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Universal Sompo Own Damage Car Insurance

Universal Sompo own damage car insurance plan offers coverage to the policyholder against damages caused to the insured vehicle due to any accident or mishap. This insurance plan provides the policyholder with the peace of mind as it gives them the much needed financial stability in the event of any accident or mishap. An own damage insurance plan offers protection to the insured in different scenarios like vandalism, car theft, fire, road accident, natural or man made calamity, etc.

Universal Sompo Standalone Own Damage Insurance Plan V/S Universal Sompo Third Party Insurance Plan V/S Universal Sompo Comprehensive Insurance Plan

Basis

Universal Sompo Standalone Own Damage Insurance Plan

Universal Sompo Third Party Insurance Plan

Universal Sompo Comprehensive Insurance Plan

Coverage Offered

Under this insurance plan, the insured receives insurance coverage against own damage expenses including flood, theft, road accidents, etc. It is not mandatory to buy this cover.

Under this insurance plan, the insured receives insurance coverage against only third party liabilities including death, property damage, injuries, etc. It is not mandatory to buy at least this cover.

Under this insurance plan, the insured receives holistic insurance coverage against both own damages and third party liability under a single insurance plan.

Add-On

A policyholder is given a wide variety of add-on covers to choose from.

A policyholder does not receive the option to include add-on covers.

Here also, various add-on options are presented before to choose from.

Cost

It is expensive as compared to a third party insurance plan as it offers protection against own damages.

As only basic coverage is offered under this plan, it is quite affordable.

It is an expensive insurance plan as under a single plan protection against both own damage as well as third party liability is offered.

What is Covered Under Universal Sompo Standalone Own Damage Insurance Policy?

Universal Sompo Standalone Own Damage Insurance Policy offers coverage for the below-mentioned aspects:

  • Damage or loss to the insured car because of an accident.
  • Vandalism or theft of the insured car.
  • Damage or loss to the car because of an explosion or fire.
  • Damage or loss to the car because of manmade or natural disaster.

What is Not Covered Under Universal Sompo Standalone Own Damage Insurance Policy?

Universal Sompo Standalone Own Damage Insurance Policy does not offer coverage for the below-mentioned aspects:

  • Accidents happening outside geographical boundaries as stated in the policy document.
  • Accidents happening because of illegal driving
  • Depreciation of insured car
  • Breakdown of the insured car because of electrical or mechanical failure.

Benefits of Universal Sompo Standalone Own Damage Policy

Some of the benefits of buying Universal Sompo Standalone Own Damage Policy are highlighted below:

  • This insurance plan offers protection for own damage expenses incurred because of accidents, theft, mishap, etc.
  • Various add-on covers are provided to opt from in order to extend the plan coverage.
  • No claim bonus benefit is offered to the policyholder for each claim free year.

How to Buy Universal Sompo Standalone Own Damage Policy?

To buy Universal Sompo Standalone Own Damage Policy you can follow the below mentioned simple steps:

Step 1: Go to InsuranceDekho website and select ‘car tab’ from thereon.

Step 2: Next, enter your car’s registration number. If you don’t remember then instead enter the car's make, model and registration year to move ahead.

Step 3: Now, enter your personal details. Then, press the ‘Submit and Get Quotes’ option.

Step 4: Different insurance quotes as per the information entered by you will appear on the screen. Select Universal Sompo own damage insurance plan and if you want you can even include add-ons.

Step 5: Finally, make the payment and the documents would get sent to your email ID instantly.

Explore Universal Sompo Car Insurance

Must Read Articles before buying Universal Sompo Car Insurance

Universal Sompo Car Insurance User Reviews

4.8
Rating based on
299 User reviews
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What users are saying
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  • Own Damage
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  • Good discount and multiple opt...

    Easy process to buy policy online at best prices. I am impressed by the options available and customization possible at the website.

    Read More

    D
    Ford Freestyle Bhuj (Kachchh)
    By DEEPAK G RAMNANI
    On: May 21, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    A
    By Ashish Batla
    On: May 18, 2023
  • Reminder feature

    The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Universal Sompo car insurance plan for my Mercedes Benz from their website, which is a very helpful plan and covers all my requirements. This reminder feature keeps on reminding me to renew my policy from time to time.

    Read More

    L
    By Lucky Kumar
    On: March 1, 2023
  • The website has very informati...

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    D
    By Dhruv Batra
    On: February 9, 2023
  • Transparent policy issuance

    While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car through InsuranceDekho, I did not have to pay any hidden charges. I paid the exact amount as shown on the screen earlier. Glad to have this level of transparency.

    Read More

    N
    By Nipun Rangnekar
    On: February 3, 2023
  • Helping team

    I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan best suits my needs so I called the InsuranceDekho team, they understood my confusion and recommended some good car insurance plans. I compared the plans with the help of information on the website and finally purchased a Universal Sompo car insurance policy from InsuranceDekho.

    Read More

    V
    By Varun Gupta
    On: January 24, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    P
    By Prashant Batra
    On: January 3, 2023
  • Informative website

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    N
    By Naman Gupta
    On: October 13, 2022
  • 7 days availability

    The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them on Sunday to buy a good car insurance plan for my BMW. with the help of their team, I chose the Universal Sompo car insurance plan ut comes with superb features and benefits.

    Read More

    N
    By Naman Batra
    On: August 24, 2022
  • Got a good plan at an affordab...

    I wanted a good car insurance plan for my BMW. Also, a plan that could fit in my budget easily. Someone suggested me to visit the InsuranceDekho website, and then I came across the Universal Sompo car insurance plan. The plan was perfectly designed as per my needs.

    Read More

    R
    By Rajat Sharma
    On: August 16, 2022
Universal Sompo Reviews

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Universal Sompo Own Damage Car Insurance FAQs

  • Who is eligible to purchase Universal Sompo's own damage insurance plan?

    Any person, who has bought a third party car insurance plan is eligible to purchase an own damage cover to protect their own car against any damages caused due to accident, theft, etc.

  • How does premium calculation take place for Universal Sompo Own Damage Insurance Plan?

    The premium calculation for Universal Sompo Own Damage Insurance Plan takes place based on factors like vehicle type, car age, engine cc, geographical zone, etc.

  • Is it mandatory to buy an own damage insurance plan?

    No, it is not mandatory to insure your car with an own damage insurance plan in order to legally drive your car on public roads.

  • What is Universal Sompo's own damage insurance plan?

    Universal Sompo own damage car insurance plan offers protection to the policyholder against damage or losses caused to their own car because of any accident, theft, etc.

  • What are the types of car insurance plans offered by Universal Sompo?

    Universal Sompo majorly offers three types of car insurance plans i.e. third party car insurance plan, comprehensive car insurance plan and standalone own damage car insurance plan.

FAQ
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