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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 r...

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      N
      By Naman Gupta
      On: October 13, 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: August 24, 2022
    • Got a good plan at an affordab...

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

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      R
      By Rajat Sharma
      On: August 16, 2022
    • Informative website

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

      Read More
      V
      By Vinay Singh
      On: August 9, 2022
    • 7 days availability

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

      Read More
      N
      By Naman Batra
      On: July 26, 2022
    • 7 days availability

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

      Read More
      N
      By Naman Batra
      On: July 22, 2022
    • Easy car Insurance with best D...

      Good experience to purchase car insurance. It is promt and best deal is available. People can easily available...

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      R
      Maruti Alto K10 Kolkata
      By Ranajit Batabyal
      On: July 15, 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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      M
      By Mohan Sharma
      On: July 14, 2022
    • Quite an informative website

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

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      S
      By Sam Kapoor
      On: July 12, 2022
    • Informative website

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

      Read More
      V
      By Vinay Singh
      On: July 7, 2022

    502 Universal Sompo Cashless Garages in India

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