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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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Must Read Articles before buying Universal Sompo Car Insurance

Universal Sompo Car Insurance User Reviews

4.8
Rating based on
299 User reviews
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What users are saying
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  • Good discount and multiple opt...

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

    Read More

    D
    Ford Freestyle Bhuj (Kachchh)
    By DEEPAK G RAMNANI
    On: May 21, 2023
  • 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 on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    A
    By Ashish Batla
    On: May 18, 2023
  • Reminder feature

    The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Universal Sompo car insurance plan for my Mercedes Benz from their website, which is a very helpful plan and covers all my requirements. This reminder feature keeps on reminding me to renew my policy from time to time.

    Read More

    L
    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 read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    D
    By Dhruv Batra
    On: February 9, 2023
  • Transparent policy issuance

    While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car through InsuranceDekho, I did not have to pay any hidden charges. I paid the exact amount as shown on the screen earlier. Glad to have this level of transparency.

    Read More

    N
    By Nipun Rangnekar
    On: February 3, 2023
  • Helping team

    I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan best suits my needs so I called the InsuranceDekho team, they understood my confusion and recommended some good car insurance plans. I compared the plans with the help of information on the website and finally purchased a Universal Sompo car insurance policy from InsuranceDekho.

    Read More

    V
    By Varun Gupta
    On: January 24, 2023
  • 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 on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    P
    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 read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    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 on Sunday to buy a good car insurance plan for my BMW. with the help of their team, I chose the Universal Sompo car insurance plan ut comes with superb features and benefits.

    Read More

    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 suggested me to visit the InsuranceDekho website, and then I came across the Universal Sompo car insurance plan. The plan was perfectly designed as per my needs.

    Read More

    R
    By Rajat Sharma
    On: August 16, 2022
Universal Sompo Reviews

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