Two-wheeler insurance from Royal Sundaram provides multiple plans offering protection for you, your bike or scooter and also against third-party liabilities.

  • Long-term Covers.
  • Comprehensive Coverage.
  • Cashless Claims.
  • Multiple Add-ons.
  • Hassle-free Claim-settlement.
  • NCB (No-claim Bonus) Transfer.
  • Online Purchase& Renewal.

Royal Sundaram insurance for two-wheelers from Royal Sundaram General Insurance Co. Limited serves millions across India through 3,300+ network garages, 24x7 emergency assistance and other practical offerings.

Royal Sundaram Bike Insurance Features & Advantages

  • Third-party liability and comprehensive plans.
  • Coverage duration of 1 to 5 years.
  • Option to choose long term covers and safety from premium-hikes. 
  • Standalone own-damage cover.
  • Takes care of financial losses due to stolen two-wheelers and during transit.
  • Addresses physical hurt to individuals and liabilities to third-parties when their property gets damaged due to your bike/scooter/auto-cycle accidents.
  • Inbuilt mandatory personal accident covers of 15 lakh rupees.
  • Compensates losses occurring because of natural calamities such as storms, cyclones, typhoons, earthquakes, hailstorms, inundation or lighting and man-made incidents like riots or terrorist attacks.
  • A gamut of add-ons.
  • No-claim bonus.
  • Protection from inflation, no extra premium even if the third-party premium increases during your policy period.
  • Only one policy document for the entire insurance period of 2 to3 years.

Royal Sundaram 2 Wheeler Insurance Policies

  • 5-year Two-wheeler Liability-only Policy: Legally-mandatory as per the Motor Vehicles Act.
  • Also called party-liability-only low-premium insurance.
  • Protects you against damages, bodily harms, injuries or death of third parties because of accidents involving your bike or scooter.
  • Includes others driving the two-wheeler with policyholder's consent and a personal accident cover for driver/owner directly connected with the bike or scooter. 
  • Comprehensive Two-wheeler Insurance Package Policy: Takes care of all the legal liabilities arising out of bodily injuries to and/or property damages of third parties due to accidents involving your ride.
  • Covers accidental losses/damages to your bike or scooter caused by fire/explosion, self-ignition/lightning, burglaries, thefts, riots, strikes, earthquakes (fire/shock damages), floods, storms, hurricanes, typhoons, tempest, inundation, hailstorms, frost, cyclones, malicious/terrorist activities, whilst in transit by road/rail, inland waterways, lifts/elevators/air, landslides and rockslides.
  • Carries a personal accident cover.
  • Standalone Motor Own Damage Policy Two-wheeler: Does not take care of third-party liabilities. The standalone cover can only be purchased once you have long-term third-party insurance.
  • Protects from damages to two-wheelers due to accidents, human-made reasons, thefts and natural calamities.
  • No protection against depreciation, electrical/mechanical breakdowns or damages in instances with drivers under the influence of alcohol/drugs, found underage, or without a valid driving license.

Royal Sundaram Two-wheeler Insurance Add-Ons

Zero-Depreciation: Depreciation does not get calculated while claim-settlement and the entire due claim amount is compensated. 


Bike Insurance Royal Sundaram Major Exclusions

  • Wear/tear, depreciation and consequential losses.
  • Mechanical or electrical breakdowns.
  • Damages caused by an individual driving without a valid license.
  • Driving under the influence of alcohol/drugs.
  • Damages resulting from bike or scooter stunts.
  • Losses/damages attributable to wars, mutinies and nuclear risks.

Sundaram Two-wheeler Insurance Discounts

  • Voluntary Discounts: Applicable if you choose to pay the minimum amount at the time of claim settlement.
  • No-claim Discounts: If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years. 
  • An additional discount if you have a membership with approved automobile associations.

Royal Sundaram Insurance Two-wheeler Premium

The premium for your Royal Sundaram bike insurance policy is based on factors such as the make/model, city, registration date, add-ons and the use of electrical or non-electrical accessories.

One can compare policies and plans by visiting Royal Sundaram’s official website. Alternatively, you may use established online insurance comparison portals like to explore two-wheeler insurance rates, simplify and speed up the process of buying bike or scooter insurance.

Royal Sundaram Two-wheeler Insurance Renewal & Application

One can apply for a new Royal Sundaram two-wheeler policy or prefer Royal Sundaram bike insurance renewal by viewing and comparing quotes online through premier insurance comparison platforms such as

Royal Sundaram Bike Insurance Review

Royal Sundaram's two-wheeler insurance plans are the products from Royal Sundaram General Insurance Co. Limited, earlier known as Royal Sundaram Alliance Insurance Company Limited, the first private sector general insurance enterprise in India licensed in 2000 by the IRDAI.

It undoubtedly carries two decades' experience and expertise, making it one of the more sought-after names for cost-effective yet feature-rich bike or scooter insurance policies.

Sundaram Insurance for Two-wheeler Policies FAQs

Q: Can you please explain the 'compulsory deduction/deductible' under the Royal Sundaram bike insurance policy?

It is the bare minimum amount that gets deducted from the insured individual while making a claim.

Q: What are the specific benefits of securing Royal Sundaram's long-term two-wheeler policy?

It's convenient as you only need to make a one-time insurance premium payment for three years and receive one policy document. You get the no-claim bonus protection and immunity from inflation.

Q: Is there a minimum premium chargeable for Royal Sundaram bike insurance long term policies?

Yes, it is 200 rupees for a 2-year policy and 300 rupees for the 3-year one.

Q: Am I allowed to cancel my existing annual insurance and opt for a long-term policy covering the same risk?

Yes, by paying the necessary premium and subject to the submission of proposal form for long term package policy. Please note, the cancellation of your existing insurance will be on a pro-rata basis and subject to no claim.

Q: What are the two commonly used options for claim intimation with Royal Sundaram?

You may call at 1860 425 0000 or send an email to


Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details.

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