Universal Sompo Standalone Own Damage Car Insurance

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Universal Sompo Standalone Own Damage Car Insurance
  • 3500 Cashless garages

  • Plan starting @ ₹ 2094#

  • 96% Claim settlement ratio

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      Universal Sompo Standalone Own Damage Car Insurance

      A Universal Sompo Standalone Own Damage car insurance policy can be purchased by those policyholders who already have a third party plan and want to extend coverage to damages sustained by their car. This plan by Universal Sompo General Insurance Company is designed to financially cover damages sustained by the insured vehicle due to contingencies like an accident, collision, earthquake etc.

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      Key Features of Universal Sompo Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Offered
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Yes
      Zero Depreciation cover Offered
      PA Cover Upto Rs.15 lakh

      Coverage Under Universal Sompo Standalone Own Damage Car Insurance

      • Losses arising out of fire incidents, explosions or self-ignition are covered
      • Claims can be raised for damages from natural disasters and calamities like floods, hurricanes, etc.
      • Protection against losses arising out of the theft or burglary of the insured car
      • A rail, road, water or air transit causing damages to the insured car is also covered in OD four-wheeler insurance 
      • Damages by external means, such as a road accident or collision.
      • Accidental losses or damages sustained by the insured car outside the geographical area as mentioned in the policy
      • Claims arising out of any contractual liability are not covered under the OD policy coverage
      • Death or injury to the third party or property damage of the third party due to the insured vehicle
      • Accidental damages to the insured car when the driver was drunk driving
      • Losses to the insured car due to nuclear or civil war are also not included in policy coverage

      Add-ons Under Universal Sompo Standalone Own Damage Car Insurance

      A policyholder can also get additional benefits over the standard own damage cover by purchasing additional covers offered under the plan. These include:

      • Depreciation Waiver 
      • Return to Invoice Cover
      • Loss of Personal Belongings
      • Cost of Consumables
      • Key Replacement Cover
      • Engine Protector
      • NCB Protector
      • Roadside Assistance Cover

      How to Buy Universal Sompo Standalone Own Damage Car Insurance Policy?

      A policyholder can opt for an online or offline purchase method to buy a Universal Sompo OD car insurance policy. Below we have mentioned how you can purchase OD car insurance online on Policybazaar Insurance Brokers Private Limited. 

      • Select the “Car Insurance” tab from the homepage of Policybazaar.com
      • Now enter your four-wheeler number in the given form
      • Select your car’s RTO 
      • Select your car’s details like make, model, variant, registration year
      • You will now be taken to the car insurance quotes page
      • Find Universal own damage car insurance plan from the list and check its policy details
      • Select any additional cover that you wish to include in your OD plan
      • Now select the plan with the final premium 
      • On the next page, pay the premium amount via desired payment mode
      • After premium payment, your Universal Sompo own damage policy will be mailed to you

      Documents Required to Raise Universal Sompo Standalone Own Damage Claim

      To raise a Universal Sompo own damage car insurance claim, a policyholder will be required to submit the following documents to the insurer:

      • Car insurance documents
      • Duly filled and signed claim form
      • Copy of Police FIR
      • KYC documents
      • Copy of insured car’s registration certificate
      • Copy of driver’s driving license


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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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