As the monsoon season sets in, driving conditions in India become increasingly unpredictable, with above-average rainfall leading to flooding, waterlogged roads, and engine trouble. According to Royal Sundaram, a leading car insurance provider, this year’s southwest monsoon was 8% above the long-term average, with 35% of the country receiving excess rainfall. This increases the likelihood of accidents, vehicle damage, and road disruptions. To protect vehicles and ensure road safety, Royal Sundaram’s Chief Claims Officer, Mallikarjun Mallannavar, advises vehicle owners to take extra precautions.

To keep vehicles safe during the monsoons, Royal Sundaram recommends the following tips:

1. Maintain proper tire pressure: Underinflated or worn-out tires can lead to hydroplaning on wet roads, causing the vehicle to lose traction.
2. Regular brake checks: Brakes are crucial on slick roads, and regular checks can help prevent accidents.
3. Park vehicles properly: Avoid parking in low-lying areas prone to flooding and use waterproof covers if necessary.
4. Monitor battery health: Moisture and humidity can cause battery corrosion, affecting the vehicle’s performance.
5. Follow safe driving protocols: Use low-beam lights, keep windows clean, and maintain smooth acceleration and braking to prevent skidding.

Despite taking precautions, unforeseen circumstances like sudden floods or waterlogging can still pose risks to vehicles. To mitigate these risks, Royal Sundaram recommends opting for comprehensive motor insurance, which offers a preferred garage network, cashless repairs, and warranty on replacement parts. By taking these precautions and having the right insurance coverage, vehicle owners can drive with assurance and peace of mind during the monsoon season.

Royal Sundaram has been providing car insurance for over two decades, serving over 2 million happy customers. Their comprehensive motor insurance policy is designed to protect vehicles and owners from the risks associated with monsoon driving. With a hassle-free claims process and exceptional service, Royal Sundaram is the ideal choice for vehicle owners looking to stay protected during the monsoon season.

The monsoon season in India poses significant challenges for car owners, with heavy rains and flooding affecting nearly 90% of cities. This can lead to vehicle wear and tear, and subsequent repair expenses can be substantial. To mitigate these risks, having the right insurance coverage is crucial. Royal Sundaram offers innovative motor insurance add-ons that provide extra protection for vehicles during the monsoons.

One such add-on is the Depreciation Waiver Cover, which allows customers to claim the full value of plastic and metal parts without any deduction for depreciation during an accident claim. This means that customers can receive the complete cost of part replacement towards accidental repairs, regardless of their vehicle’s age.

Another useful add-on is the Windshield Glass Cover, which ensures that if a car’s windshield breaks, it can be repaired or replaced without affecting the No Claim Bonus (NCB). This cover is especially beneficial as it protects the accumulated bonus despite making a claim.

The Aggravation Cover is also essential for monsoon protection, as it insures a vehicle’s internal parts against water damage and accidental leaks. This cover includes damages to internal parts of the engine, gearbox, transmission/differential, and power steering pump, and provides compensation for repairs or replacement of these parts due to leakage of lubricating oil or coolant, water ingression while driving, and labor costs for repairs/replacement.

Royal Sundaram’s Chief Claims Officer, Mallikarjun Mallannavar, emphasizes the importance of having the right insurance coverage during the monsoons, stating that the company’s add-ons are designed to help customers stay secure and drive with confidence, regardless of the weather forecast. With these add-ons, car owners can drive with peace of mind, knowing that they are well-protected against the challenges of the monsoon season.

Overall, Royal Sundaram’s motor insurance add-ons provide comprehensive protection for vehicles during the monsoons, and are an essential consideration for car owners in India. By opting for these add-ons, customers can ensure that they are well-prepared for the risks associated with the monsoon season, and can drive with confidence and peace of mind.

In India, the monsoon season brings numerous challenges for car owners, including heavy rainfall, unpredictable weather, and sudden flooding. According to a recent survey, 68% of respondents reported significant vehicle wear and tear, as well as related costs, due to these seasonal issues. To mitigate these risks, having the right insurance coverage is crucial. Royal Sundaram offers a range of add-ons that provide extra protection for vehicles during the monsoons.

