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Universal Sompo Car Insurance
- Universal Sompo Comprehensive Car Insurance
Universal Sompo Comprehensive Car Insurance
The Universal Sompo comprehensive car insurance policy enhances the overall coverage of the policy. It ensures coverage against the financial cost of the damage caused by any unforeseen event including accidents. Along with accidents, this policy by Universal Sompo General Insurance Company also covers theft, damages due to natural calamities, any sort of man-made calamities, and third party liabilities as well.
Benefits of Universal Sompo Comprehensive Car Insurance
Universal Sompo comprehensive car insurance comes with a lot of benefits for the customers. Its alluring features directly attract the customers towards itself. Here is the list of benefits of the comprehensive plan:
- Personal Accident Cover: With a Universal Sompo comprehensive car insurance policy, you can also get personal accident coverage up to Rs 15 lakh.
- Theft and Fire Cover: If your car sustains partial or total loss due to fire or theft, you can get it covered under a Universal Sompo comprehensive car policy.
- Useful Add-on Covers: With the help of additional covers offered with a private car insurance policy, you can also enhance the scope of coverage of your car policy.
- Wide Network of Garages: The insurance companies also offer cashless services in a wide network of garages spread across the country.
Coverage Under Universal Sompo Comprehensive Car Insurance
A Universal Sompo private car insurance policy offers the following coverage:
Damages and losses that are covered under the car insurance policy are:
- Third party liabilities such as death, disability and property damage of third person
- Losses to the insured car due to theft or burglary
- Fire, explosion or self-ignition of the insured car
- Damages to the insured car while it was in transit via road,rail, air and water
- Natural calamities like hurricanes, cyclones, typhoons resulting in damages to the insured car
- Manmade acts like strikes, riots etc leading to damages to the insured four-wheeler
Damages that are not covered under a Universal Sompo comprehensive car insurance policy are:
- Damages to the insured car as a result of drunk driving
- Claims cannot be raised for damages arising as a result of any contractual liability
- Wear and tear or depreciation sustained by the insured four-wheeler
- Accidental damages to the car when being driven without a valid DL are not covered
- Nuclear or civil war causing damages to the insured car
Add-Ons Under Universal Sompo Comprehensive Car Insurance
Additional covers that can be bought to enhance the coverage of a Universal Sompo comprehensive insurance policy are:
- Depreciation Waiver Addon
- Return to Invoice Cover
- Loss of Personal Belongings Clause
- Cost of Consumables
- Secure Towing
- Key Replacement Clause
How to Purchase a Universal Sompo Comprehensive Car Insurance Policy?
Follow the steps mentioned below to buy a Universal Sompo comprehensive insurance policy online:
- Visit Policybazaar.com and select “Car Insurance”
- On the next page, enter your car number or select another option
- Provide your car details such as RTO, make, model, variant and registration year
- Proceed with viewing car insurance quotes online
- Select Universal Sompo comprehensive plan from the list
- Select additional cover that you wish to include to your plan
- Pay the premium amount and your Universal Sompo car insurance policy will be issued.
Documents Required to Raise Universal Sompo Comprehensive Car Insurance Claim
A policyholder needs a few important policy-related documents to initiate the claim process. The documents required are mentioned below:
- Filled claim form
- Policy documents
- Registration certificate of the vehicle
- Driving license of the driver
- Estimate cost or repair cost invoice
- First information report (In some cases)
Universal Sompo Comprehensive Car Insurance FAQs
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Q1. How is a comprehensive plan more beneficial than a third-party policy?
Ans: A comprehensive car insurance plan is more beneficial as it offers a wider coverage. This policy not only offers own damage cover but also covers third party liabilities of the insured car. -
Q2. How does the No Claim Bonus work on the comprehensive plan?
Ans: The policyholder gets NCB discount for not raising a claim. This discount can go up to 50% and can be availed at the time of car insurance renewal. -
Q3. How good is Universal Sompo Car Insurance claim settlement?
Ans: Universal Sompo Car Insurance is a trustworthy company in the insurance market. It has a claim settlement ratio of 96%%. -
Q4. Can the claim process be initiated online?
Ans: Yes, the policyholder can initiate the claim process online by visiting the official website of the company and by dialing on the toll-free number.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
Expand
Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.