Royal Sundaram stand-alone own damage bike policy

Formerly known as Royal Sundaram Insurance Firm Limited, Royal Sundaram General Insurance Co. Ltd is a general insurance company based in India. It was first promoted as a joint venture between Sundaram Finance and Sundaram Finance in 2000. Individuals and businesses have benefited from Royal Sundaram's innovative general insurance products.

What is meant by a stand-alone own damage bike policy in royal Sundaram?

A third-party Bike insurance coverage is the bare minimum to satisfy the regulatory insurance requirement, but it only protects you from legal and financial liability for damages committed to the other person and their vehicle. You must acquire a standalone own damage Bike insurance policy over a third-party insurance plan to protect your own vehicle and cover the costs of repair, replacement of parts, or procurement of spare parts.

Benefits of buying a stand-alone own damage policy from Royal Sundaram.

One-time payment- Policyholders can buy and renew insurance for a bike for a period of two or five years.

Quick claim settlement-Royal Sundaram’s claim settlements are processed within 10 days of working.

Digitally enabled process- All bike insurance policies are available online through the website of the Quickinsure insurance broker company.

Unlimited claims- Royal Sundaram will offer unlimited claims to its customers provided the terms and conditions of the policy are met.

Easy Renewal- Customer can renew their two-wheeler insurance online within minutes without the requirement of any paperwork. Just contact the quickinsure company, pay the premium, and the policy is renewed instantly

How to purchase a stand-alone own damage policy from royal Sundaram?

Step 1 – Visit from your browser.

Step 2- Select the private bike option on the home page of and enter your vehicle registration number according to your Registration Certificate (RC).

Step 3- Select the quote of Royal Sundaram from the multiple insurance companies' quotes that will appear on the next page after you input the details.

Step 4- Fill out the proposal form once you select the quotation and enter your correct details.

Step 5 – Click on Pay Now once you cross-check your details. You will receive the policy on your email ID once the payment is done. In case of any query raise it to

 Coverage of Stand Alone Own Damage Policy in Royal Sundaram

Protection from Inflation- The policyholder does not need to pay an extra premium even if there is an increase in third-party premium during the policy tenure.

Royal Sundaram insurance offers you additional optional add-on covers. Like zero depreciation add-on cover.

No Claim Bonus discount can be availed for every claim-free year and NCB is transferable from one insurer to another insurance company.

Personal accident cover is optional. It provides cover to the driver or owner while driving the bike including mounting or dismounting from the vehicle. Royal Sundaram will opt for CPA cover up to 15 lakh.

Exclusions under Stand-Alone Own Damage Policy in Royal Sundaram

Royal Sundaram will not provide coverage if you operate your two-wheeler outside of the limitations outlined in the policy.

If you operate your two-wheeler while under the influence of drugs or alcohol and have an accident, Reliance will not accept any claims in Royal Sundaram for damages incurred as a result of your actions.

Regular servicing is the responsibility of the two-wheeler owner, and no claim can be made for normal wear and tear or depreciation.

Unless the bike is stolen at the same time, Royal Sundaram insurance does not cover loss or damage to two-wheeler accessories caused by housebreaking, burglary, or theft.


1. Does Stand Alone own damage insurance covers also include Personal Accident cover?

The updated regulations made mandatory personal accident cover. You can opt to include this while purchasing your Standalone Own Damage two-wheeler insurance policy, but it is advisable to check if it was already included in your third-party cover.

2. What are the eligibility criteria to buy Own Damage Insurance?

For any vehicle which already has a valid third-party policy associated with it, a standalone own damage plan can be purchased.

3. What is the most basic kind of two-wheeler insurance that is available?

A third-party insurance plan is the most basic and with the lowest premium. This is the bare minimum requirement to comply with Indian laws.

4. If my two-wheeler was completely damaged due to an accident. Will the own damage insurance cover losses?

Yes, the stand-alone own damage covers such losses when damages are beyond repair.

5. I have insured a two-wheeler with a third-party cover. Should I buy my own damage insurance policy for a two-wheeler?

Yes, you can buy the optional stand-alone own damage plan. You can switch your third party to a comprehensive policy also.

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