Two-Wheeler Insurance from Royal Sundaram policy is a package cover designed to offer wide protection for the insured vehicle against loss or damage to the vehicle and liability caused by road accidents. Convenient and easy to understand, with easy documentation and hassle-free claims and customer service.

Key Features

• Damage to your two-wheeler
• Legal Liability to Third Parties
• Personal Accident Cover to Owner Driver
• PA cover can be availed for pillion

Key Features in Detail

Section 1: Own Damage Plan will cover the accidental loss or damage to your two-wheeler caused by any of the following: Fire, explosion, self-ignition, lightening, burglary housebreaking or theft, riot and strike, earthquake (fire and shock damage), flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, accidental external means, malicious act, terrorist activity, whilst in transit by road rail inland-waterway lift elevator or air, landslide, or rockslide.

Section 2: Liability to Third Parties Provides cover for any legal liability arising out of the use of the vehicle for: Death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where such death or injury arises out of and in the course of the employment of such person by the Insured.
Damage to property other than property belonging to the Insured or held in trust or in the custody or control of the Insured.

Section 3: Personal Accident Cover In the unfortunate event of death and or permanent total disability of owner-driver arising out of an accident while traveling on your two-wheeler, we will pay the specified Sum Insured to you/ your legal heir. You can also opt for a personal accident cover for passengers as well as paid drivers. Secure yourself with personal accident cover for a minimum of Rs.15 lakh.

ADD-ON COVERS:

Damage to your Vehicle: At Royal Sundaram, we now have a comprehensive Two-wheeler Insurance for you with the optional add-on covers below.

Two-Wheeler

• Depreciation Waiver Cover
• Engine Protector
• Loss of Income
• EMI Protector
• Enhanced Personal Accident Cover

MAJOR EXCLUSIONS:

• Any loss or damage caused outside the geographical area.
• Any loss or damage arising out of your two-wheeler.
  • o Not being used as per the limitations to use.
  • o Being driven by any person other than a driver as stated in the driver’s clause.
• Any consequential loss, depreciation, wear, and tear, mechanical or electrical breakdown failures or breakages.
• Any accidental loss or damage suffered whilst the Insured or any person driving the vehicle with the knowledge and consent of the Insured is under the influence of intoxicating liquor or drugs.
• Any loss or damage to accessories unless specialty covered in the policy.
• Other exclusions as listed in the policy wordings.

Disclaimer

Insurance is the subject matter of solicitation. Two-Wheeler Long Term Package Policy (UIN- IRDAN102P0002V01201617) is underwritten and issued by Royal Sundaram General Insurance Co. Limited. Claims will be settled by Royal Sundaram General Insurance Co. Limited as per the terms and conditions of the policy. Please refer to the policy document for exact terms and conditions and specific details applicable to this Insurance. Your participation in this insurance product is purely on a voluntary basis. We advise you to take your own professional advice before you participate. Royal Sundaram General Insurance Co. Limited, Two-Wheeler Long Term Package Policy (UIN- IRDAN102P0002V01201617) product of Royal Sundaram is approved by IRDAI.

City Union Bank is Registered with Insurance Regulatory and Development Authority of India bearing Registration Number CA0023 is the corporate agent of Royal Sundaram General Insurance Co. Limited and does not underwrite the risk or act as an insurer. Registered Address: 149, TSR Big Street, Kumbakonam 612001. Participation by the clients of City Union Bank in the insurance product is purely on voluntary basis. The Contract of Insurance is between Royal Sundaram General Insurance Co. Limited and the insured and not between City Union Bank and the insured.

Royal Sundaram General Insurance Co. Limited, Two-Wheeler Long Term Package Policy (UIN- IRDAN102P0002V01201617) is a product underwritten and issued by Royal Sundaram General Insurance Co. Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank.

BEWARE OF SPURIOUS PHONE CALLS & FICTITIOUS / FRAUDULENT OFFERS

• IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
• SECTION 41 OF THE INSURANCE ACT 1938, as amended by the Insurance Laws (Amendment) Act 2015 - PROHIBITION OF REBATES
• • No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an Insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.
• • Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to ten lakh rupees.



ISNP registration valid.