Royal Sundaram Two Wheeler Insurance

Royal Sundaram is the first private General Insurance Company to be licensed in India by October 2000. Royal Sundaram is known to provide exquisite insurance policies to individuals, families, and businesses. They provide motor, health, home, and travel insurance policies. By buying Two Wheeler Insurance policies at Royal Sundaram, you can add safety to your bike riding experience. Our policy will offer maximum protection under any contingencies.  With over 5200+ cashless garages, you can get your vehicles repaired anytime.

Types of Royal Sundaram Two Wheeler Insurance Policy coverage

Royal Sundaram Insurance offers two types of Two Wheeler Insurance policies to Indian customers,

  • Third Party Liability: This type of Insurance covers damages to third parties vehicle and individuals by the insured vehicle. According to Motor Law Act 1988, every rider must insure their vehicles with a third party insurance atleast. It also provides a Personal Accident Coverage of 1 Lakh for the owner-driver
  • Comprehensive Insurance: Apart from the third party liability cover, this type of Insurance covers damage to your own vehicle as well during accidents, natural, and man-made disasters. It comes with a Personal Accident coverage of 1 Lakh to the owner-driver of the Insured vehicle.

Features and Benefits of Two Wheeler Insurance Policy

The Royal Sundaram Two Wheeler Insurance offers maximum protection in the event of any contingency,

  • Don’t lose on NCB – When you move into Royal Sundaram from your existing insurance provider, you can retain your NCB and it will grow periodically
  • Protection from Inflation – You don’t have to pay extra premium even if there is an increase in the Third Party Premium during the policy period
  • One-time Payment – Save yourself from frequent purchase by opting for a policy for two or three years
  • Damages due to Accidents, Natural Disasters, Man-made disasters, and theft of the vehicle
  • Personal Accident (If opted) – It provides cover to the owner or driver while driving the two wheeler if he/she meets in an accident
  • Property Damage under Third Party Insurance upto 1 Lakh

Exclusions in Two Wheeler Insurance at Royal Sundaram

  • Depreciation  – Wear and Tear of the vehicle is not covered
  • Regular servicing – Servicing is required for smooth functioning of the bike. Regular services for your bike is not covered
  • Mechanical or Electrical Breakdowns are not covered
  • Driving without a valid license
  • Driving under the influence of drugs or alcohol
  • Damages to bike outside India
  • Consequential Losses (like engine failure after the accident)
  • Contractual Liabilities

Why should you buy two wheeler insurance at Royal Sundaram?

The Main advantages of buying Two Wheeler Insurance at Royal Sundaram are given below,

  • Quick Claim Settlement – 98.6% CSR
  • Emergency Assistance 24/7
  • Affordable Premiums
  • Presence in over 150+ Cities and town

How to Apply for Royal Sundaram Two Wheeler Insurance?

  • Visit the website of Royal Sundaram (
  • Fill in the details such as city of registration, make and model of the vehicle, and your mobile number
  • Click on Best Price, if you find the premium affordable, go ahead with the purchase by providing the details such as name, address, and contact details
  • Complete the payment and you will receive the policy documents in your email

How to Raise a Claim for two wheeler insurance at Royal Sundaram?

  • Inform the insurance company immediately after the accident  ( or contact them through their toll-free at 18602580000 or 18604250000
  • Alternatively, you can also use the M-Chatra app for all-things related to Royal Sundaram Insurances like policy details, claim process, and other requests. M-Inspect app allows you to request an inspection. The entire process can be done within 20 minutes. 
  • Insurance company will conduct a survey to assess the extent of the damage
  • Submit the relevant documents like duly filled claim form along with PAN, Aadhar card, RC, Insurance copy, and driving license 
  • If the documents are in order then the insurance company will arrange for a cashless facility in which case you can get your vehicles repaired in a network garage. For reimbursement claims, you will have to submit the cash bills to the company for settlement of claim
Cubic Capacity of the vehicle, Insured declare value of the vehicle, Make and Model, Place of registration, Discounts, and Add-ons are some of the factors that determine the premium of two-wheeler insurance policy
During the settlement of the claim, a certain portion of the bill has to be borne by the policyholder. This amount is termed as the Compulsory deductible
Return to Invoice cover, Zero Depreciation Cover, Consumables Add-on cover, and Accessories cover are the some of the add-ons that you can buy to strengthen your policy coverage.