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Universal Sompo Bike Insurance provides comprehensive coverage for motorcycles, scooters, and electric two-wheelers, protecting policyholders against accidental damage, theft, fire, natural calamities, and third-party liabilities. The policy is designed to offer financial security and peace of mind, ensuring riders are protected from unexpected expenses arising from road incidents and other covered risks.
As India's first public-private partnership general insurance company, Universal Sompo General Insurance brings together global insurance expertise from Sompo Japan and the strong financial backing of leading Indian institutions. This combination enables the company to offer reliable two-wheeler insurance solutions, efficient claim support, and customer-focused services tailored to the evolving needs of two-wheeler owners.
Cashless Garages: 13,500+ network garages across India
Personal Accident Cover: Up to ₹15 lakh for the owner-driver
Customer Support: 24x7 assistance for policy and claim-related queries
Policy Types: Third-Party, Comprehensive, Standalone Own Damage, and Long-Term Bike Insurance
No Claim Bonus: Up to 50% discount on own-damage premium for claim-free years
Add-On Covers: Depreciation Waiver, Return to Invoice, Engine Protector, Roadside Assistance, Consumables Cover, and more
Claim Process: Intimation, Surveyor Appointment, and Claim Assessment & Settlement
From comprehensive protection to hassle-free claims, Universal Sompo Bike Insurance provides several benefits that help riders stay financially secure on the road.
Universal Sompo brings together the insurance expertise of Sompo Japan and the strength of leading Indian banking institutions, offering reliable insurance solutions backed by extensive industry experience.
Policyholders can access over 13,500 authorised garages across India for cashless repairs, reducing the hassle of arranging funds during vehicle repairs.
Universal Sompo offers several specialised add-ons, including Depreciation Waiver, Return to Invoice, Daily Cash Allowance Benefit, Engine Protector, and Loss of Driving Licence/Registration Certificate Cover, allowing riders to customise their coverage.
The insurer follows a simplified claim process with paperless claim intimation, surveyor assessment, and settlement support through network garages.
From petrol-powered motorcycles to electric scooters, Universal Sompo provides insurance solutions designed to address evolving mobility needs while ensuring legal compliance and financial protection.
Universal Sompo offers multiple two-wheeler insurance solutions designed for different rider requirements, ranging from mandatory third-party protection to comprehensive coverage that safeguards both the rider and the insured vehicle.
Universal Sompo's Third-Party Bike Insurance Policy provides coverage against legal liabilities arising from bodily injury, death, or property damage caused to a third party by the insured two-wheeler. This policy fulfils the mandatory insurance requirement under the Motor Vehicles Act, 1988 and is suitable for riders seeking basic legal protection.
A Comprehensive Bike Insurance Policy offers wider protection by combining third-party liability cover with own-damage protection. It covers accidental damage, theft, fire, self-ignition, natural calamities, riots, strikes, malicious acts, and other insured perils affecting the insured vehicle. Policyholders can further strengthen coverage through optional add-on covers.
The Standalone Own Damage Policy protects the insured two-wheeler against losses arising from accidents, theft, fire, natural disasters, and other covered risks. This policy can be purchased separately if the bike already has a valid third-party insurance policy.
Universal Sompo also offers long-term bike insurance solutions that help policyholders maintain uninterrupted coverage while reducing the hassle of annual renewals. These plans are especially beneficial for new bike owners looking for long-term protection and compliance.
The policy covers loss or damage caused to the insured two-wheeler due to accidents, collisions, overturning, and other unforeseen events.
Coverage is available for damage resulting from fire, self-ignition, lightning, explosion, and similar incidents affecting the insured vehicle.
The policy provides financial protection if the insured bike is stolen or suffers loss due to burglary or attempted theft.
Coverage includes damage caused by floods, cyclones, storms, earthquakes, landslides, hurricanes, and other natural disasters.
The policy protects against losses arising from riots, strikes, malicious acts, terrorism, and similar man-made events.
Coverage extends to damages sustained while the insured vehicle is being transported by road, rail, inland waterways, lifts, elevators, or air transport.
The policy covers legal liabilities arising from injury, death, or property damage caused to third parties by the insured vehicle.
Universal Sompo provides Personal Accident Cover of up to ₹15 lakh for the owner-driver against accidental death or specified disabilities arising from a road accident.
Losses resulting from regular usage, ageing, and gradual deterioration of vehicle parts are not covered.
The policy does not cover repairs arising solely due to mechanical failures or electrical malfunctions.
Any consequential loss resulting from continued use of a damaged vehicle or delayed repairs is excluded from coverage.
Depreciation applicable to parts such as tyres, tubes, plastic components, batteries, and rubber parts is generally not covered unless a Depreciation Waiver Add-On is purchased.
Claims arising when the vehicle is ridden by a person without a valid driving licence may not be admissible.
Damages occurring while riding under the influence of alcohol, intoxicants, or prohibited substances are excluded.
