In any case if the insured / policyholder would like to cancel his royal sundaram general insurance policy, then the Below given procedure needs to be followed:-

Corporate office address: vishranthi melaram towers, no. 2/319, rajiv gandhi salai (omr), karapakkam, chennai - 600 097

Tel: +91 44 7117 7117 / fax: +91 44 7113 7114

Customer care Toll free no: 1860 425 0000 (24x7)

Email: Customer.Services@royalsundaram.in

Customers can also contact theNearest royal sundaram branch.

Freelook period:- the customer has a period of 15days from the date of receipt of the new policy document to review the terms and condition of this policy. If the insured has any objections to any of the terms and conditions, he has the option to cancel the policy stating the reason for cancellation. The insured is Entitled for a refund of premium subject to

• A deduction of the expenses incurred On the medical examination, Stamp duty Charges, if the risk has not commenced
• A deduction of the stamp duty charges, medical examination charges & proportionate risk premium for period on cover, of the Risk has commenced
• A deduction of such proportionate risk premium commensuration with the risk covered during such period, where only a part of risk has commenced.
• Free look period shall not be applicable For renewal policies.

Personal accident:

The company may at any Timeterminate this policy, by issuing a written notice, in the event of fraud or misrepresentation by the insured/insured person or non-cooperation by the insured, provided that the company Shall in that case return to the insured the then last paid premium less a pro-rata thereof for the portion of the current insurance period which shall have expired.

Such notice shall be deemed sufficiently given if posted and addressed to the insured at the address last registered in the company's books and shall be deemed to have been received by the insured at the time when the same would be delivered in the ordinary course of post.

Or

The policy may even be cancelled at any time by the insured, by a notice in writing under a certificate of posting or a regd. A.D. Such notice shall be deemed to be effective from the date of dispatch of the same by the insured. Provided no claim has arisen under the within mentioned policy prior to the dispatch of such notice by the insured to the company, the insured would be entitled to the return of premium less premium at company'sshort period rates for the policy has been in force.

Motor insurance:

The company may cancel the policy on the grounds of Mis-representation, fraud, non-disclosure of material facts or non-cooperation by the insured, by sending seven days notice by recorded delivery to the insured, at the insured's last known address and in such event the company will Returnthe premium paid, less the pro rata portion thereof for the period the policy has been in force. Or the policy may be cancelled at any time by the insured on seven days' notice by recorded delivery and provided no claim has arisen during the currency of the policy, the insured shall be entitled to a return of premium less premium at the company's short period rates for the period the policy has been in force. Return of the premium by the company will be subject to retention of the minimum premium of rs.100/-(or rs.25/- in respect of vehicles specially designed/modified for use by blind/handicapped/mentally challenged persons). Where the ownership of the private car is transferred, the policy cannot be cancelled unless evidence that the private car is insured elsewhere is produced.

Health insurance:

The company may at any time cancel this policy on the grounds of Mis-representation, fraud, non-disclosure of material facts on the proposal form or non-cooperation by the insured, by giving fourteen (14) days notice in writing by courier/registered post/acknowledgement due post to the insured at address recorded / updated in the policy. In the event of such cancellation on the grounds of misrepresentation or fraud or Non disclosure of material facts, the policy shall be void, no refund of premium shall be made and no claim shall be payable under the policy. In the event of cancellation on the grounds of Non cooperation, the company shall be liable to repay on demand a Rateable proportion of the premium for the unexpired term from the date of cancellation.

The insured may also cancel this policy by giving fifteen (15) days notice in writing to the company, for the cancellation of this policy, in which case the company shall, from the date of receipt of the notice, cancel the policy and retain the premium for the period this policy has been in force at the company's short period scale as mentioned below provided that no refund of premium shall be made if any claim has been made under the policy by or on behalf of the insured.

Short period - one year policy:

Short period - two year policy:

Hospital cash:

Short period - one year policy:

Home insurance:

The company may at any time, by giving 14 days notice in writing, terminate this policy, provided that the company Shall in that case return to the proposer, premium less a pro-rata part thereof for the portion of the current insurance period, which shall have expired. Such notice shall be deemed sufficiently Given, if posted by registered post and addressed to the proposer at the address mentioned in the policy.

The proposer may also cancel the policy at any time, by giving a notice in writing, provided no claim has arisen under the within mentioned policy prior to the receipt of such notice by the company, the proposer would be entitled to a return of premium less premium at company's short period scales as mentioned below for the period, the policy had been in force.

Travel insurance:

The company may at any time cancel the policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days notice in writing by registered a/d to the insured at last known address in which case the company shall not refund to the insured any portion of the premium.

For single trip: cancellation of policy by the insured person may be done only in cases where a journey is not undertaken and only on production of the insured person's passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of rs.250/-

No refund of premium or part thereof will be allowed: -

• In Case insured person returns to india before the expiry of the policy
• If any claim has been preferred under the policy before invoking cancellation request

The insured person has to produce the passport as proof of the trip days undertaken during the policy period.

Also read-Who do i need to contact in case of grievance against royal sundaram insurance?