One such add-on is the Depreciation Waiver Cover, which allows car owners to claim the full value of plastic and metal parts without any deduction for depreciation in the event of an accident. This means that car owners can receive the complete cost of replacement parts, regardless of their vehicle’s age. Another add-on is the Windshield Glass Cover, which enables car owners to repair or replace their windshield glass without affecting their No Claim Bonus (NCB).

The Aggravation Cover is also essential for monsoon driving, as it insures a vehicle’s internal parts against water damage and accidental leaks. This cover provides compensation for repairs or replacement of engine, gearbox, transmission, and power steering pump parts due to leakage of lubricating oil or coolant, water ingression, or other accidents.

Royal Sundaram’s Chief Claims Officer, Mallikarjun Mallannavar, emphasizes the importance of having the right insurance coverage during the monsoons. He notes that the company’s add-ons are designed to help customers stay secure and drive with confidence, regardless of the weather forecast. With these add-ons, car owners can enjoy peace of mind knowing that they are protected against unexpected expenses and damages.

In conclusion, the monsoon season poses significant risks to car owners in India, but with the right insurance coverage, these risks can be mitigated. Royal Sundaram’s add-ons provide essential protection for vehicles, enabling car owners to drive with confidence and security. By investing in these add-ons, car owners can ensure that they are well-prepared for the challenges of monsoon driving and can enjoy a stress-free driving experience.

As the monsoon season approaches, it’s essential to take necessary precautions to keep your vehicle safe and insured. Royal Sundaram’s guide provides valuable tips to help you avoid common mistakes that can lead to damage or loss.

Firstly, it’s crucial to ensure that your vehicle is properly insured. Check your policy to see if it covers flood damage, and consider purchasing a comprehensive insurance plan that includes coverage for natural disasters. Additionally, make sure to renew your policy on time to avoid any lapses in coverage.

Before the monsoon season begins, it’s a good idea to prepare your vehicle for the heavy rainfall and potential flooding. Check your vehicle’s electrical systems, including the battery, wiring, and lights, to ensure they are in good working condition. Also, inspect your vehicle’s tires, brakes, and suspension to ensure they are in good condition.

During the monsoon season, it’s best to avoid driving through flooded areas, as this can cause significant damage to your vehicle’s engine and electrical systems. If you must drive through flooded areas, make sure to drive slowly and avoid splashing water on your vehicle’s electrical systems.

It’s also essential to keep your vehicle’s documents, including your insurance policy, vehicle registration, and driver’s license, in a safe and dry place. Consider keeping digital copies of these documents in case the physical copies get damaged or lost.

In the event of an accident or damage to your vehicle during the monsoon season, it’s crucial to follow the correct procedures to file a claim. Notify your insurance provider as soon as possible, and provide them with all the necessary documentation, including photos of the damage and a police report if required.

By following these tips, you can help keep your vehicle safe and insured during the monsoon season. Remember to always prioritize your safety and the safety of your vehicle, and avoid common mistakes that can lead to damage or loss. With the right preparation and insurance coverage, you can enjoy a safe and stress-free monsoon season.

Royal Sundaram’s guide provides a comprehensive checklist to help you prepare your vehicle for the monsoon season, including tips on how to drive safely, how to maintain your vehicle, and how to file a claim in case of an accident. By being proactive and taking the necessary precautions, you can minimize the risks associated with driving during the monsoon season and ensure that your vehicle remains safe and insured.

As the monsoon season sets in, driving conditions become increasingly unpredictable, posing unique risks to vehicles, including sudden flooding, waterlogged roads, and engine trouble. This year’s southwest monsoon has been 8% above the long-term average, with approximately 35% of the country receiving excess rainfall, increasing the likelihood of accidents, vehicle damage, and road disruptions. To mitigate these risks, vehicle owners must take extra precautions to protect their vehicles and ensure road safety.

Royal Sundaram, a leading car insurance provider, has been serving over 2 million happy vehicle owners for over two decades. According to Mallikarjun Mallannavar, Chief Claims Officer at Royal Sundaram, “As the monsoon season intensifies with above-average rainfall, vehicle owners must take extra precautions to avoid costly damage and ensure road safety.” The company offers expert tips to help vehicle owners keep their vehicles safe and protected during the monsoon season.

