IRDAI product register · general insurance
Royal Sundaram General Insurance Policy Wordings
IRDAI's non-life product register lists 26 Royal Sundaram products and 35 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Workmen compensation · Money, fidelity and crime · Motor · Crop and rural
Fire and property (3)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Combined Fire and Burglary | IRDAN102RP0002V03200607 | 21 May 2021 | Wording |
| Royal Sundaram Bharat Laghu Udyam Suraksha | IRDAN102RP0015V02202021 | 21 Jul 2022 | Wording |
| Royal Sundaram Bharat Sookshma Udyam Suraksha | IRDAN102RP0014V02202021 | 21 Jul 2022 | Wording |
Shop, office, home and business packages (7)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| 360 Degree Business Shield | IRDAN102RP0025V02100001 | 21 May 2021 | Wording |
| Education Shield | IRDAN102RP0003V03200607 | 21 May 2021 | Wording |
| Enterprise Shield | IRDAN102RP0021V02100001 | 21 May 2021 | Wording |
| Gruh Suraksha Home Insurance Plan | IRDAN102P0003V01201617 | 21 Nov 2016 | Wording |
| Hotel Shield | IRDAN102RP0024V02100001 | 21 May 2021 | Wording |
| Office Shield | IRDAN102RP0022V02100001 | 21 May 2021 | Wording |
| Traders Shield | IRDAN102RP0023V02100001 | 21 May 2021 | Wording |
Workmen compensation (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Employees Compensation Insurance policy | IRDAN102CP0001V01201920 | 8 Aug 2019 | Wording |
Money, fidelity and crime (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Secure Wallet | IRDAN102P0001V01201617 | 26 Sep 2016 | Wording |
Motor (12)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| 3 Years Private Car Liability Only Policy | IRDAN102RP0001V02201819 | 22 Jul 2021 | Wording |
| 3 Years Private Car Liability Only Policy | IRDAN102RP0001V01201819 | 30 Aug 2018 | Wording |
3 Years Private Car Package Policy11 add-ons
| IRDAN102RP0003V01201819 | 30 Aug 2018 | Wording |
| 5 Years Two-Wheeler Liability Only Policy | IRDAN102RP0002V02201819 | 22 Jul 2021 | Wording |
| 5 Years Two-Wheeler Liability Only Policy | IRDAN102RP0002V01201819 | 30 Aug 2018 | Wording |
| 5 Years Two-Wheeler Package Policy | IRDAN102RP0004V01201819 | 30 Aug 2018 | Wording |
| Bundled Private Car Long Term Policy | IRDAN102RP0005V01201819 | 30 Aug 2018 | Wording |
Bundled Two-Wheeler Long Term Policy1 add-on
| IRDAN102RP0006V01201819 | 30 Aug 2018 | Wording |
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN102RP0018V01201819 | 12 Dec 2018 | Wording |
| Long Term Two Wheeler Package Policy | IRDAN102P0002V01201617 | 27 Oct 2016 | Wording |
Stand-alone motor own damage policy - Private Car13 add-ons
| IRDAN102RP0001V01201920 | 9 Aug 2019 | Wording |
| Stand-alone motor own damage policy - Two Wheeler | IRDAN102RP0002V01201920 | 9 Aug 2019 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| PRADHAN MANTRI FASAL BIMA YOJANA | IRDAN102P0001V01201718 | 23 Jun 2017 | Wording |
| RESTRUCTURED WEATHER BASED CROP INSURANCE SCHEME | IRDAN102P0002V01201718 | 23 Jun 2017 | Wording |
Add-ons filed on their own (8)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Depreciation Waiver Clause -Car Shield Private Car Package policy | IRDAN102RP0004V02201617/A0011V03201213 | 24 Jun 2021 | Wording |
| Enhanced PA Cover Clause - Goods Carrying Vehicle | IRDAN102RP0005V02201617/A0017V01201920 | 31 Mar 2020 | Wording |
| Enhanced PA Cover Clause - Miscellaneous & Special Type ofVehicles | IRDAN102RP0006V02201617/A0016V01201920 | 31 Mar 2020 | Wording |
| Enhanced PA Cover Clause - Passenger Carrying Vehicle | IRDAN102RP0007V02201617/A0014V01201920 | 31 Mar 2020 | Wording |
| Enhanced PA Cover Clause - Private Car Package policy | IRDAN102RP0004V02201617/A0020V01201920 | 31 Mar 2020 | Wording |
| Enhanced PA Cover Clause - Two Wheeler Package policy | IRDAN102RP0001V01200607/A0015V01201920 | 31 Mar 2020 | Wording |
| Roadside Assistance Cover Clause | IRDAN102RP0004V02201617/A0001V01202223 | 21 Jul 2022 | Wording |
| Tyre Cover Clause - Private Car | IRDAN102A0003V01201718 | 29 Aug 2017 | Wording |
Names in the register
IRDAI registration number 102. Filed as: Royal Sundaram General Insurance Co. Limited; Royal Sundaram General Insurance Co. Ltd.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find Royal Sundaram policy wordings?
Above: every Royal Sundaram product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many Royal Sundaram general insurance products are in IRDAI's register?
26 products and 35 add-ons, approved 2016 to 2022.
Which lines of cover does Royal Sundaram file most?
By number of products in the register: motor 12, shop, office, home and business packages 7, fire and property 3, crop and rural 2.
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