Royal Sundaram Car Shield Policy

• Protection from loss or damage to your car
• Unlimited cover for third party liability
• Personal accident cover for you, paid driver & occupants
• Avail NCB benefit
• Take advantage of discounts available
• 24/7 free roadside assistance kit
• Cashless claim settlement at over 3300 network garages across the country
• Optional covers to customize policy coverage

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

In case of a claim-free policy year, No Claim Bonus (NCB) as 20%, 25%, 35%, 45% & 50% is payable and it is offered on renewal of the policy within 90days from the policy expiry date.

Discounts

You can get a discount of Rs 100 in Third Party basic premium on reduction in the limits of liability for third party property damage.

Get up to 5% discount on the Own Damage Premium up to a maximum of Rs 200, if you are a member of Automobile Association of India.

You can opt for voluntary deductible of Rs 15,000 and get 35% discount on Own Damage Premium up to a maximum of Rs 2,500.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Depreciation Waiver Cover: This add-on cover pays the depreciation amount deducted on the value of the parts replaced for an approved claim, in case of loss or damage caused to the vehicle insured.
• Windshield Glass Cover:  If the windscreen glass of the vehicle gets damaged, this add-on cover provides coverage to get it repaired/replaced. It does not affect your No Claim Bonus.
• Full Invoice Price Insurance Cover: The insurer pays the full reimbursement of the invoice amount of the car. This add-on cover insures your vehicle to 100% of the list price.
• Loss of Baggage Cover: The loss or damage caused to the personal baggage kept in the insured vehicle is payable. NCB benefit is not affected upon availing this cover.
• NCB Protector: Insured will be entitled to No Claims Bonus towards “Loss or Damage to the Vehicles Insured”. It is applicable for the first 2 claims lodged during the same policy period.
• Key Protector Cover: The cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle is payable, in the event of theft/burglary/ loss or damage to the keys and/or lock of the Insured’s vehicle.
• Spare Car Clause: In case your car is being repaired due to its breakdown, you can get the daily cash benefit to cover your conveyance expense, if the repair time is more than 1 day.
• Engine (Aggravation) Protector Coverage: It covers the consequential damage to the internal parts of the Engine & Gear Box of the Insured Vehicle arising out of water ingression leakage of lubricating oil following damage to Engine parts, differential parts and Gear box parts due to Accidental means.
• You can also opt for add-on cover as personal accident cover for unnamed passengers and paid driver in your car, loss/damage to electrical/electronic accessories, CNG kit and Bi-fuel system.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.