What is Royal Sundaram Motor Insurance Claim?

This article explores Royal Sundaram car insurance claims and Royal Sundaram two-wheeler insurance claims including how to file a claim, what documents will be required, and what could be the possible reasons for rejection of the filed claim. First, let’s look at the types of Royal Sundaram vehicle insurance claims.

Types of Insurance Claims

Royal Sundaram Cashless Claim: You bring your vehicle to a network garage for repairs when you file a cashless claim. Royal Sundaram will pay the garage directly in this situation. You only have to pay your deductible.

Royal Sundaram Reimbursement Claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket. After verification of all related documents, the insurer will reimburse the incurred cost. In this type of claim, it is not obligatory to get your vehicle repaired at the insurer’s network garage. You can take your vehicle to any workshop of your choice. Be sure to maintain all the repair bills accurately.

How to File Royal Sundaram Motor Insurance Claim?

Step 1: Intimation

The insurer should be notified right away if the bike is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyse the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company's surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless insurance claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing Royal Sundaram Motor Insurance Claim

  1. Accurately filled and signed claim form
  2. Vehicle insurance policy document
  3. Registration Certificate (RC) of the vehicle
  4. Driving License
  5. Copy of FIR (First Information Report) if applicable
  6. Payment receipts/bills once the repair has been done (in case of reimbursement claims)
  7. ‘No Trace Report’ of the insured vehicle from the police (in case of theft of insured vehicle)
  8. Duly filled and signed 26, 28, 29, 30, and 35 Forms (in case of theft of insured vehicle)
  9. Theft declaration from Regional Transport Office (in case of theft of insured vehicle)
  10. All sets of keys/Warranty Card/Service Booklets (in case of theft of insured vehicle)

Common Reasons for Royal Sundaram Motor Insurance Claim Rejection

  1. Fraud claim/ claiming wrong coverage amount
  2. Falsifying facts
  3. Improper functioning of the vehicle parts
  4. Lack of details required to process the claim
  5. Delayed claim intimation
  6. Negligence on part of driver
  7. Driving without license
  8. Intoxication

FAQs - Frequently Asked Questions

Q1. What are the documents required to file a two-wheeler insurance claim?

Important documents required for filing a two-wheeler insurance claim are driving license, vehicle RC, policy document and the claim form.

Q2. When do I need to file an F.I.R.?

In case of an accident or theft of your two-wheeler, you should file an F.I.R.

Q3. How long does a two-wheeler insurance policy last?

Unless otherwise stated, a vehicle insurance policy is valid for a period of one year.

Q4. Will I be able to file a Royal Sundaram two-wheeler claim if I don’t go to a Royal Sundaram network garage?

Yes. Notify the insurer immediately after the accident, and take your bike to the garage of your choice. You can file a reimbursement claim and submit all the repair bills to the insurer. The insurer will settle the claim amount after verification.

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