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Key Features of Universal Sompo Own Damage Car Insurance
Here are the key characteristics of Universal Sompo Own Damage car insurance:
- 01
Covers damage to your car
The policy pays for repair or replacement if your car is damaged in an accident.
- 02
Theft protection
You get compensation if your car is stolen, subject to policy terms.
- 03
Fire and explosion cover
Losses caused by fire or blasts are included.
- 04
Natural calamity protection
Damage due to floods, storms, earthquakes, or cyclones is covered.
- 05
Man-made event cover
It protects against damage from riots, strikes, or vandalism.
- 06
Transit damage cover
If your car is harmed while being transported by road, rail, air, or water, the policy can help pay.
- 07
Optional add-ons
You can choose extra covers like Zero Depreciation, Engine Protect, or Roadside Assistance for stronger protection.
- 08
Cashless repairs (network garages)
You may get repairs without upfront payments at approved garages, subject to terms.
- 09
Easy online services
You can buy, renew, or download your policy online.
Motor Insurance Plans By Universal Sompo
Inclusions and Exclusions of Universal Sompo Own Damage Car Insurance
What it Covers
Universal Sompo Own Damage car insurance protects your vehicle against many types of physical loss or damage. It usually includes:
Accident-related damage
The policy pays for repairs if your car is damaged in a collision.
Theft or total loss
You get compensation if your car is stolen or completely damaged.
Fire and explosion
Damage caused by fire or blasts is covered.
Natural disasters
Protection is provided against floods, earthquakes, storms, cyclones, or landslides.
Man-made events
The policy covers riots, vandalism, strikes, 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
Some situations are usually excluded under this plan:
Normal wear and tear
Routine ageing of parts is not covered.
Mechanical or electrical failure
Internal breakdowns without an accident are excluded.
Driving under the influence
Claims may be rejected if the driver was drunk or on drugs.
No valid driving 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.
Importance of Universal Sompo Own Damage Car Insurance
Here are some of the main benefits of Universal Sompo Own Damage car insurance:It protects your car from accident-related repair costs.
It helps you recover financially if your car is stolen or totally damaged.
It covers losses caused by fire, floods, storms, and other natural events.
It reduces sudden out-of-pocket expenses after unexpected damage.
It allows you to enhance protection through useful add-ons.
It offers access to cashless repairs at network garages.
It gives peace of mind while driving every day.