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Universal Sompo Car Insurance Add-On Covers

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

    Universal Sompo Car Insurance Add on Covers

    Car insurance add-ons are the extra coverages available with standalone own-damage and comprehensive car insurance plans to extend the standard coverage. The add-ons are available against an extra premium but help significantly to get those parts of the car or get assistance which is not provided by default under a car insurance plan.

    Universal Sompo - 8 Important Add-on Covers For Your Car Insurance Policy

    1. Nil Depreciation Cover

    By default the liability to bear the depreciation applicable on the car and its parts falls on the car owner. However, by opting for this add-on, you shift this liability of depreciation to the insurer. Under this add-on, depreciation on your car and all its parts is covered at 100% except tyres, tubes and batteries which are covered at 50%. Two zero depreciation claims are allowed during a policy period.

    2. Return to Invoice Cover

    In cases of total loss and theft of the car, insurers provide the insured with the IDV of the car. However, when you opt for this add-on, Universal Sompo General Insurance will reimburse you the total cost of your car, i.e, the one mentioned in the car’s invoice. The invoice price includes road tax, registration charges, custom duty (if any) in addition to the IDV.

    3. Daily Cash Allowance Cover

    If you opt for this add-on, the insurer will provide you with a cash benefit till the time your car is under repairs at one of its authorized garages.

    4. Key Replacement Cover

    This add-on helps you get compensated for the cost of obtaining a new key in case your car key gets stolen or lost.

    5. RoadSide Assistance Cover

    This add-on helps you get emergency assistance from the insurance when you get stranded due to a mechanical or electrical breakdown, flat tyre, dead battery, insufficient fuel, accident of your car.

    6. Consumables Cover

    This add-on helps you get compensated for the consumables of your car like nuts and bolts, oil filter, engine oil, screws, grease, etc.

    7. Engine Protect Cover

    By default, the engine and gearbox are not insured under a standard plan. However, when you opt for this add-on you get the car’s engine, its parts and the gearbox insured against water damage as well as oil leakages.

    8. NCB Protect Cover

    No Claim Bonus is the reward which is available to you for not making even a single claim during the entire policy period. However, you can lose your NCB if you make even a single claim. However, an NCB Protect helps you keep your NCB intact even if you make a claim during the policy period.

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    When did you buy your car?
    20062019
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    Must Read Articles before buying Universal Sompo Car Insurance

    Universal Sompo Car Insurance User Reviews

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    • Informative website

      The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I...

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      V
      By Vinay Singh
      On: July 7, 2022
    • 7 days availability

      The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them ...

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      By Naman Batra
      On: June 30, 2022
    • 7 days availability

      The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them on...

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      By Naman
      On: June 28, 2022
    • Reminder feature

      The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Univers...

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      By Lucky Kumar
      On: June 23, 2022
    • Hassle-free claim settlement

      To file a claim on the InsuranceDekho website is easy and involves no complications at all. I recently filed...

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      By Nimesh Sharma
      On: June 16, 2022
    • Pocket-friendly plans

      I wanted a good car insurance plan for my BMW. Also, a plan that could fit in my budget easily. Someone sugg...

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      By Mohan Sharma
      On: June 14, 2022
    • Quick and easy policy issuance

      To buy a plan from the InsuranceDekho website is quick and easy. All you have to do is to follow certain simpl...

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      S
      By Shubham Goyal
      On: June 9, 2022
    • 7 days availability

      The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them ...

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      N
      By Naman Batra
      On: June 7, 2022
    • Availability of add-on covers

      While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available...

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      By Chirag Makkar
      On: June 2, 2022
    • Informative website

      The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I...

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      V
      By Vinay Singh
      On: June 1, 2022

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