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.

3500 Cashless garages
Plan starting @ ₹2094^#
96% Claim settlement ratio

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year ^#

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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

Inclusions
Exclusions

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

FAQs

Q1. Are there any discounts offered under Universal Sompo own damage car insurance?
Ans: Yes, a policyholder can avail following car insurance discounts on the purchase of a Universal Sompo own damage cover:
- Anti-theft discounts
- AAI Membership discount
- NCB discount
- Voluntary Deductibles discount
Q2. How to calculate your own damage car insurance premium before purchasing a policy?

Ans: To calculate own damage car insurance premium, you can use a car insurance premium calculator. This online tool lets you calculate car insurance premium based on your car’s RTO, make, model and registration year.
Q3. What is the claim settlement ratio of Universal Sompo General Insurance?

Ans: Universal Sompo General Insurance Company has a claim settlement ratio of 96%
Q4. How to raise a Universal Sompo own damage car insurance claim?
Ans: Follow the steps mentioned below to raise a claim under your Universal Sompo own damage car insurance policy:
- Intimate your insurance provider about the damages sustained by your car
- Upon intimation, the insurer will send a surveyor to examine the damages
- Submit the required documents to the surveyor for claim verification
- After claim verification, send your car to a network garage for repairs
- Once the repairs are done, the insurance company will settle your cashless claim. If you have opted for repairs in a non-network garage, the claim amount will be reimbursed to you after repairs.