Online car insurance

• Key Features of Car Insurance Online
  Car Insurance Online/Auto Insurance governed by the India Motor Tariff Act. The key features are: 
    - Protection from loss of car or damage to your car with Auto Car Insurance plan
    - Unlimited Liability for Third Party death/ injury Claims with Auto Car Insurance policy
    - Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs
    - Speedy authorisation of repairs to get your car back on the road
    - Personal Accident Cover for you, your paid driver and the occupants in the car
    - Customer Helpline to give you support and guidance when you need it
    - Efficient and worry free claims service to give you peace of mind only with Auto Car Insurance plan from Royal Sundaram
    - First Information Report is not required (Unless legally mandatory)
• Extra Benefits of Car Insurance Policy Online
     - Special Model Wise Discounts on Own Damage Premium for your car only with Auto Car Insurance plan
     - 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 with Auto Car Insurance plan
     - 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 Policy Online
• Car Insurance Online Policy Coverages
  a) Loss or damage to your car: This Auto Car Insurance policy cover you against any loss or damage caused to the vehicle due to the following natural and man made calamities

• What is covered in Auto Car Insurance Policy	What is not covered in Auto Car Insurance Policy
  - 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, housebreaking/ Theft	- Other exclusions as per the policy terms and conditions
  - Landslide
  - Transit
  - Earthquake
  - Storm and Flood
  - Terrorism

• 
  b) Liability to Third Parties (Additional Auto Insurance Policy Covers)

• What is covered in Auto Car Insurance Policy	What is not covered in Auto Car Insurance Policy
  - Legal protection for death or injury claims from third parties	- 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