Losses occurring due to usage contrary to policy conditions, including racing or speed testing activities, are not covered.
Universal Sompo allows policyholders to customise their bike insurance policy with a range of add-on covers that extend protection beyond standard coverage.
This add-on eliminates depreciation deductions on replaced parts during claim settlement, helping policyholders receive a higher claim amount and minimise out-of-pocket repair expenses.
In case of theft or total loss of the insured bike, this cover helps compensate the difference between the bike's Insured Declared Value (IDV) and its original invoice value.
Provides emergency support services such as towing assistance, battery jump-start, fuel delivery, flat tyre assistance, and on-road breakdown support.
Offers financial protection against engine and gearbox damage caused by water ingress, lubricant leakage, and hydrostatic lock, which are generally excluded under standard bike insurance policies.
A distinctive Universal Sompo add-on that provides a daily allowance when the insured bike remains unavailable due to repairs following an admissible claim.
Provides a fixed daily benefit if the insured rider is hospitalised due to injuries sustained in a covered accident.
This value-added cover offers financial assistance when eligible family members require hospitalisation due to an accident covered under the policy terms.
A specialised add-on that covers expenses associated with the loss of important vehicle documents such as the driving licence or registration certificate.
Purchasing Universal Sompo Bike Insurance through Coverfox allows you to compare plans, customise coverage, and complete the entire process online in just a few minutes.
Enter your bike registration number or select the make, model, variant, and registration year of your two-wheeler.
Review Universal Sompo Bike Insurance plans alongside policies from other leading insurers to find the most suitable option.
Choose the preferred coverage type, select an appropriate IDV, and enhance your policy with add-ons such as Depreciation Waiver Cover, Roadside Assistance Cover, or Return to Invoice Cover.
Check the premium amount, policy inclusions, exclusions, and benefits before finalising your purchase.
Complete the payment using your preferred online payment method through Coverfox's secure platform.
Your Universal Sompo Bike Insurance policy will be issued digitally and sent to your registered email address immediately after successful payment.
Customer Care Number: 1800 200 4030
Senior Citizen Helpline: 1800 267 4030
Email ID: contactus@universalsompo.com
Claims Email ID: contactclaims@universalsompo.com
Customer Support: 24x7 assistance for policy servicing and claims support
Corporate Office: Universal Sompo General Insurance Company Ltd., 8th Floor and 9th Floor (Part – South Side), Commerz, International Business Park, Oberoi Garden City, Off Western Express Highway, Goregaon East, Mumbai – 400063
Universal Sompo Two Wheeler Insurance is a motor insurance policy that protects your bike or scooter against financial losses arising from accidents, theft, fire, natural calamities, and third-party liabilities. The insurer offers both basic and comprehensive coverage options to suit different rider requirements.
Universal Sompo offers Third-Party Bike Insurance, Comprehensive Bike Insurance, Standalone Own Damage Bike Insurance, and Long-Term Two-Wheeler Insurance policies. Riders can choose a plan based on their coverage needs and legal requirements.
You can renew your policy online by entering your vehicle registration number or policy details, reviewing the coverage, updating add-ons if required, and completing the payment process. The renewed policy is issued digitally after successful payment.
Universal Sompo's Comprehensive Bike Insurance covers third-party liabilities as well as damages to the insured vehicle caused by accidents, theft, fire, self-ignition, natural calamities, riots, strikes, and other insured risks. It can also be enhanced with add-on covers for broader protection.
You can register a claim by contacting Universal Sompo's customer support team or through the insurer's online claim platform. After claim intimation, a surveyor is assigned to assess the vehicle before claim settlement is processed.
Yes. Universal Sompo provides cashless repair facilities through a network of more than 13,500 authorised garages across India, allowing policyholders to repair their vehicles without making upfront payments for covered damages.
Yes. The No Claim Bonus (NCB) is linked to the policyholder and can be transferred from another insurer to Universal Sompo during policy purchase or renewal, subject to the insurer's requirements and supporting documents.
Some key benefits include access to 13,500+ cashless garages, 24x7 customer support, paperless claim intimation, multiple customisable add-ons, digital policy management, and comprehensive protection against a wide range of risks.
Universal Sompo offers No Claim Bonus (NCB) benefits of up to 50% on the own-damage premium for consecutive claim-free years. Policyholders may also benefit from other discounts as per prevailing insurer guidelines and eligibility criteria.
The premium depends on several factors, including the bike's make and model, age, engine capacity, geographical location, Insured Declared Value (IDV), policy type, No Claim Bonus (NCB), and selected add-on covers.
Yes. Roadside Assistance is available as an optional add-on cover and provides services such as towing assistance, battery jump-start, fuel delivery, and breakdown support during emergencies.
You can check your policy status through Universal Sompo's online portal using your policy number, vehicle registration number, or other policy details. Customers can also contact customer support for assistance regarding policy information and servicing.
