What is Covered Under Universal Sompo Comprehensive Bike Insurance Plan?

• Universal Sompo comprehensive bike insurance covers the following:Third Party Liabilities If your bike causes damage to another person’s vehicle or property, this insurance helps with the costs. It covers up to Rs. 1 lakh for property damage. For injuries, disability, or death of the other person, the court decides the compensation.Damage from Natural Disasters If your bike gets damaged due to natural events like floods, landslides, earthquakes, etc., this insurance will cover it.Damage from Man-Made Disasters This covers damage caused by events like riots, strikes, or terrorist activities.Theft of Your Bike If your bike is stolen, the insurance will help compensate for the loss.

What is NOT Covered Under Universal Sompo Comprehensive Bike Insurance Plan?

• This insurance does not cover:Normal wear and tear of the bike over time.Willful negligence (if you purposely damage your bike or someone else's property).Driving without a valid license.Mechanical or electrical breakdowns (problems due to bike parts wearing out).Damage from contractual liability (damage you agreed to pay for in a contract).Driving under the influence of alcohol or drugs.Damage during war, nuclear risks, mutiny, or rebellion.