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​Universal Sompo Comprehensive Two-Wheeler Insurance Policy

Universal Sompo General Insurance has earned the trust of people over the years by providing support during the uncertainties of life. Universal Sompo comprehensive bike insurance policy provides coverage for the financial and legal liabilities towards the third party as well as own damage incurred by the insured’s bike. It ensures financial security and peace of mind of the policyholders.

Universal Sompo Comprehensive Bike Insurance vs Third Party Bike Insurance

Basis

Comprehensive Bike Insurance

Third Party Bike Insurance

Coverage

Comprehensive bike insurance policy provides coverage for third party liabilities as well as for own damage to the insured’s bike.

Third party bike insurance policy provides coverage only for third party damage caused by the insured’s bike.

Add-ons

Policyholders can opt for a wide range of add-ons cover under this policy to extend the coverage.

It does not offer any add-on to the policyholders.

Cost

Comprehensive bike insurance policy provides extensive coverage to the policyholders. Therefore, the premium of this policy is comparatively higher.

Third party bike insurance policy is cost-effective as it provides limited coverage.

What All is Covered Under Universal Sompo Comprehensive Bike Insurance Plan?

Universal Sompo comprehensive bike insurance policy covers the following aspects:

  • Third party liabilities: The comprehensive bike insurance policy provides financial and legal support to the policyholders to deal with the third party liabilities. The insurer provides compensation up to Rs. 1 lakh for third party property or vehicle damage. The compensation amount for bodily injuries, disability or loss of life of the third party is decided by the court of law.
  • Own damage caused by natural calamities: Any damage caused to the insured’s bike due to flood, landslide, earthquake or any other natural calamities gets covered by the insurer.
  • Own damage caused by man-made disasters: The insurer covers any damage to the insured’s bike caused due to any man-made disasters such as riot, strike, terrorist activities etc.
  • Theft of the insured’s bike: The insurer provides coverage in case the bike gets stolen.

What All Is Not Covered Under Universal Sompo Comprehensive Bike Insurance Plan?

Universal Sompo comprehensive bike insurance policy does not provide coverage for the following:

  • Normal wear and tear
  • In case of willful negligence
  • Driving without a valid licence
  • Mechanical or electrical breakdown
  • Any damage caused due to contractual liability
  • Driving under the influence of alcohol or intoxicating drugs
  • Damage occurred during war, nuclear risk, mutiny rebellion or any such situation.

Universal Sompo Comprehensive Bike Insurance Benefits

Policyholders can avail the following benefits along with the Universal Sompo comprehensive bike insurance policy:

  • Offers easy and online policy issuance
  • Swift and easy claim settlement process
  • Avail a wide range of add-on covers to stretch the coverage
  • Free repair and replacement service in cashless garages spread all over India
  • Provides financial and legal support for third party liabilities and own damage expense.

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Universal Sompo Bike Insurance User Reviews

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253 User reviews
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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 insuran...

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    On: February 20, 2023
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    On: February 16, 2023
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    On: February 9, 2023
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    On: January 31, 2023
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    I checked InsuranceDekho. It was so easy to choose a plan as the website had all the plans elaborated in an ...

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    On: January 24, 2023
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    On: January 3, 2023
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    On: July 22, 2022
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    By Devesh Arya
    On: July 12, 2022
Universal Sompo Reviews

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Universal Sompo Comprehensive Bike Insurance FAQs

  • What roadside assistance will I get under the Universal Sompo comprehensive bike insurance policy?

    You will get the following roadside assistance under the Universal Sompo comprehensive bike insurance policy provided you have opted for the Roadside Assistance cover:

    • Emergency Towing Assistance
    • Repair on the spot
    • Flat Tyre Service
    • Emergency Fuel Delivery
    • Vehicle Key Service
    • Pick up of Vehicle in case of Driver Disability
    • Cab Service
    • Accommodation
    • Shipment of Spares

  • When can I add the add-on covers to my comprehensive bike insurance policy?

    You can add the add-on covers to your Universal Sompo comprehensive bike insurance policy during the purchase, renewal or in the middle of the tenure.

  • What are the discounts offered on the premium by Universal Sompo comprehensive bike insurance policy?

    The following discounts are offered on the premium by Universal Sompo comprehensive bike insurance policy:

    • Voluntary deductible
    • No Claim Bonus (Provided no claims was made during the policy period)
    • Discount for anti-theft device.

  • Does the Universal Sompo comprehensive bike insurance policy provide the Daily Cash Allowance cover?

    Yes, the Universal Sompo comprehensive bike insurance policy provides the Daily Cash Allowance cover. With this cover added to your policy, the insurer will provide daily cash allowance in case your bike is laid up in an authorized garage for repair.

  • How is the sum assured calculated for Universal Sompo comprehensive bike insurance?

    The sum assured for Universal Sompo comprehensive bike insurance is calculated by the Insured Declared Value (IDV) of the insured’s bike.

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Universal Sompo Bike Insurance Contact Details

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      #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.