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Universal Sompo Bike Insurance Add-On Covers

Add-on covers are extra coverage benefits that you can purchase to extend the coverage of your standard bike insurance policy by paying an extra premium. They expand the scope of your policy thereby offering you greater protection. Universal Sompo General Insurance offers a bouquet of add-on covers from which you can select as per your budget and requirements and enhance the coverage by paying a minimal premium.

​Universal Sompo - 10 Important Add-On Covers For Your Bike Insurance Policy

Universal Sompo General Insurance offers you a great number of add-on benefits that offer you extra assurance and peace of mind. These are explained below:

  1. Engine Protector Motor OD Add-On: Engine protector add-on cover indemnifies for expenses incurred in replacement or repair due to leakage of lubricating oil that leads to damage to engine parts, gearbox parts, etc and water ingression due to flood.
  2. NCB Protector Motor OD Add-On: NCB Protector add-on benefit makes the insured entitled to get the No Claim Bonus discount in the next policy year which he/she would otherwise lose in case of claim(s) made during a policy year. So, if you buy this cover, then the policy year will be treated claim-free even if claim(s) is made.
  3. Return to Invoice: If you have this add-on cover, then you can get the difference of the on road price of your bike at the time of its purchase and the current replacement price if the same make and model is available. Note that it is applicable for bikes not older than 5 years.
  4. Daily Cash Allowance Benefit: This add-on cover can be beneficial in case your bike is laid up in an authorized garage or service station for repair in case of accidental damages. The benefit can be availed for a maximum of 5 days in excess of 3 days in case of accidental damage claims. In case of theft, the allowance is provided for up to 10 days with an excess of only 1 day. This is applicable for the bikes not older than 5 years.
  5. Additional Accidental Injury Compensation for Owner Driver: This add-on benefit covers you for an amount of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, for up to Rs. 8 lakh against accidental injury leading to permanent total disablement or death in an accident when driving the insured bike.
  6. Additional Accidental Injury Compensation For Family: This add-on cover protects your family member in case of risk of assault or any other bodily injury due to an accident that involves the insured vehicle and leads to death/permanent partial disability/permanent total disability. The benefits can be availed as per the terms and conditions mentioned in the policy document.
  7. Wider PA Benefit Clause for Owner Driver: The add-on cover provides you protection 24*7 in case of risks or assault or bodily injuries that leads to death/permanent total loss in case of accident, no matter if you are riding the insured two-wheeler or not.
  8. Roadside Assistance: This add-on cover offers you great protection by covering you and providing you 24*7 roadside assistance, towing facility, repair on the spot, puncture assistance, emergency fuel delivery, vehicle key lockout assistance, cab service, shipment of spares, cab service, accommodation, and Tele Assistance, Route Guidance And Relay of Emergency Message.
  9. Cost of Consumables: This add-on cover protects the insured against expenses incurred towards replacement of consumable items in case of damage caused to the insured vehicle and/or to the insured accessories as per the terms and conditions of the policy.
  10. Hospital Daily Cash Cover: With this add-on cover, you can enjoy daily cash benefit of Rs. 2,000 every day of hospitalisation for a maximum of 30 days. Note that the benefit can be availed only in case of in-patient hospitalisation and if it is a result of accident due to an insured bike.

It is not mandatory to buy add-on covers along with a standard bike insurance policy. But if you find any of the above-mentioned add-on cover beneficial, and wish to purchase, then you must have a standalone bike insurance policy or a comprehensive bike insurance policy.

Must Read Articles before buying Universal Sompo Bike Insurance

Universal Sompo Bike Insurance User Reviews

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What users are saying
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  • Quick response on the chat box

    InsuranceDekho's website provides a chat box feature to its users. I bought the Universal Sompo bike insurance plan for my Kawasaki Ninja 650. In the buying process, I was facing some issues so I used the chat box feature available on the website. I got quick responses and all my questions were answered with immediate effect. The plan is amazing and comes with many benefits. Happy with the purchase.

