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Important Notes:
For preferred insurers, Comprehensive and SAOD pay-out will be as per the monthly slab (other than the insurers in the deviation list)
Any Insurer other than mentioned in the Slab or deviation list shall be considered as Non-Preferred
All non-preferred Insurers payout is capped at 15% on OD for Comprehensive and SAOD and 1.5% for Third Party
Tata AIG payout is capped at 10% on OD
Payout is 0% for diesel vehicles in Shriram
Universal Sompo capped on 10% on OD
Deviation List
Fuel Type & Pay-out (on OD)
Insurer Policy Type Location
Make/Model Restriction
1NOP - 20% MH, GJ,DD,DN,GA MP,Andaman & Ni cobar
2 NOP - 4 NOP- 22.5% AP, TS, TN,PY, KA, KL
Comprehensive & SAOD All Fuel Types
BR, JH,WB, OD,AS, AR, TR, ML,MZ,MN,SK
Above 4 NOP - 25%
RJ
1NOP - 17%
IFFCO CG
Comprehensive & SAOD All Fuel Types 2 NOP - 4 NOP- 19%
CH,HR,HP,JK,DL
Above 4 NOP - 21%
1NOP - 10%
Comprehensive & SAOD All Fuel Types 2 NOP - 4 NOP- 10% PB, UP, UK
Above 4 NOP - 10%
Comprehensive Petrol 20% HR, Punjab excluding Amritsar, UP, NCR, MP exclu Indore, RJ
excl Jaipur, Tripura, Meghalaya, Mizoram, CG,GJ,TN,KL,
HDFC Comprehensive Diesel/Non Petrol 13% Coimbatore, Karnataka exc Bangalore
DL,HP,CH,JK,UK,Amritsar,Indore,Jaipur,Nagaland,JH,Arunachal
SAOD Petrol 15%
Pradesh, BR, Assam, Manipur,West Bengal,Sikkim, OD, MH,GA,
SAOD Diesel/Non Petrol 10.0% Daman & Diu, DD DN, Andaman & Nicobar, TS,AP,Bangalore
SAOD Petrol 10% HR, Punjab excluding amritsar, UP, NCR, MP exclu Indore, RJ excl
Jaipur, Tripura, Meghalaya, Mizoram, CG,GJ,TN,KL, Coimbatore,
SAOD Diesel/Non Petrol 6% Karnataka exc Bangalore
With NCB - Non Highend (All fuel types) 30% Pan India
COMPREHENSIVE
With NCB- Highend (All fuel types) 20% Pan India
SAOD With NCB (All fuel types) 20% Pan India
Bajaj
COMPREHESIVE & SAOD Without NCB (Petrol) 15% Pan India
COMPREHESIVE & SAOD Without NCB (Non Petrol) 7.5% Pan India
Digit COMPREHESIVE & SAOD High-End (All Fuel Type) 15% Pan India
Comprehensive Non-Diesel (NCB&non NCB); NCB Diesel 15.0% MP exl Indore, CG, TN (excl Coimbatore & Chennai), KL
Himachal Pradesh Petrol - 24%, Non Petrol - 15% - - 5% (Non-Diesel) - (only Non Diesel) - 8% 8%
27% (Non Diesel) in Kashmir, (only Non Diesel) - JK-01, JK-
Jammu & Kashmir Petrol - 24%, Non Petrol - 15% 10% 15% (Non-Diesel) 27% 8%
16% (All fuel type) in Jammu 16 -- 20%
North Non Diesel - Less than 1000cc -
27% PB65,80 - 27% (Non
Chandigarh Petrol - 24%, Non Petrol - 15% - More than 1000 cc - 32% 15% - Diesel); 20% (Diesel) 6%
Diesel -More than 1500 cc - (only Non Diesel) CH01 to
20% CH05 - 22%
Non Diesel - Less than 1000cc -
Amritsar Only -- ( Petrol - 24%, Ludhiana - 15% all **Petrol (Non Diesel) ;
27%
Non Petrol - 15%) fuel types Punjab1 -30%