Some of the key tips include maintaining the right tire pressure to prevent hydroplaning, getting brakes checked regularly to ensure optimal performance, and parking vehicles in covered areas to prevent damage from flooding. Additionally, monitoring battery health and following the right driving protocols, such as using low-beam lights and maintaining smooth acceleration and braking, can help prevent accidents and damage.

Despite taking precautions, unforeseen circumstances like sudden floods or severe waterlogging can still pose risks to vehicles. In such cases, having comprehensive motor insurance can provide peace of mind and protection. Royal Sundaram’s comprehensive motor insurance offers a range of benefits, including a preferred garage network for hassle-free repairs, free pickup and drop-off for insured vehicles, and cashless repairs.

By taking extra precautions and opting for comprehensive motor insurance, vehicle owners can stay protected during the monsoon season and drive with assurance, knowing they are covered for whatever the weather may bring. As Mallikarjun Mallannavar advises, “To safeguard your vehicle during the monsoon, consider taking additional precautions, such as parking your vehicle away from flood-prone areas, ensuring regular maintenance and servicing, and staying updated with weather alerts to avoid venturing out in hazardous conditions.” By following these tips and having the right insurance coverage, vehicle owners can enjoy a safe and stress-free driving experience, even in the challenging monsoon season.

As the Indian summers continue to intensify, with over 200 heatwave days recorded in 2023, car owners are advised to take proactive steps to protect their vehicles from the extreme heat. Prolonged exposure to high temperatures can lead to expensive repairs and safety hazards, affecting the battery life, tyre pressure, and engine performance. To mitigate these effects, car owners can take several precautionary steps, including parking in the shade, ventilating the car before driving, checking coolant and engine oil levels, monitoring tyre pressure, using protective covers, and regular battery checks.

Royal Sundaram’s Summer Protection Cover offers comprehensive protection for vehicles against heat-related damages. The policy covers damages resulting from fire incidents, including those caused by self-ignition, and provides protection for the engine and cooling system. Additionally, the policy covers tyre damage, battery and electrical component protection, and interior and exterior damage reimbursement. However, it is essential to note that wear and tear due to heat may not be covered, and car owners should consider inquiring about add-ons or specific coverage options.

The importance of insurance in protecting vehicles from extreme weather conditions cannot be overstated. With heatwaves expected to intensify in the coming years, investing in a Summer Protection Cover can ensure the longevity and resilience of vehicles, providing peace of mind for car owners. Royal Sundaram’s Car Insurance policies offer a range of benefits, including fire and self-ignition protection, engine and cooling system coverage, and tyre damage assistance.

To stay ahead of the heat, car owners should prioritize regular maintenance, use heat-resistant accessories, and consider investing in a comprehensive insurance policy. By taking these proactive steps, car owners can safeguard their vehicles from costly damage and ensure a smooth driving experience, even in extreme weather conditions. As Shubham Moondra, Chief Product Officer at Royal Sundaram, emphasizes, “Investing in a Summer Protection Cover ensures your vehicle remains resilient against extreme weather conditions, providing longevity and peace of mind.” By staying insured and taking proactive measures, car owners can drive confidently, no matter how high the mercury rises.

Royal Sundaram General Insurance has announced the appointment of Vedanarayanan Seshadri, also known as Veda, as its new Managing Director. With over 30 years of experience in the banking and insurance sectors, Veda brings a wealth of knowledge and expertise to the role. His extensive background in the industry includes 15 years of leadership experience, where he has worked in various areas such as distribution, business growth, and digital operations.

Veda’s appointment has been welcomed by Harsha Viji, Executive Vice Chairman of Sundaram Finance, the promoters of Royal Sundaram. Viji expressed confidence that Veda’s understanding of the insurance market and his experience in the sector would be a significant asset to the company. Viji believes that Veda’s leadership will help take Royal Sundaram to the next phase of growth, leveraging his expertise to drive the company forward.

As the new Managing Director, Veda has outlined his vision for the company’s future. He plans to work closely with the team and the board to focus on the company’s next phase of growth, profitability, and consolidation. Veda recognizes the tremendous potential in the insurance market and is committed to harnessing this potential to drive Royal Sundaram’s success.

With Veda at the helm, Royal Sundaram is poised to embark on a new chapter of growth and expansion. His experience and expertise will be invaluable in navigating the complexities of the insurance market and capitalizing on emerging trends and opportunities. As the company looks to the future, Veda’s leadership will be instrumental in shaping Royal Sundaram’s strategy and direction.

