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Universal Sompo Own Damage Car Insurance

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    CASHLESS GARAGES3,500
    CLAIMS SETTLED96%
    COMPREHENSIVE CLAIMSUNLIMITED

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    Universal Sompo Own Damage Car Insurance

    Universal Sompo own damage car insurance plan offers coverage to the policyholder against damages caused to the insured vehicle due to any accident or mishap. This insurance plan provides the policyholder with the peace of mind as it gives them the much needed financial stability in the event of any accident or mishap. An own damage insurance plan offers protection to the insured in different scenarios like vandalism, car theft, fire, road accident, natural or man made calamity, etc.

    Universal Sompo Standalone Own Damage Insurance Plan V/S Universal Sompo Third Party Insurance Plan V/S Universal Sompo Comprehensive Insurance Plan

    Basis

    Universal Sompo Standalone Own Damage Insurance Plan

    Universal Sompo Third Party Insurance Plan

    Universal Sompo Comprehensive Insurance Plan

    Coverage Offered

    Under this insurance plan, the insured receives insurance coverage against own damage expenses including flood, theft, road accidents, etc. It is not mandatory to buy this cover.

    Under this insurance plan, the insured receives insurance coverage against only third party liabilities including death, property damage, injuries, etc. It is not mandatory to buy at least this cover.

    Under this insurance plan, the insured receives holistic insurance coverage against both own damages and third party liability under a single insurance plan.

    Add-On

    A policyholder is given a wide variety of add-on covers to choose from.

    A policyholder does not receive the option to include add-on covers.

    Here also, various add-on options are presented before to choose from.

    Cost

    It is expensive as compared to a third party insurance plan as it offers protection against own damages.

    As only basic coverage is offered under this plan, it is quite affordable.

    It is an expensive insurance plan as under a single plan protection against both own damage as well as third party liability is offered.

    What is Covered Under Universal Sompo Standalone Own Damage Insurance Policy?

    Universal Sompo Standalone Own Damage Insurance Policy offers coverage for the below-mentioned aspects:

    • Damage or loss to the insured car because of an accident.
    • Vandalism or theft of the insured car.
    • Damage or loss to the car because of an explosion or fire.
    • Damage or loss to the car because of manmade or natural disaster.

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

    Universal Sompo Standalone Own Damage Insurance Policy does not offer coverage for the below-mentioned aspects:

    • Accidents happening outside geographical boundaries as stated in the policy document.
    • Accidents happening because of illegal driving
    • Depreciation of insured car
    • Breakdown of the insured car because of electrical or mechanical failure.

    Benefits of Universal Sompo Standalone Own Damage Policy

    Some of the benefits of buying Universal Sompo Standalone Own Damage Policy are highlighted below:

    • This insurance plan offers protection for own damage expenses incurred because of accidents, theft, mishap, etc.
    • Various add-on covers are provided to opt from in order to extend the plan coverage.
    • No claim bonus benefit is offered to the policyholder for each claim free year.

    How to Buy Universal Sompo Standalone Own Damage Policy?

    To buy Universal Sompo Standalone Own Damage Policy you can follow the below mentioned simple steps:

    Step 1: Go to InsuranceDekho website and select ‘car tab’ from thereon.

    Step 2: Next, enter your car’s registration number. If you don’t remember then instead enter the car's make, model and registration year to move ahead.

    Step 3: Now, enter your personal details. Then, press the ‘Submit and Get Quotes’ option.

    Step 4: Different insurance quotes as per the information entered by you will appear on the screen. Select Universal Sompo own damage insurance plan and if you want you can even include add-ons.

    Step 5: Finally, make the payment and the documents would get sent to your email ID instantly.

    Must Read Articles before buying Universal Sompo Car Insurance

    Universal Sompo Car Insurance User Reviews

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    • Own Damage
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    • Comprehensive
    • Zero Depreciation
    • Third Party
    • Renewal
    • Cashless Garages
    • Price
    • Premium
    • Policy Download
    • Customer Care
    • Claim
    • Add On
    • Good discount and multiple opt...

      Easy process to buy policy online at best prices. I am impressed by the options available and customization po...

      D
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      By DEEPAK G RAMNANI
      On: May 21, 2023
    • Availability of add-on covers

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      On: May 18, 2023
    • 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: March 1, 2023
    • The website has very informati...

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

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      On: February 9, 2023
    • Transparent policy issuance

      While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car t...

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      On: February 3, 2023
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      I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan b...

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      By Varun Gupta
      On: January 24, 2023
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      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 Prashant Batra
      On: January 3, 2023
    • Informative website

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

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      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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      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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      By Rajat Sharma
      On: August 16, 2022

    1039 Universal Sompo Cashless Garages in India

    Universal Sompo Own Damage Car Insurance FAQs

    Who is eligible to purchase Universal Sompo's own damage insurance plan?

    Any person, who has bought a third party car insurance plan is eligible to purchase an own damage cover to protect their own car against any damages caused due to accident, theft, etc.

    How does premium calculation take place for Universal Sompo Own Damage Insurance Plan?

    The premium calculation for Universal Sompo Own Damage Insurance Plan takes place based on factors like vehicle type, car age, engine cc, geographical zone, etc.

    Is it mandatory to buy an own damage insurance plan?

    No, it is not mandatory to insure your car with an own damage insurance plan in order to legally drive your car on public roads.

    What is Universal Sompo's own damage insurance plan?

    Universal Sompo own damage car insurance plan offers protection to the policyholder against damage or losses caused to their own car because of any accident, theft, etc.

    What are the types of car insurance plans offered by Universal Sompo?

    Universal Sompo majorly offers three types of car insurance plans i.e. third party car insurance plan, comprehensive car insurance plan and standalone own damage car insurance plan.

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 Lac happy customers
    • Claim Support available all 7 days of the week

    Universal Sompo Car Insurance Contact Details

    For any assistance or query, call us on:

    Car Insurance News

    Universal Sompo Car insurance starting from ₹ 802/year*
    or
    Universal Sompo Car insurance starting from ₹ 802/year*
    or
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.