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Universal Sompo Own Damage Bike Insurance

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

    Universal Sompo Standalone Own-Damage Bike Insurance Policy

    Using a two-wheeler comes with several uncertainties which are in some ways unavoidable. This can be a source of constant worry for you and your near and dear ones. An insurance policy is one way to get a layer of protection for both you and the two-wheeler in the event of a mishap. It does this by giving you compensation in the event of a mishap and thereby it will provide you with some sense of security in a time of crisis. Standalone own-damage two-wheeler insurance policies provide compensation for own-damage costs in the event of a mishap. Moreover, they provide this benefit in several scenarios including cases of total damage, theft, road accidents, natural and manmade calamities. When purchased alongside your compulsory third party insurance it can provide all-round protection.

    Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

    Basis

    Universal Sompo Third Party Insurance

    Universal Sompo Standalone Own-Damage Insurance

    Universal Sompo Comprehensive Insurance

    Coverage

    Universal Sompo’s third party two-wheeler insurance cover will only take care of third party liabilities in the event of a mishap. This includes bodily injuries, death and property damage.

    Universal Sompo’s standalone own-damage two-wheeler insurance cover will only take care of own-damage costs in the event of a mishap. It provides compensation in a wide array of situations.

    Universal Sompo’s comprehensive two-wheeler insurance plans offer coverage for both own-damage costs and third party liabilities under a single premium. Moreover, they also offer an optional Personal Accident Cover.

    Add-ons

    Universal Sompo’s third party two-wheeler insurance policy does not offer any add-on covers.

    Universal Sompo’s standalone own-damage two-wheeler insurance covers offer many add-on covers to select from.

    Universal Sompo’s comprehensive two-wheeler insurance plan also offers many add-on covers to select from.

    Cost

    Universal Sompo’s third party two-wheeler insurance plan is their most low-priced cover but it also offers the most basic coverage.

    Universal Sompo’s standalone own-damage two-wheeler insurance cover has a higher price than third party insurance as it offers more coverage in the event of a mishap.

    Universal Sompo’s comprehensive two-wheeler insurance plans are the most expensive option of the three as it takes care of both own-damage costs and third party liabilities under a single cover.

    What is Covered Under a Universal Sompo Standalone Own-Damage Policy?

    Following are the aspects that are covered under a Universal Sompo standalone own-damage two-wheeler insurance policy:

    • Accidents that cause damage to the two-wheeler.
    • Damage caused to the two-wheeler because of an explosion or fire.
    • Cases of theft and total damage of the two-wheeler.
    • Natural disaster or man made calamities that cause damage to the two-wheeler.

    What is Not Covered Under a Universal Sompo Standalone Own-Damage Policy?

    Following are the aspects that are not covered under a Universal Sompo standalone own-damage two-wheeler insurance policy:

    • Mechanical or electrical failures that cause the two-wheeler to break down.
    • Illegal driving habits that cause damage to the two-wheeler.
    • The depreciation of the two-wheeler due to natural wear and tear.
    • Damage to the two-wheeler due to a mishap outside India’s borders.

    Benefits of Universal Sompo Standalone Own-Damage Policy

    Following are the benefits of purchasing a Universal Sompo Two-Wheeler Insurance Policy:

    • It provides protection for the two-wheeler from several possible scenarios such as theft, road accidents, natural or manmade calamities, fire and explosions.
    • For every claim-free year, the insurance provider will offer a No Claim Bonus.
    • Add-on covers can be purchased along with the policy to further enhance the coverage.

    How To Purchase a Universal Sompo Standalone Own-Damage Policy?

    Following are the steps you need to take to purchase a Universal Sompo Two-Wheeler Insurance Policy:

    Step 1: Visit InsuranceDekho and select the ‘two-wheeler insurance’ tab, it is the first option on the top left corner of the page. Select the ‘Standalone Own Damage’ option from the drop-down menu that appears.

    Step 2: Enter the registration number of your two-wheeler. Enter your two-wheeler’s make, model and year of registration if you do not have the two-wheeler’s registration number.

    Step 3: Next enter your personal details including your name and phone number. Once you have entered all the required information click on the ‘Submit and Get Quotes’ tab.

    Step 4: The quotes for the policies in your category will be visible on your screen. Select the one offered by Universal Sompo and choose your add-on covers.

    Step 5: once you make the payment for your Universal Sompo two-wheeler insurance policy the insurance document will be sent to your registered email ID.

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    Must Read Articles before buying Universal Sompo Bike Insurance

    Universal Sompo Bike Insurance User Reviews

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    • Helps in maintaining uniformit...

      When it comes to offering details about the insurance providers, InsuranceDekho maintains complete uniformity....

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      On: October 19, 2021
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      On: October 14, 2021
    • Superb benefits

      All the insurance plans listed on the InsuranceDekho website have superb benefits alongside a premium rate tha...

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      By Akshita Khanna
      On: October 12, 2021
    • Digital insurance plan

      The convenience of issuing my insurance plan digitally was unknown to me till the time I had issued a Universa...

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      On: October 7, 2021
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      On: October 5, 2021
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      On: September 30, 2021
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      I came to the InsuranceDekho website and called the customer care number to discuss the plan caused under the ...

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      By Niharika Dutta
      On: September 28, 2021
    • Digital insurance plan

      The convenience of being insured under a digital bike insurance plan was foreign to me till the time I decided...

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      By Manish Sharma
      On: September 24, 2021
    • Easy to buy add-on covers

      I chose roadside assistance and consumables add-on covers under the Universal Sompo bike insurance plan issued...

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      By Supriya Banerjee
      On: September 22, 2021
    • Smooth buying process

      InsuranceDekho is an easy to use website which I used to buy a Universal Sompo bike insurance policy for my Ya...

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      By Masoom Bhatia
      On: September 14, 2021

    17 Universal Sompo Cashless Garages in India

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