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Key Features of Universal Sompo Comprehensive Car Insurance
Here are some of the key features of Universal Sompo Comprehensive Car Insurance:
- 01
Covers own damage and third-party losses
The policy protects your car and also pays for injury or property damage caused to others.
- 02
Protection against accidents and disasters
It covers damage due to accidents, fire, theft, floods, earthquakes, storms, and riots.
- 03
Cashless repairs at network garages
You can get your car repaired without paying the full amount upfront at authorised garages, subject to policy terms.
- 04
Add-on covers for extra safety
You can choose options like Zero Depreciation, Engine Protect, Roadside Assistance, Return to Invoice, and NCB Protection.
- 05
Personal accident cover for owner-driver
The policy usually includes mandatory personal accident protection for the car owner-driver.
- 06
Easy online purchase and renewal
You can buy, renew, or download your policy online with minimal paperwork.
- 07
Simple claim process
Universal Sompo offers digital claim registration and tracking to reduce delays.
- 08
Helps save money over time
Safe driving helps you to earn you a No Claim Bonus, which lowers your renewal premium.
Motor Insurance Plans By Universal Sompo
Inclusions and Exclusions of Universal Sompo Comprehensive Car Insurance
What it Covers
Universal Sompo comprehensive car insurance offers wide protection for both your car and third parties. It usually includes:
Damage to your own car
The policy pays for repairs if your car is damaged in an accident.
Third-party injury or death
It covers compensation if another person gets hurt or loses their life due to your car.
Third-party property damage
It pays for damage caused to another vehicle, wall, or building.
Theft or total loss
You receive compensation if your car is stolen or completely damaged.
Fire and explosions
Loss caused by fire or blasts is covered.
Natural disasters
Damage due to floods, earthquakes, storms, or cyclones is included.
Man-made events
The policy covers riots, vandalism, or similar incidents.
Damage during transit
It applies if your car is harmed while being transported by road, rail, air, or water.
What Does it not Cover
Even though this plan is wide-ranging, some situations are usually excluded:
Normal wear and tear
Routine ageing of parts is not covered.
Mechanical or electrical failure
Internal breakdowns without an accident are excluded.
Drunk or drug driving
Claims may be rejected if the driver was under the influence.
Driving without a valid licence
The insurer may not accept claims in such cases.
Illegal or unsafe use
Damage caused due to racing or misuse is not covered.
Indirect losses
Extra costs after the incident are usually not paid.
Why is Universal Sompo Comprehensive Car Insurance Important?
Here are some of the key benefits of Universal Sompo Comprehensive Car Insurance:It protects your car against accidents, theft, fire, floods, and other unexpected events.
It covers third-party legal liabilities and helps you avoid large compensation payments.
It reduces your out-of-pocket repair expenses through cashless garages and add-ons.
It gives financial support if your car is totally damaged or stolen.
It allows you to customise coverage with useful optional add-ons.
It offers easy online buying, renewal, and policy download options.
It provides peace of mind while driving every day.