• Cashless Garage Network - Cashless garage services
• Special Add-on covers – Nil Depreciation, Return to Invoice, etc

• Nil Depreciation cover: Covers the cost of depreciable parts such as rubber, metal, plastic, nylon, etc at the time of claims.
• Return to Invoice/ Manufacturer's Selling Price / On Road Price: In case of a Total Loss or Constructive Total Loss Universal Sompo will reimburse the invoice price including the Road Tax Registration charges.
• Daily Cash Allowance: if your insured two-wheeler is in authorized garage due to the accidental repairs (for more than 3days), the company will pay you the daily allowance as a compensation.
• Loss of Driving License: A compensation of upto Rs. 500 if the owner of the insured vehicle losses Original Driving License or Original Registration Certificate to obtain the duplicate copy.
• Additional Accidental Injury Compensation (Owner): In addition to the compulsory Personal Accident Cover of 1 Lac, you can extend upto 8 Lac in a slab of 1 Lac in case of a injury leading to Death or Permanent Total Disability, due to the accident while driving the insured vehicle.
• Wider PA Benefit (Owner): To extend the Persoanal Accident Cover upto the Sum Insured of 5 Lacs.
• Accidental Hospitalization cover for Family: Universal Sompo will reimburse the cost of the hospitalization expenses incurred to the owner of the insured vehicle in case of accidental injury cause while traveling in the insured vehicle, for all the named family members upto 5 Lacs.
• Hospital Daily Cash: In case of hospitalization due accident while traveling in the insured vehicle, the company will pay maximum Rs. 2000 per dayfor maximum 30 days.
• Additional Accidental Injury Compensation (Family): To extend the Personal Accident Cover upto the Sum Insured of 5 Lacs, for named family members.
• Driving - Train Protect (Cover for Child parts of Engine, Differential and Gear Box): Any consequential losses or damage to the parts of the engine or gear box due to the water ingression or leakage of oil will be covered (but not due to the accidental means). Only one claim will be entrained.
• Cost of Consumables: Under this cover the cost of the consumables, such as nuts, bolts, washers, battery water, gaskets, grease, etc. is covered at the time of claim.
• Road side Assistance for Two Wheelers: You get 24*7 road side assistance along with various facility like towing, repair on the spot, repairing puncture, emergency fuel delivery, etc.
• Engine Protector: Any consequential losses or damage to the parts of the engine or gear box due to the water ingression or leakage of oil will be covered due to the accidental means.
• NCB Protector: To retain the No Claim Bonus even after lodging a claim, so that you can avail discount on the next year’s premium, pertaining to the maximum of 2 claims made in a policy period.

Universal Sompo General Insurance offers many attractive discounts that the policyholder can avail.

• No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefited with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.

• Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim. If you don’t make any claims you still get discount and neither the minimum amount you agreed to pay at time of claim.

Universal Sompo Two Wheeler Insurance also offers a discount:

1. Discount for opting higher voluntary excess
2. Concession for specially designed/modified vehicle for blind, handicapped and mentally challenged persons
3. Depreciation, for the parts needing replacement in the accident is defined
4. If you install an ARAI anti-theft device

Contact Details:
Website: www.universalsompo.com
Email: contactclaims@universalsompo.com
Toll-Free Number: 1800 22 4030, 1800 200 4030,
Other Contact Numbers: 022 - 27 63 9800, 022 - 39133700

Required steps and supporting documents:

a) In case of Accident

• Immediately contact Universal Sompo on their toll-free number 1-800-22-4030
• Lodge a claim with duly signed Claim Form
• Copy of Driving License, RC book, Policy document
• FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
• Original Repair Estimate Bill
• In case of cashless service, only Invoice receipt
• In case of reimbursement provide estimate bill, original invoice and payment receipt
• Form 35 & original NOC from financer in case of total loss where payment is made to insured

b) In case of Theft

• Immediately contact Universal Sompo on their toll-free number 1-800-22-4030
• Lodge the claim with duly signed claim form
• Original keys with Copy of Driving License, RC book, Policy document
• Police FIR copy
• Duly signed Form 26, 28, 29, 30 and Form 35.
• Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

• Immediately contact Universal Sompo on their toll-free number 1-800-22-4030
• Lodge the claim with duly signed claim form
• Police FIR copy
• Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

1. The first things to make a claim is to call on Universal Sompo General Insurance’s Toll-Free Helpline number - 1-800-22-4030

2. Take appointment with the surveyor and take your vehicle to any of Universal Sompo General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor

3. Company confirms liability

4. If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable

5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

6. Vehicle Delivery