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*TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Universal Sompo Bike Insurance FAQs

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Highlights
    Network Garages3,500+
    Claim Settlement Ratio90.78% in FY20
    Emergency AssistanceAvailable 24/7
    Policies Issued12 lakh+ in FY19
    Claim ProcessDigitally Enabled
    Presence86+ branches

    Overview

    • Why should I choose Universal Sompo two-wheeler Insurance?

      Universal Sompo two-wheeler insurance offers the following benefits to its customers:


      • Instant policy issuance without any hassle
      • Quick claim settlement
      • Portfolio of long-term policies
      • Cashless service at more than 3,500 network garages
      • Special add-on covers
    • How can I get two-wheeler insurance from Universal Sompo?

      You can get a two-wheeler insurance policy from Universal Sompo in three ways. The traditional way would be going to the branch. Alternatively, you can buy an insurance plan online through the official website of Universal Sompo. You can also call the toll free number of Universal Sompo General Insurance and the support executives will help you in getting the plan.

    • Is there an eligibility criteria for getting Universal Sompo two-wheeler insurance?

      The only eligibility criteria for getting a two-wheeler insurance policy from Universal Sompo is that the individual has to register his two-wheeler in his name with the Regional Transport Authority in India.

    • What are the add-ons available for two-wheeler insurance?

      Universal Sompo provides multiple add-ons with two-wheeler insurance plans. The offered add-ons include Nil Depreciation Cover, Return To Invoice, Roadside Assistance, Daily Cash Allowance, Cost Of Consumables, Loss Of Driving License, Ncb And Engine Protector, etc.

    • How can I get cashless service for my two-wheeler?

      Universal Sompo Two-Wheeler Insurance provides cashless repair and replacement services at its authorised garages. The policyholders can seek the service anywhere at any of its more than 3,500 network garages situated all around the nation. The claims at these authorized garages are completely cashless.

    Third Party

    • Will the Universal Sompo third party bike insurance policy cover an accident that occurred outside the geographical area?

      No, the Universal Sompo third party bike insurance policy will not provide any coverage for an accident or any other mishap that occurred outside the pre-decided geographical area.

    • What coverage will I get in case of the death of the third party?

      The insurer will provide financial and legal support to the policyholder in case of the death of the third party. The compensation amount to be paid by the insurer is decided as per the court of law.

    • How can I pay the premium of my Universal Sompo third party bike insurance policy?

      You can pay the premium of Universal Sompo third party bike insurance policy in the following ways:

      • Direct debit from your bank
      • Credit card payment
      • Cheque payment.

    • How can I check the status of my third party bike insurance policy?

      You can check the status of Universal Sompo third party bike insurance policy online or by dialling the toll-free numbers 1800-22-4030 or 1800-200-4030. For checking the status online you have to get registered on the official website.

    • Can I stretch the coverage of Universal Sompo third party bike insurance policy?

      No, you can not stretch the coverage of Universal Sompo third party bike insurance policy as it does not offer any add-on covers. For extensive coverage, you can opt for the comprehensive bike insurance policy.

    Comprehensive

    • 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.

    Zero Depreciation

    • Can I get Zero Depreciation along with the third party insurance policy?

      You can avail the Zero Depreciation cover only with the Universal Sompo comprehensive and standalone own damage bike insurance policies. The third party bike insurance policy does not offer Zero Depreciation or any other add-ons.

    • Do I receive the full claim amount if I opt for Zero Depreciation cover?

      Adding Zero Depreciation cover ensures maximum claim by eliminating the depreciation factor. However, you do not receive the full claim amount as the deductibles will be factorized at the time of claim settlement.

    • Does the Zero Depreciation cover provide for fibre glass parts of bikes?

      Yes, the Zero Depreciation provides coverage for the fibre glass parts of the insured’s bike. The rate of depreciation for fibre glass parts without the Zero Depreciation is 30%. But with the Zero Depreciation cover, no depreciation charges are deducted.

