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Royal Sundaram Car Insurance Review – Forbes Advisor INDIA

The Royal Sundaram car insurance provides eleven add-ons which can be opted by the policyholder while buying the car policy at a nominal premium cost. The add-on covers are explained as follows:

Zero Depreciation Cover: This is also known as bumper to bumper cover which provides coverage for the entire value of repairs without any deduction for depreciation, in case of any damage to the vehicle. So, even if the car is old or partially depreciated, the insured gets the full claim value.

New Vehicle Replacement: With add-on benefits of new vehicle replacement, the insurance company offers on-road price of the car, in case of the full loss or theft of the vehicle.

Windshield Glass Cover: This cover ensures that your NCB is not affected for the replacement of the broken windshield glass, as you get the full replacement cost covered with this add-on.

Voluntary Deductible Cover: The policyholder can avail further discount of up to 15% to 35%, if they opt for voluntary deductibles. Deductible is any amount that is to be incurred by the policyholder, before the insurance company pays for the compensation.

Loss of Baggage Cover: Provides coverage in the case of loss or damage to luggage placed in your vehicle.

Spare Car Clause: The insured gets paid on a per day basis for the conveyance, when their car is in any of the network garages for repairs.

NCB Retention Cover: This cover retains the no-claim bonus even if the insured makes a claim during the last policy tenure.

Return to Invoice: Provides the benefit of receiving back the amount of your car’s invoice value, which includes the cost of registering a new vehicle and its road tax.

Tire Protection Cover: The insured gets the coverage for tire bursts, bulges, punctures, cuts, accidental damage and more.

Key Protect Cover: Cover the expenses related to the repair or replacement of car keys or lock set in case of the theft or loss of keys.

Enhanced Personal Accident Cover: Provides additional personal accident coverage with maximum up to INR 50 lakh.

Aggravation (Damage) Cover Clause: Provides coverage against the losses due to damage to engine, gear box, transmission, due to any accidental means or water logging while being driven.

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