Buy these addon covers along with your Royal Sundaram car insurance to get enhanced insurance coverage for your car.

Depreciation Waiver Cover 

The value of your car keeps going down with time. This is called depreciation. With the depreciation waiver cover, you will get fully reimbursed without any deduction for depreciation on the value of parts being replaced. This cover is also referred to as bumper-to-bumper cover or zero depreciation cover or nil depreciation cover.

Windshield Glass Cover

If your windscreen glass breaks and needs to be repaired or replaced, the insurance provider will reimburse you without affecting your no claim bonus, given that your claim is only for windscreen glass damage.  This cover is recommended for new vehicles.

Voluntary Deductible Cover

This add-on cover helps you save 15 per cent to 35 per cent on your Royal Sundaram car insurance premium by voluntarily agreeing to pay a specific portion of every claim amount yourself. The insurance provider will pay for damages over your voluntary deductible.

Vehicle Replacement Value Plus

With this addon, in case of theft or total damage to your car, you will get full reimbursement on the car’s invoice amount, road tax, registration charges, and insurance costs. It’s as if the car’s value didn’t depreciate at all.

Loss of Baggage Cover 

This cover compensates for loss or damages incurred to the baggage (including personal belongings such as clothes, shoes, belts, etc) kept in your car due to theft or accident.

Spare Car Clause

When it comes to repairing your car, it might be a matter of days before your car is back from the service station. This add-on gives you a daily cash benefit to cover travelling expenses while your car is being repaired.

NCB Protector

With this addon, you can make up to two own damage claims without affecting your no claim bonus.

Key Replacement Cover

With this addon, if your car keys are lost or misplaced or damaged, the insurance provider will cover the cost of key repair or replacement without deducting any amount towards depreciation, including labour costs.

Tyre Cover

Tyre Cover is an add-on that compensates the cost of repair and replacement of tyres and tubes due to accidental damage or loss, such as a tyre burst, puncture or flattening of the tyre, among other things. Claim under this add-on cover is valid only for tyres installed in the vehicle.

Aggravation (Damage) Cover Clause 

Aggravation (Damage) Cover Clause is also known as ‘Engine Protector Cover’. This cover is designed to protect the engine of your car. The insurer will compensate for the cost of repairing or replacing engine parts, gearbox parts, differential or transmission parts, and power steering pump parts caused by lubricating oil or coolant leakage or water ingression under this policy.

CNG Kit and Bi-Fuel Systems Cover

In the event of an accident, this add-on covers the cost of repair or replacement of the CNG or Bi-fuel system of your car.

Comprehensive Cover for Electrical or Electronic or Non-Electrical Fittings

This add-on offers coverage for the cost of repair of electrical or electronic accessories such as fog lights, air-conditioners, brake lights, and music systems and the cost incurred on the repair of non-electrical fittings like alloy wheels, interior fittings, seat covers, etc.

Lifetime Road Tax Clause

In the event of theft or total loss of your car, this add-on assures that the insurance provider will pay the unexpired portion of Road Tax in addition to the amount paid for the loss of your car.

Frequently Asked Questions

1. Where can I buy Royal Sundaram Car Insurance Add-ons with expert advice?

At Quickinsure, you can get proper advice and support throughout your policy selection and purchase process. We are happy to help you! Get in touch with us today!

2. How much premium would I have to pay for a comprehensive car insurance policy with add-ons purchased from Royal Sundaram?

Your insurance premium will depend on several factors such as IDV of the vehicle, cubic capacity of the vehicle, age of the vehicle, and add-ons. Click here to check your premium amount in just a few clicks.

3. I want to know more about Voluntary Deductibles in car insurance?

A voluntary deductible is a minimum amount that you choose to pay from the claim amount. The policyholder is required to pay the amount before the insurer contributes to the rest of the claim value. Aside from the voluntary deductible, the insured also contributes to a mandatory deductible, which provides more coverage in the event of a claim.

Let's take a look at an example to understand this better. If your repair costs Rs. 2000 and you choose a voluntary deductible of Rs. 1000, this is paid in advance as an investment in your car's repairs. The insurer will cover the remaining claim amount up to the limits specified in the insurance policy.

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. The higher the deductible amount, the lower your insurance premium.

4. I want to purchase a Royal Sundaram insurance policy for my new car, which addons should I go for?

For new cars, it is recommended to go for Depreciation Waiver Cover, Vehicle Replacement Value Plus Cover, NCB Protector, Tyre Cover, and Key Replacement Cover.


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