    • Do I have to renew the Zero Depreciation cover each time I renew my policy?

      Yes, you will have to renew the Zero Depreciation cover each time you renew your comprehensive policy. However, you can pay the complete premium of your policy along with the Zero Depreciation cover at the time of purchase. It will free you from the hassle of renewal.

    • Is the Zero Depreciation cover available only for new bikes?

      Universal Sompo Zero Depreciation cover is available for new as well as old bikes. However, the age of the bike should not exceed 5 years.

    Claim

    • How to check the claim status of my Universal Sompo bike insurance policy?

      You can check the claim status of your Universal Sompo bike insurance policy online by following these steps:

      • Visit its official website
      • Click on the “Track Claims” option under Claims section.
      • Fill up the form that opens up
      • Click on “Submit”
      • The claim status is shown

      You may also track your claim status by dialling the helpline numbers which are 1800-22-4030 and 1800-200-4030.

    • From where do I get the claim form of Universal Sompo bike insurance policy?

      You can download the claim form of Universal Sompo bike insurance policy from its official website or reach out to the nearest branch and collect the hard copy of the claim form.

    • Do I need to carry my driving licence while claiming Universal Sompo bike insurance policy?

      Yes, you need to carry your driving licence while claiming Universal Sompo bike insurance policy. You should make sure that the driving licence is valid.

    • Is the bike insurance claim process time-bound?

      Yes, the claim process is time-bound. It is advisable to inform the insurer within 24 hours of the incident.

    • How can I locate the nearest office of Universal Sompo General Insurance?

      You can locate the nearest office of Universal Sompo General Insurance by clicking on the “Office Locator” on its official website. You may also call up its helpline numbers 1800-22-4030 and 1800-200-4030 to get assistance in finding the nearest office location.

    Renewal

    • What are the factors that influence the premium quote of the renewed Universal Sompo bike insurance policy?

      The premium quote of the renewed Universal Sompo bike insurance policy depends on the following factors:

      • Age and condition of the bike during the renewal
      • Availability of No-Claim Bonus
      • Number of add-on covers taken along with the insurance plan
      • Tenure desired by the policyholder.

    • Can I renew the Universal Sompo bike insurance policy online before the expiry date?

      Yes, the Universal Sompo bike insurance policy is available for online renewal 45 days prior to the expiry of the existing policy.

    • If all my policy documents are lost, can I still renew my bike insurance?

      Yes, you can renew the bike insurance policy even if all your policy documents are lost. You just have to provide the current policy number during the renewal.

    • What are the advantages of No Claim Bonus?

      You can avail some discounts on the premium of the renewed policy by using your No Claim Bonus.

    • Can I opt for accessories cover at the time of renewal?

      Yes, you can opt for accessories cover at the time of renewal to stretch the extent of coverage. The charge of the accessories cover will be added to the premium of your renewed policy.

    Premium Calculator

    • Why should I make use of the bike insurance premium calculator?

      The bike insurance premium calculator will provide you assistance in finding the right premium amount for your plan, get the IDV of your bike, selecting an affordable plan and make wiser decisions related to the bike insurance plan.

    • What details are required to be entered in the premium calculator?

      You need to enter details such as make and model of your bike, RTO location of your bike, registration year of your bike, etc., to get the right premium offered by the insurers for a bike insurance policy.

    • What factors determine the premium of a bike insurance policy?

      There are various factors that affect the premium of a bike insurance cover such as Insured Declared Value (IDV), Engine’s Cubic Capacity, No Claim Bonus (NCB), Age of the Owner, Anti-Theft Devices and so on.

    • Where can I use the premium calculator?

      You can use the best premium calculator to compute the premium and IDV for your insurance plan at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

    • Does the premium calculator calculate the premium for old two-wheelers?

      Yes, the premium calculator helps you find the premium for new and old or used two-wheelers.

    Add On

    • 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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    17 Universal Sompo Cashless Garages in India

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