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| Motor Private Car Shield |
Car Shield is a comprehensive package cover designed to offer wider protection to you and your car. It simplifies Motor insurance - making it more convenient and easy to understand and goes with hassle free claims services. The customer relationship is supported by a world class service team that reaches out to you through its help lines.
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| Key Features covered under Motor Car Shield |
- Protection from loss of car or damage to your car – giving you a secured driving
- Unlimited Liability for Third Party death/ injury Claims – giving you full protection beyond expectations
- Indemnity for third party property damage up to a limit of Rs. 7.5 lakhs
- Customer Helpline to give you support and guidance when you need it
- Efficient and worry free claims service to give you peace of mind
- Speedy authorisation of repairs to get your car back on the road
- The security of Personal Accident Cover for you, your friends, your paid driver andthe occupants in the car
- First Information Report – not required (Unless legally mandatory)
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| Extra Benefits |
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 upto 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 from other insurance company on renewal with Royal Sundaram – Carshield Policy
- Discount of 25% on Own Damage Premium for Vintage cars
- Discount of 50% on Own Damage Premium for specifically designed/modified for use by blind/ handicapped/ mentally challenged person
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| Car Shield Policy Coverages |
Loss or damage to your car - The policy cover offers against any loss of/ damage caused to the vehicle due to the following natural and man made calamities
| What is covered |
What is not covered |
- Accidental & External Damage
- Fire & Explosion
- Riot & Strike
- Malicious Act
- Burglary housebreaking/ Theft
- Landslide
- Transit
- Earthquake
- Storm and Flood
- Terrorism
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- Wear & Tear, Depreciation, Mechanical or Electrical Breakdown
- Consequential loss
- A voluntary excess (If opted)
- Other exclusions as per the policy wording
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| Extra Covers offered in car shield policy |
Personal Accidents to Unnamed Passengers and paid driver for a max of Rs. 2 lakhs per person
- Personal Accidents to Named Passengers and paid driver for a max of Rs. 2 Lakhs per person
- Personal Accident Cover to paid drivers
- Legal liability to paid driver employed in connection with the operation of insured private car
- Legal Liability to your Employees of the Insured other than paid driver who may be driving or travelling in the car
- Comprehensive cover for Electrical/Electronic Fittings in the car
- Cover for CNG Kit and Bi-Fuel System which are endorsed in the RC book
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