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Universal Sompo Car Insurance Add on Covers

Car insurance add-ons are the extra coverages available with standalone own-damage and comprehensive car insurance plans to extend the standard coverage. The add-ons are available against an extra premium but help significantly to get those parts of the car or get assistance which is not provided by default under a car insurance plan.

Universal Sompo - 8 Important Add-on Covers For Your Car Insurance Policy

1. Nil Depreciation Cover

By default the liability to bear the depreciation applicable on the car and its parts falls on the car owner. However, by opting for this add-on, you shift this liability of depreciation to the insurer. Under this add-on, depreciation on your car and all its parts is covered at 100% except tyres, tubes and batteries which are covered at 50%. Two zero depreciation claims are allowed during a policy period.

2. Return to Invoice Cover

In cases of total loss and theft of the car, insurers provide the insured with the IDV of the car. However, when you opt for this add-on, Universal Sompo General Insurance will reimburse you the total cost of your car, i.e, the one mentioned in the car’s invoice. The invoice price includes road tax, registration charges, custom duty (if any) in addition to the IDV.

3. Daily Cash Allowance Cover

If you opt for this add-on, the insurer will provide you with a cash benefit till the time your car is under repairs at one of its authorized garages.

4. Key Replacement Cover

This add-on helps you get compensated for the cost of obtaining a new key in case your car key gets stolen or lost.

5. RoadSide Assistance Cover

This add-on helps you get emergency assistance from the insurance when you get stranded due to a mechanical or electrical breakdown, flat tyre, dead battery, insufficient fuel, accident of your car.

6. Consumables Cover

This add-on helps you get compensated for the consumables of your car like nuts and bolts, oil filter, engine oil, screws, grease, etc.

7. Engine Protect Cover

By default, the engine and gearbox are not insured under a standard plan. However, when you opt for this add-on you get the car’s engine, its parts and the gearbox insured against water damage as well as oil leakages.

8. NCB Protect Cover

No Claim Bonus is the reward which is available to you for not making even a single claim during the entire policy period. However, you can lose your NCB if you make even a single claim. However, an NCB Protect helps you keep your NCB intact even if you make a claim during the policy period.

Must Read Articles before buying Universal Sompo Car Insurance

Universal Sompo Car Insurance User Reviews

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What users are saying
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  • Easy process to buy policy online at best prices. I am impressed by the options available and customization po...

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    Ford Freestyle Bhuj (Kachchh)
    On: May 21, 2023
  • While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available...

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    By Ashish Batla
    On: May 18, 2023
  • The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Univers...

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    By Lucky Kumar
    On: March 1, 2023
  • The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I...

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    By Dhruv Batra
    On: February 9, 2023
  • While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car t...

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    By Nipun Rangnekar
    On: February 3, 2023
  • I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan b...

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    By Varun Gupta
    On: January 24, 2023
  • While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available...

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    By Prashant Batra
    On: January 3, 2023
  • The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I r...

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    By Naman Gupta
    On: October 13, 2022
  • The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them ...

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    By Naman Batra
    On: August 24, 2022
  • I wanted a good car insurance plan for my BMW. Also, a plan that could fit in my budget easily. Someone sugges...

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    By Rajat Sharma
    On: August 16, 2022

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