum of Rs. 2,500/- on opting maximum voluntary deductible of Rs. 15,000/-
- Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal Sundaram’s Car Insurance Policy Online.
Car Insurance Policy Coverages
a) Loss or damage to your car: This Royal Sundaram Car Insurance policy cover you against any loss or damage caused to the vehicle due to the following natural and man made calamities.
|
What is not covered in Auto Car Insurance Policy |
| - Accidental & External Damage | - Wear and tear, Depreciation or any consequential loss |
| - Fire & Explosion | - Mechanical/ electrical breakdown |
| - Riot & Strike | - Damage caused by a person driving the car without a valid license |
| - Malicious Act | - Damage caused by a person driving the car under the influence of alcohol or drugs |
| - Burglary, housebreaking/ Theft | - Other exclusions as per the policy terms and conditions |
| - Landslide | |
| - Transit | |
| - Earthquake | |
| - Storm and Flood | |
| - Terrorism |
b) Liability to Third Parties (Additional Auto Insurance Policy Covers)
|
What is not covered in Auto Car Insurance Policy |
| - Legal protection for death or injury claims from third parties |
- Damage to your personal property |
| - Legal protection for damage to third party property |
- Costs and expenses incurred without our prior written consent |
| - Legal costs and expenses | - Other exclusions as per the policy terms and conditions |
C) Personal Accident Cover to Owner/ Driver: This insurance policy provides compulsory Personal Accident Cover to the owner/ driver whilst driving the vehicle including mounting into/ dismounting from or traveling in the insured vehicle as a co–driver for Rs. 2 lakhs.
Extra Covers offered under Car Insurance Online Policy
- Personal Accident Cover to Unnamed Passengers and paid driver for a maximum of Rs. 2 lakhs per person
- Personal Accident Benefits for you, your paid driver and occupants of your car
- Legal liability to paid driver employed in connection with the operation of insured private car
- Legal Liability to the Employees of the Insured other than paid driver who may be driving or travelling in the 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 RC book.
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