Punjab 15% More than 1000 cc - 32% 27% 6%
Rest of Punjab - Petrol - 17%, Punjab Excl Ludhiana- Petrol ; Punjab2- 26%
Diesel -More than 1500 cc -
Non Petrol- 5% 10% only Non-Diesel Petrol ; Punjab3- 15%
20%
Dadra & Nagar Haveli Petrol - 24%, Non Petrol - 15% - 24% - - - 8%
Daman and Diu Petrol - 24%, Non Petrol - 15% - - - - - 8%
Andaman Petrol - 24%, Non Petrol - 15% 10% 25% - - - 6%
Applicable for all Online/Offline cases. No conditions
All the RTOs and Models which are declined and not mentioned pay-out will be 1.5% if the vehicle age is greater than 3yrs
Royal Sundaram- East Zone Locations Royal Sundaram-South Zone Locations
Location_Category City State Location_Category City State
Preferred Location 1 24 Parganas West Bengal Preferred Location 1 Vizag AP & Telangana
Preferred Location 1 Hooghly West Bengal Preferred Location 1 Krishna AP & Telangana
Preferred Location 1 Howrah West Bengal Preferred Location 1 Guntur AP & Telangana
Preferred Location 1 Kolkata West Bengal Preferred Location 2 Hyderabad AP & Telangana
Preferred Location 1 Ranchi Jharkhand Preferred Location 2 Bengaluru Karnataka
Preferred Location 1 Dehradun Uttarakhand Preferred Location 2 East & West Godavari Dist. AP & Telangana
Preferred Location 2 Entire State of Bihar Bihar Preferred Location 2 Rangareddy AP & Telangana
Preferred Location 2 Bhubaneswar Orissa Preferred Location 2 Nellore AP & Telangana
Preferred Location 2 Rest of Jharkhand Jharkhand Preferred Location 2 Calicut Kerala
Preferred Location 2 Haridwar Uttarakhand Preferred Location 2 Chennai Tamil Nadu
Preferred Location 3 Entire State of Chattisgarh Chattis garh Preferred Location 2 Kanchipuram Tamil Nadu
Preferred Location 3 Rest of Odisha Orissa Preferred Location 3 Medak AP & Telangana
Preferred Location 3 Rest of Uttarakhand Uttarakhand Preferred Location 3 Chittoor AP & Telangana
Preferred Location 3 Tripura Tripura Preferred Location 3 Mysuru Karnataka
Preferred Location 3 Sikkim Sikkim Preferred Location 3 Rest of Kerala Kerala
Preferred Location 3 Nagaland Nagaland Preferred Location 4 Rest of AP & Telangana AP & Telangana
Preferred Location 4 Rest of West Bengal West Bengal Preferred Location 4 Rest of Karnataka Karnataka
Declined Geographies Assam Assam Preferred Location 4 Rest of Tamil Nadu Tamil Nadu
Preferred Location 4 Rest of India Rest of India Preferred Location 4 Pondicherry Pondicherry
DIGIT RTO's
RTO List RTO List RTO List RTO List RTO List RTO List RTO List
CG04 Good CG MP09 Good MP UP01 UP52 Good UP KA06 KA37 Bad KA RJ01 RJ29 Bad RJ PY01 TN55 Bad TN UA01 UP17 Bad UP & UK
CG07 Good CG MP23 Good MP UP02 UP54 Good UP KA07 KA38 Bad KA RJ02 RJ30 Bad RJ PY02 TN56 Bad TN UA02 UP18 Bad UP & UK