Overall, Veda’s appointment as Managing Director of Royal Sundaram General Insurance is a significant development for the company. His experience, expertise, and vision for the future make him an ideal candidate to lead the company into its next phase of growth and success. With Veda at the helm, Royal Sundaram is well-positioned to achieve its goals and establish itself as a leading player in the insurance industry.

The State Consumer Disputes Redressal Commission, Mumbai bench, has ruled in favor of the complainant, Mahesh Dashrath Gaikwad, in a case against Royal Sundaram General Insurance Co. Ltd. The complainant’s vehicle, a Mitsubishi Pajero Sport, was insured with the company under a policy valid from May 13, 2016, to May 12, 2017. On March 25, 2017, the vehicle was detained by the police during a municipal corporation meeting, and it caught fire due to an electric short circuit on the night of March 28, 2017, while in police custody.

The insurer repudiated the claim, stating that the vehicle was used for unlawful purposes on the date of the incident. However, the commission observed that there was no evidence to support this claim, and the police authorities and fire brigade officials confirmed that the fire occurred due to an electric short circuit and not due to the complainant’s negligence.

The commission addressed three key issues: whether the complainant was a “consumer” under the Consumer Protection Act, 1986, whether the complaint was within the limitation period, and whether there was a deficiency of service by the insurer. The commission held that the complainant was a consumer, as there was no evidence to suggest that the vehicle was purchased for commercial purposes. The complaint was also found to be within the limitation period, as it was filed within five months of the cause of action.

Regarding the deficiency of service, the commission examined the evidence and found that the fire occurred due to an electric short circuit, and there was no nexus between the fire accident and any unlawful act. The commission relied on official records, which carry a presumption of correctness, and observed that the surveyor’s report was not binding. The insurer was held liable for deficiency in service for failure to indemnify the complainant despite payment of full premium and the loss being covered under the policy.

The commission allowed the complaint, ordering the insurer to pay the insured declared value of Rs. 24,84,250, Rs. 2,00,000 as compensation for mental agony, and Rs. 50,000 as litigation costs. The case highlights the importance of insurers carefully examining the evidence and not repudiating claims without sufficient grounds. It also underscores the role of consumer commissions in protecting the rights of consumers and ensuring that insurers provide fair and reasonable services.

Royal Sundaram, India’s first private general insurance company, has completed 25 years of operations. The company was launched in 2000, marking a significant milestone in the country’s insurance landscape. At that time, the Indian insurance market was dominated by public sector companies, and Royal Sundaram’s entry paved the way for private players to participate in the segment.

Over the years, Royal Sundaram has established itself as a reputable and trusted brand, offering a wide range of general insurance products, including health, motor, home, and travel insurance, among others. The company has been at the forefront of innovation, introducing new products and services that cater to the evolving needs of its customers.

Royal Sundaram has also been committed to providing excellent customer service, with a strong focus on claims settlement and customer support. The company has a vast network of branches, agents, and brokers across the country, making its products and services accessible to a large segment of the population.

In its 25-year journey, Royal Sundaram has achieved several milestones, including becoming one of the first insurance companies in India to offer online policies and claims settlement. The company has also been recognized for its efforts in promoting insurance awareness and financial inclusion, particularly in rural areas.

Today, Royal Sundaram is part of the Sundaram Finance Group, one of India’s leading financial services conglomerates. The company continues to grow and expand its operations, with a strong focus on digital transformation and innovation. With its rich experience and expertise, Royal Sundaram is well-positioned to capitalize on the growing demand for general insurance products in India.

As the Indian insurance market continues to evolve, Royal Sundaram’s 25-year milestone serves as a testament to the company’s commitment to its customers and its role in shaping the country’s insurance landscape. With its strong foundation, innovative approach, and customer-centric focus, Royal Sundaram is poised to remain a leading player in the Indian general insurance market for years to come.

The company’s completion of 25 years is a significant achievement, and it reflects the company’s ability to adapt to changing market conditions, regulatory requirements, and customer needs. Royal Sundaram’s journey is an inspiration to other private insurance companies in India, and its legacy will continue to shape the country’s insurance industry in the years to come.