Extra Benefits of Car Insurance Online

Special Model Wise Discounts on Own Damage Premium for your car Discount in premium up to 5% on the Own Damage Premium (or) Max of Rs. 200/- for a valid Member of Automobile Association of India - Discount in premium up to 2.5% on the Own Damage Premium (or) Max of Rs. 500/- on Installation of Anti-Theft Device in your car - Discount of Rs. 100/- in Third Party Basic Premium on reduction in Limits of Liability for Third Party Property Damage - Discount of 35% on Own Damage Premium subject to a maximum of Rs. 2,500/- on opting maximum voluntary deductible of Rs. 15,000/- Transfer of No Claim Bonus (NCB) from other insurance company on renewal with Royal Sundaram’s Car Insurance Online Policy Car Insurance Online Policy Coverages a) Loss or damage to your car: This policy cover you against any loss or damage caused to the vehicle due to the following natural and man made calamities What is covered What is not covered - Accidental & External Damage - Wear and tear, Depreciation or any consequential loss - Fire & Explosion - Mechanical/ electrical breakdown - Riot & Strike - Damage caused by a person driving the car without a valid license.

Malicious Act - Damage caused by a person driving the car under the influence of alcohol or drugs - Burglary, ousebreaking/ Theft - Other exclusions as per the policy terms and conditions - Landslide - Transit - Earthquake - Storm and Flood - Terrorism b) Liability to Third Parties (Additional Covers) What is covered What is not covered - Legal protection for death or injury claims from third parties, including occupants of your car - Damage to your personal property - Legal protection for damage to third party property - Costs and expenses incurred without our prior written consent - Legal costs and expenses - Other exclusions as per the policy terms and conditions C) Personal Accident Cover to Owner/ Driver: This insurance policy provides compulsory Personal Accident Cover to the owner/ driver whilst driving the vehicle including mounting into/ dismounting from or traveling in the insured vehicle as a co–driver for Rs. 2 lakhs. Extra Covers offered under Car Insurance Online Policy - Personal Accident Cover to Unnamed Passengers and paid driver for a maximum of Rs. 2 lakhs per person - Personal.

Accident Benefits for you, your paid driver and occupants of your car Legal liability to paid driver employed in connection with the operation of insured private car- Legal Liability to the Employees of the Insured other than paid driver who may be driving or travelling in the car - Comprehensive cover for Electrical/ Electronic/ Non-Electrical Fittings in the car- Cover for CNG Kit and Bi-Fuel System which are endorsed in the RC book Damage to your car: Our Car Insurance Policy provides protection for your car from loss or damage caused by misfortunes such as impact, fire, theft, riot, strike, storm, flood, landslide, malicious act and earthquake. Legal Liability to Third Parties: This policy provides for the customers legal protection against death or injury claims from third parties and for damage to third party property up to the limit of Rs. 7.5lakhs. Car Insurance Online also includes cover for your legal costs and expenses agreed by Royal Sundaram. Personal Accident: Under this Online Car Insurance we provide the Owner Driver a Capital Sum Insured of Rs. 2 lakhs for death or permanent total disability.

We also provide an option to insure other named and unnamed occupants of the car for Personal Accident benefits for death and serious injuries. Wider Legal Liability for your Paid Driver: Car Insurance Online also gives you the option to provide for a wider cover of your legal liability to your Paid Driver, over and above what is offered as per the Workmen's Compensation Act. Deductible: Car Insurance Online includes a deductible of Rs.500 for cars not exceeding 1,500cc and Rs.1,000 for cars exceeding 1,500cc. This means that you pay the first amount of each claim for loss or damage to your car. This policy gives you the opportunity to get a discount on the premium if you choose to increase this deductible. The discount is allowed from the Loss or Damage Section premium. There are two types of Motor or Car Insurance. They are:(i) Liability Only Policy - This covers Third Party Liability for bodily injury and death and Third Party Property Damage. Personal Accident cover for Owner-Driver is also included.(ii) Package Policy - This covers Loss or Damage to the vehicle insured (Own Damage) in addition to the Third party cover. It is also known as comprehensive cover.