Royal Sundaram Car Insurance Claim Process & Settlement Ratio

It is crucial to consider one’s and others’ safety while driving on roads. One cannot avoid the risk factor whether they are a skilled driver or a beginner. A little bump on the road can result in a huge loss. Thus, the only best way to remain prepared against such circumstances is to buy car insurance from a genuine provider. It’s the smartest and the easiest way to financially secure you and your four-wheeler.

Also, buying a car insurance policy is not a choice, it is mandatory as per the Motor Vehicles Act of India. So, whenever you decide to buy a vehicle, be it a two-wheeler or four-wheeler, you must get it insured before you take it on the road.

Royal Sundaram Car Insurance

Car insurance with Royal Sundaram allows customers to drive their cars with safety and peace of mind. Buying a car insurance policy with the company protects you and your motor vehicle from any mishap or damage due to accident, theft, or burglary. Royal Sundaram car insurance is backed by a powerful network and advanced technology, and it helps you to be prepared for unforeseen events.

Customers can even customize car insurance policies with additional add-ons to boost their car protection plans. Buy Royal Sundaram Car Insurance online and settle your claims easily.

Continue reading to learn more about Royal Sundaram claim process & settlement ratio.

Royal Sundaram Car Insurance- Highlights

Claim Settlement Ratio98.4%
Network Garages3300+
Types of Car Insurance Plans– Third-party insurance<br>- Comprehensive insurance plans<br>- Standalone own-damage<br>- Standalone third-party coverage
Personal Accident CoverageUp to Rs. 15 lakhs
No Claim BonusYes
Official Website
Contact Information– Customer Service: 1860-258-0000 / 1860-425-0000<br>- Motor Claim Intimation: 1800-568-9999<br>- Email Id:

Key benefits of Royal Sundaram Car Insurance

  • Provides personal accident cover for a minimum of Rs. 15 lakh.
  • Affordable car insurance premium with additional coverage and add-ons.
  • It provides coverage in case of damage involving a third party.
  • Multiple, hassle-free ways to initiate a claim process.
  • Quick and easy digital car inspection process from the comfort of your home.
  • Royal Sundaram has a trusted car garage network across the country, which provides cashless repairs and priority service.

Royal Sundaram Car Insurance Claim Process- How to File a Claim?

Royal Sundaram provides both cashless and non-cashless claim settlements for insured vehicles. Policyholders can save money on huge bills by filing an insurance claim. Follow the steps given below to raise a Royal Sundaram car insurance claim.

Inform your car insurance provider– The first step in initiating the Royal Sundaram car insurance claim process is to immediately report any mishap (involving an insured car) to the insurance company.

Register claim– After claim intimation, the policyholder is required to register for the claim by submitting all relevant documents.

Survey the damages- Following this, the team of Royal Sundaram will appoint a surveyor to assess the extent of the loss or damage. The surveyor will investigate the incident and prepare a report detailing the estimation of repairs obtained from the authorized repairer/network garage.

Documents Verification– The surveyor will also verify the necessary documents, which include a claim form, a photocopy of the insurance policy, the registration certificate (RC), a valid driving license, etc., along with any other evidence related to the accident or damage caused to the vehicle.

Claim settlement– Once the surveyor’s report is received and verified, Royal Sundaram will proceed with the claim settlement process. In case of a cashless claim, the insurance company will settle the claim with the network garage.

In case the repairs have been done in a non-network garage, the company will reimburse the claim amount after you have paid the bill.

Royal Sundaram Car Insurance Claim Settlement Ratio

The claim settlement ratio is a very important parameter to consider when choosing a car insurance provider. It refers to the percentage of claims settled by an insurance company out of the total number of claims received in a year. A high settlement ratio indicates that the said insurance company has a great track record of honoring genuine car insurance claims, providing safety and peace of mind to policyholders.

Trusted by over 28 million Indians, Royal Sundaram features an impressive claim settlement ratio of 98.4 % with a quick and seamless process. People having a Royal Sundaram car insurance policy can raise a claim for damages caused to their vehicle and get a prompt and swift disbursal of the claim amount. The company processes claim settlements within 10 working days with minimal documentation.

Documents required for claim settlement

To raise a car insurance claim with Royal Sundaram, the policyholders have to submit the necessary documents. Some of them are listed below:

  • A photocopy of the vehicle owner’s valid driver’s license
  • A copy of the document related to the car insurance policy
  • The original keys to the insured vehicle
  • Photostat of the vehicle’s Registration Certificate (RC)
  • In case of theft, furnish a verified copy of the First Information Report (FIR)
  • Accurately filled and signed insurance claim form
  • Non-traceable certificate (NTC) from the police in cases of theft where the insured vehicle has not been recovered 
  • NOC and Form 35 from the lender if the insured car has an active loan
  • Duly stamped RTO transfer papers, along with Form 28, Form 29, and Form 30.

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