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Universal Sompo for Motor Insurance

Universal Sompo General Insurance is the venture between Indian banks those are Allahabad Banks, Karnataka Banks, Indian Overseas Bank and the Japanese company. The Japanese Indo Insurance Company has its headquarters at Mumbai, and now, the industry is growing rapidly. The company got the legal certificate in 2007 and after that, the company never looked back and kept on developing. There are about 113 branches and 17 zonal offices across the country of India. It shows their well-connectivity. They have the 24*7 helpline number which can be helpful for solving the queries. The amount figure of the capital is very high. They provide the services according to their customers so this is the strength of their company. Their custom-made policies attract more and more customers. One of their most demanded insurance plans is two-wheeler plan, which comes under motor insurance plans.

Why choose car insurance plan from Universal Sompo Insurance Plan?

The company is growing drastically as they provide the insurance plans in the simplest form. With the support of three Indian banks, the security of money is very high. All those people who are in search of insurance plans but don’t have so much of time, they could easily choose Universal Sompo General Insurance. The process of claiming and registering for the insurance is so simple that takes hardly 10 to 15 minutes. The advantages over other companies are:

  • The company provides the fastest insurance claiming service. The process of claiming adopted by the company is hassle-free and simplified.
  • The cashless claim service offered by the company is very helpful for many people. The facility can be availed over 2000 of workshops across the country.
  • A 24-hour helpline service makes the company in well contact with its customers and seekers. One does not need to wait and visit the place, they just need to call their number and the solution of your problem will be done in few hours.
  • The motor or two-wheeler plan covers very important things like cover for both third party liability and personal accident cover under a single plan.
  • There is also a no-claim bonus for claim free years. If a person has the bonus of previous policy, it can be taken forward even if the previous policy was a different company.
  • A wide network of workshops across the country provides a hassle-free inspection service and gives a high standard of services.
  • In case of an unfortunate accident, the personal accident is also covered.
What about two-wheeler plan by Universal Sompo?

Here are some basic contingencies covered in the two-wheeler insurance plan:

Natural Calamities: The first thing which is covered is loss or damage to the vehicle due to natural calamities like fire, explosion, earthquake, flood, typhoon, hurricane, storm, tempest, cyclone and much more and yes, self-ignition too.

Man-made Causes: The loss incurred due to man-made activities such as burglary, theft, riot, strike, any terrorist activity are covered by this insurance.

Personal Cover: The other important thing which is covered under the policy is personal. The owner of the vehicle is also covered up to 1 lakh if any unfortunate event happens while driving or traveling from the vehicle.

Third Party Liability: If the accident caused by the insured vehicle has caused damage to the third party, the loss is covered inside the policy. The minimum damage limit is Rs. 6000 whereas the maximum is Rs. 7.50 Lakhs. The driver should have proper license and papers.

Some great optional Extensions

There are some more extensions which can be availed in Universal Sompo Two-Wheeler Insurance Plan. It includes coverage of legal liability for the driver or any workman. The customer can opt for the safety of his drivers and workmen. The extension can be in regard to accessories in which all the accessories of the vehicle is covered by the insurance plan. Just a small extra premium has to be made.

Exclusion under the motor plan

While the two-wheeler plan offered by the Universal Sompo company covers most of the things, but still every company or every plan has some exclusions. Here is the list of the exclusions under the two-wheeler insurance plans.

  • Normal wear and tear on the vehicle due to regular use are not covered in the policy.
  • Mechanical fault or electrical breakdown of the vehicle.
  • Damage in case of usage of the vehicle is done beyond its limitations.
  • Depreciation or any consequential loss.
  • Damage caused by a person without a legal license.
  • Damage caused by a person influenced by drugs or alcohol.
  • Damage done for personal benefit or by the personal war is not covered under the plan.
Process of Claiming

The claim process is kept very simple according to the customer's point of view. The customers can easily raise and settle their two wheeler insurance claim anytime. Here is the process:

Register: The first thing customer has to do is register with them. The customer has to provide some basic information on their toll-free number. The online registering option is also there. The required information consists of contact details, policy number, date and time of the accident and location also. Apart from these, some more information will also be required. A claim reference number will be given to the customer and the customer can check the status of the claim anytime on the internet or on the phone.

Sending the vehicle for repairing: As soon as the accident happens, the vehicle needs to be taken at the garage so more damage does not occur. In case of theft or burglary, the customer should file the complaint in the police office.

Survey and Claim Settlement: at the last, the customer has to submit a copy of the documents to the garage dealer. Different documents are required for different types of accidents. One can check the list of the supported document on their website.

Universal Sompo Motor Insurance is the perfect plan that the people usually look for. In India, to have a motor insurance is the necessity of life. So, under the motor insurance act, it has been made compulsory to have the insurance by the government.


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