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Universal Sompo Two Wheeler Insurance

Universal Sompo General Insurance Co. Ltd is a public private sector company which is a joint venture between Allahabad Bank, Indian Overseas Bank, Karnataka Bank in India and Sompo Japan Insurance Inc. from Tokyo Japan. It is located in Mumbai. It offers motor, health and travel insurance.

Universal Sompo Two Wheeler Insurance - Features

Some of the salient features of this policy are as follows:-

  • This policy covers and loss or damage to your two wheeler caused due to naturally occurring catastrophes and also man-made calamities.

  • This policy provides a mandatory personal accident cover to the driver or the owner of the vehicle.

  • This policy also offers cover against any third party liability which has incurred to an accident.

  • The depreciation of your two wheeler parts are already defined in the policy which can be replaced in the advent of any accident.

  • This policy offers discounts for opting high voluntary excess.

  • Provision of NCB bonus discount is offered during renewal if a claim has not been made in the previous policy year.

  • If your two wheeler has anti-theft devices involved which are approved by a recognized body such as the ARAI.

Policy Extensions

  • Any loss or damage incurred to electronic and electrical parts of your two wheeler.

  • A personal accident cover is offered to the pillion riders of your bike.

  • This policy is under the legal liability to pay a compensation to the driver, cleaner or any workman.

Policy Exclusions

  • An accident which occurs outside the geographical area .

  • Compulsory deductible amount.

  • Ageing, wear and tear.

  • Depreciation.

  • Damage by person without driving license.

  • Driving under the influence of drugs or alcohol .

  • The two wheeler is not been used according to the norms defined in the policy .

Claim Settlement

Cashless Garage Network - The cashless claim facility is available at their network garages which are widespread across India.