Universal Sompo Comprehensive Car Insurance Policy
| CASHLESS GARAGES | 3,500 |
| CLAIMS SETTLED | 96% |
| COMPREHENSIVE CLAIMS | UNLIMITED |
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Universal Sompo Comprehensive Car Insurance Policy
A comprehensive car insurance policy is a recommended car insurance plan mainly because car repair costs are extremely high these days. The comprehensive car insurance policy offered by Universal Sompo General Insurance insures you against the financial liabilities of damage incurred by your car in any road accident, theft, fire, natural/man-made calamity or any other mishap. It also provides insurance coverage for all third party liabilities (both life and property) arising out of any uncertain events involving your insured car.
Universal Sompo Comprehensive Car Insurance Vs Third Party Policy
Basis | Comprehensive Car Insurance | Third Party Policy |
Coverage | The comprehensive car insurance policy offers indemnification for damage incurred by the insured car and injury/death of a third party along with reimbursement of up to Rs 7.5 lakh for third party property damage. | The third party policy offers basic coverage against third party liabilities only. It offers limited/unlimited compensation for bodily injury/death of a third party and a coverage of up to Rs. 7.5 lakh for third party property damage. |
Add-ons | A wide range of add-on covers such as Zero Depreciation Cover, NCB protection, Consumables Cover, etc. are available with the Universal Sompo comprehensive car insurance policy. | No add-on covers are available for purchase with the third party policy. |
Cost | Comprehensive plan is comparatively expensive due to extensive coverage. | Third party only policy is comparatively cheaper as it has limited coverage. |
Universal Sompo Comprehensive Car Insurance Coverage
- Own Damage incurred by the insured car in road accidents, natural or man-made calamities, theft, fire or any other uncertain event.
- Unlimited liability cover in case of death of a third party.
- Unlimited/limited coverage in case of bodily injury/ permanent disability.
- Indemnification of up to Rs 7.5 lakh for third party property damage.
Universal Sompo Comprehensive Car Insurance Benefits
- Availability of personal accident cover of up to Rs. 15 lakh for owner-driver.
- No Claim Bonus discounts on own-damage premiums of up to 50%.
- Availability of 24*7 responsive customer services.
- Customization of the coverage with the help of add-on covers.
- Quick, digital and paperless issuance and renewal of policies.
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Universal Sompo Comprehensive Car Insurance FAQs
I have lost the insurance policy, is it possible to get a duplicate one?
What are the factors that determine the own-damage (OD) premium of a comprehensive car insurance policy?
Will I be able to get a personal accident cover if my vehicle is registered in someone else’s name?
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