Brand new Bike
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.
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 SundaramReimbursement 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.
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 analyze 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 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.
Important documents required for filing a two-wheeler insurance claim are driving license, vehicle RC, policy document and the claim form.
In case of an accident or theft of your two-wheeler, you should file an F.I.R.
Unless otherwise stated, a vehicle insurance policy is valid for a period of one year.
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.