CG10 Good CG MP26 Good MP UP03 UP55 Good UP KA08 KA39 Bad KA RJ03 RJ31 Bad RJ PY03 TN57 Bad TN UA03 UP19 Bad UP & UK
CG12 Good CG UP04 UP56 Good UP KA10 KA40 Bad KA RJ04 RJ32 Bad RJ PY04 TN58 Bad TN UA04 UP21 Bad UP & UK
UP05 UP57 Good UP KA11 KA44 Bad KA RJ05 RJ33 Bad RJ PY05 TN59 Bad TN UA05 UP22 Bad UP & UK
RTO List RTO List UP06 UP58 Good UP KA13 KA46 Bad KA RJ06 RJ34 Bad RJ TN15 TN60 Bad TN UA06 UP23 Bad UP & UK
KA09 Good KA TN01 Good TN UP08 UP60 Good UP KA14 KA47 Bad KA RJ07 RJ35 Bad RJ TN16 TN61 Bad TN UA09 UP25 Bad UP & UK
KA12 Good KA TN02 Good TN UP09 UP61 Good UP KA15 KA48 Bad KA RJ08 RJ36 Bad RJ TN19 TN63 Bad TN UA10 UP37 Bad UP & UK
KA19 Good KA TN03 Good TN UP10 UP62 Good UP KA16 KA49 Bad KA RJ09 RJ37 Bad RJ TN20 TN64 Bad TN UA11 UP38 Bad UP & UK
KA20 Good KA TN04 Good TN UP20 UP63 Good UP KA17 KA52 Bad KA RJ10 RJ38 Bad RJ TN21 TN65 Bad TN UA12 UP53 Bad UP & UK
KA42 Good KA TN05 Good TN UP24 UP64 Good UP KA18 KA54 Bad KA RJ11 RJ39 Bad RJ TN22 TN66 Bad TN UA13 UP75 Bad UP & UK
KA43 Good KA TN06 Good TN UP26 UP65 Good UP KA21 KA56 Bad KA RJ12 RJ40 Bad RJ TN23 TN67 Bad TN UK01 UP76 Bad UP & UK
KA45 Good KA TN07 Good TN UP27 UP66 Good UP KA22 KA62 Bad KA RJ13 RJ42 Bad RJ TN24 TN68 Bad TN UK02 UP77 Bad UP & UK
KA55 Good KA TN09 Good TN UP28 UP67 Good UP KA23 KA63 Bad KA RJ15 RJ44 Bad RJ TN25 TN69 Bad TN UK03 UP79 Bad UP & UK
TN10 Good TN UP30 UP70 Good UP KA24 KA64 Bad KA RJ16 RJ46 Bad RJ TN27 TN70 Bad TN UK04 UP80 Bad UP & UK
RTO List TN11 Good TN UP31 UP71 Good UP KA25 KA65 Bad KA RJ17 RJ47 Bad RJ TN28 TN72 Bad TN UK05 UP81 Bad UP & UK
RJ14 Good RJ TN12 Good TN UP32 UP72 Good UP KA26 KA66 Bad KA RJ18 RJ48 Bad RJ TN29 TN73 Bad TN UK06 UP82 Bad UP & UK
RJ19 Good RJ TN13 Good TN UP33 UP73 Good UP KA27 KA67 Bad KA RJ20 RJ49 Bad RJ TN30 TN74 Bad TN UK09 UP83 Bad UP & UK
RJ43 Good RJ (Jaipur & Jodhpur) TN14 Good TN UP34 UP74 Good UP KA28 KA68 Bad KA RJ21 RJ50 Bad RJ TN31 TN75 Bad TN UK10 UP84 Bad UP & UK
TN18 Good TN UP35 UP78 Good UP KA29 KA69 Bad KA RJ22 RJ51 Bad RJ TN32 TN76 Bad TN UK11 UP85 Bad UP & UK
UP36 UP90 Good UP KA30 KA70 Bad KA RJ23 RJ52 Bad RJ TN33 TN77 Bad TN UK12 UP86 Bad UP & UK
UP40 UP91 Good UP KA31 KA34 Bad KA RJ24 RJ53 Bad RJ TN34 TN78 Bad TN UK13 UP87 Bad UP & UK
UP41 UP93 Good UP KA32 KA35 Bad KA RJ25 RJ59 Bad RJ TN36 TN79 Bad TN UK18 UP92 Bad UP & UK
UP42 UP94 Good UP KA33 KA36 Bad KA RJ26 RJ28 Bad RJ TN37 TN81 Bad TN UP12 UP95 Bad UP & UK
UP43 UP96 Good UP RJ27 Bad RJ TN38 TN82 Bad TN UP13 UK19 Bad UP & UK
UP44 UP47 Good UP TN39 TN83 Bad TN UP15 Bad UP & UK
UP45 UP50 Good UP TN40 TN84 Bad TN
UP46 UP51 Good UP TN41 TN85 Bad TN
TN42 TN86 Bad TN
TN43 TN87 Bad TN
TN45 TN88 Bad TN
TN46 TN90 Bad TN
TN47 TN91 Bad TN
TN48 TN92 Bad TN
TN49 TN93 Bad TN
TN50 TN94 Bad TN
TN51 TN95 Bad TN
TN52 TN96 Bad TN
TN54 TN99 Bad TN