Universal Sompo Add-Ons

Universal Sompo Car Insurance

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Highlights
  • First private-public joint venture company in India
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  • Ranked 5th in ICMR-BMF survey of top 15 non-life insurance companies
  • 24*7 responsive customer support
  • Instant and paperless policy renewal

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.

Universal Sompo Car Insurance User Reviews

94 reviews Write a Review
  • Quick services

    InsuranceDekho offered me quick and transparent services. When I purchased Universal Sompo car insurance policy for my Toyota Yaris from them, they ma...

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    Rohit Anand
    On: July 9, 2020 | Views
  • Easy to renew online

    I recently renewed my Universal Sompo car insurance policy that I purchased from InsuranceDekho for my Honda Accord car. The renewal process was very ...

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    D
    Devesh Aggarwal
    On: July 3, 2020 | Views
  • Successful claim

    I recently made a claim under my Universal Sompo car insurance policy that I bought for my Toyota Yaris car from Insurancedekho. The team at Insurance...

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    A
    Abhiram Awasthi
    On: July 2, 2020 | Views
  • Really helpful team

    I really appreciate the efforts of the team at InsuranceDekho that helped me purchase Universal Sompo car insurance for my Honda City car. They unders...

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    N
    Namrata Makkar
    On: June 26, 2020 | Views
  • Easy to use website

    The website of InsuranceDekho has a really easy interface. I was able to purchase a Universal Sompo car insurance policy for my Maruti Suzuki Swift ca...

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    K
    Kritika Gupta
    On: June 25, 2020 | Views

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