    D
    By Devesh Arya
    On: February 20, 2023
  • Customer care service

    While buying the Universal Sompo bike insurance plan for my Aprilia storm 125 from the InsuranceDekho website I faced some problems for which I contacted customer care service, and the executive immediately resolved all my issues. The plan comes with amazing benefits.

    T
    By Tarun Yadav
    On: February 16, 2023
  • Option to choose from differen...

    I just bought a Universal Sompo own damage bike insurance policy from InsuranceDekho for my BMW F650 bike. The payment was completely secured and the website allowed me to pay the premium from different payment gateways. I choose to make the payment through my Credit card.

    M
    By Mankirat Singh
    On: February 9, 2023
  • Rapid generation of quotes

    On InsuranceDekho, the generation of insurance quotes for my Yamaha Saluto was quick. I just had to enter the needed details like the bike's fuel type, MMV and the extent of the plan. In just a few seconds, I had found various quotes. I opted for Universal Sompo bike insurance plan.

    S
    By Srinivas Gupta
    On: January 31, 2023
  • Price Comparison

    I checked InsuranceDekho. It was so easy to choose a plan as the website had all the plans elaborated in an amazing way. I bought a Universal Sompo bike insurance plan which is nice in accordance with my preferences for my Aprilia Sr 160.

    S
    By Samar Raj
    On: January 24, 2023
  • Well managed website

    The InsuranceDekho website is very well managed and maintained. All the things are arranged properly. While buying the Universal Sompo, for my Hero Pleasure Plus, it was very easy to locate everything that I wanted on the website.

    H
    By Harsh Gupta
    On: January 3, 2023
  • Best customer care team

    The customer care service of the InsuranceDekho website is amazing. While buying the Universal Sompo bike insurance plan for my Hero Pleasure Plus, I had some doubts regarding the plan, I contacted customer care service and they cleared all my doubts and queries.

    S
    By Shraddha Gupta
    On: October 13, 2022
  • Amazing customer care service

    The InsuranceDekho website has the best customer care service. I recently bought the Universal Sompo bike insurance plan for my Hero Electric Optima DX, I had some queries regarding the plan, so I contacted customer service and got all my queries resolved. Thanks to the team.

    By Sushant Kapoor
    On: July 26, 2022
  • Amazing customer care service

    The InsuranceDekho website has the best customer care service. I recently bought the Universal Sompo bike insurance plan for my Hero Electric Optima DX, I had some queries regarding the plan, so I contacted customer service and got all my queries resolved. Thanks to the team.

    S
    By Sushant Kapoor
    On: July 22, 2022
  • Quick response on the chat box

    InsuranceDekho's website provides a chat box feature to its users. I bought the Universal Sompo bike insurance plan for my Kawasaki Ninja 650. In the buying process, I was facing some issues so I used the chat box feature available on the website. I got quick responses and all my questions were answered with immediate effect. The plan is amazing and comes with many benefits. Happy with the purchase.

    D
    By Devesh Arya
    On: July 12, 2022

17 Universal Sompo Cashless Garages in India

Universal Sompo Bike Insurance Add-On Cover FAQs

  • How many add-on covers are offered with the Universal Sompo bike insurance plans?

    The Universal Sompo bike insurance policies come with a many bike insurance add-on covers that include Engine Protector, NCB Protector, Return to Invoice, Daily Cash Allowance Benefit, Roadside Assistance, Cost of Consumables, Hospital Daily Cash Cover and so on.

  • How many add-on covers can I opt for at a time?

    You can opt for unlimited offered add-on covers as you want at a time in your bike insurance policy based on your budget and requirement.

  • Is it compulsory to add an add-on cover in the bike insurance policy?

    No, it is not compulsory to include an add-on cover in your bike insurance policy. It is an optional benefit which you can avail to increase the insurance coverage of your bike insurance cover.

  • Will I have to pay an extra amount of premium to avail add-on covers?

    Yes, you will have to pay an extra amount of premium to avail add-on covers based on their prices specified in the policy document or online purchase portal of the insurance company.

  • When can I purchase the Universal Sompo bike insurance add-on covers?

    You can purchase the bike insurance add-on covers either at the time of insurance policy purchase or during the insurance policy renewal process.

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