Royal Sundaram Two Wheeler Package Policy

• Loss/damage cover to two-wheeler insured
• Cover for liability to third parties
• Inbuilt personal accident cover for owner cum driver
• Enjoy instant policy issuance
• Protection of No Claim Bonus
• Additional covers to enhance protection
• No documentation or inspection required
• Enjoy cashless settlement in network garages across India
• Quick & hassle-free claims service

Own Damage Cover

Loss or damage to the vehicle insured are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

The insured is entitled to receive ‘No Claim Bonus’ at the time of renewal as per the NCB percentage applicable, which includes 20%, 25%, 35%, 45% & 50%. It is expressed as a percentage of discount on ‘Own Damage’ premium.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Voluntary Deductible Cover: With this add-on cover, you can get 15% to 35% discount on ‘Own Damage Premium’ when you choose to pay Rs 500 to Rs 3,000 as deductible.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the Limitations specified
• Any claim arising out of contractual liability
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss/damage caused by or arising from nuclear weapons material
• War, invasion, act of foreign enemy, etc.