Universal Sompo Car Insurance Add on Covers

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Car insurance add-ons are additional riders that can be bought on top of a policy for more coverage. In case of damage due to accident/ mishap, considerable expenses may arise. Some of them may not be part of your car insurance coverage. For example, insurers such as Universal Sompo deduct depreciation from the claim amount you place before them. The eventual disbursal will be far less. Or when your car gets lost, only the insured declared value (IDV) will be returned to you. The IDV does not include the road tax, registration cost, etc. But with the addition of Universal Sompo car insurance add-on covers, you will get the total claim amount. Let us know more about the various types of Universal Sompo car insurance add-on covers.


Universal Sompo - 5 Important Add-on Covers for Your Car Insurance Policy

  • Zero Depreciation Cover

The Universal Sompo car insurance zero depreciation cover negates the impact of depreciation on your vehicle insurance claim. With this rider in place, you will be able to get the total amount claimed on your vehicle damage. Buying this Universal Sompo car insurance add-on cover is an excellent decision to keep your finances in order. 

  • Return to Invoice Cover

This rider can be bought on top of comprehensive and standalone own damage car insurance plans. It helps you get complete compensation equaling the original value of your four- wheeler. This add-on cover applies where the vehicle has experienced a total loss in an accident. For example, if your car has been stolen, you will receive the entire original car price as reimbursement. This way, you can buy a new car and restore your vehicle thoroughly.

  • Key Replacement Cover

If the car keys got misplaced or lost during an accident or any other mishap involving your insured vehicle, the key replacement cover of Universal Sompo car insurance will compensate you for it.

  • Consumables Cover

The consumable rider offered by Universal Sompo car insurance is meant for times when your vehicle faces expenses relating to engine oil, grease oil, brake oil, screws, nuts, and bolts, etc. 

  • Engine Protect Cover

The engine protection rider covers the expenses incurred on repairing the damaged engine or gearbox. This policy insures the gearbox and engine against water damage and oil leakages. 

  • Benefits of Universal Sompo Car Insurance Add-on Covers

Adding Universal Sompo car insurance add-on covers to your comprehensive or standalone own damage policy helps you financially as well as mentally. Repair of vehicle parts, such as engine, gearbox and others, can incur you a lot. For example, Maruti Swift engine repair cost can be around INR 40,000, which is just an estimate. The eventual cost might go up further given the extent of the damage. All that gives you an idea of the importance these Universal Sompo car insurance add-on covers hold for you. 

Universal Sompo Car Insurance Add on Cover FAQs

  • 1. Do I have to follow a different claim process if I have bought Universal Sompo car insurance add-on covers?

    No, the claim procedure stays the same even if you have riders added to your base policy. Contact Universal Sompo about the situation as soon as you face it. It will be followed by a surveyor visit to where your car is. Following the inspection made by the surveyor regarding the extent of damage, the car will be towed to the nearest garage for repairs. After the vehicle repair is done, Universal Sompo will settle the claim amount for the applicable rider.

  • 2. Is buying Universal Sompo car insurance add-ons beneficial to me as a vehicle owner?

    As a vehicle owner, it is never a bad thing to increase the protective cover against damages. So, you could consider buying Universal Sompo car insurance add-on covers to protect yourself against expenses not covered under your basic insurance policy.

  • 3. How can one cope with vehicle damage due to rain using Universal Sompo car insurance add-on covers?

    The engine protection add-on would cover the damages caused to your vehicle from water seepage or ingression. 

  • 4. Can Universal Sompo add-on cover help prevent the effects of depreciation during car insurance claim settlement?

    Yes, Universal Sompo car insurance depreciation waiver add-on helps ensure the same.

  • 5. Are Universal Sompo car insurance add-on covers renewable?

    Yes, you can renew Universal Sompo car insurance add-on covers the same as your basic coverage. Infact, the renewal for both basic and add-on covers will happen on the same date. The premium of both basic coverage and add-on covers will add up, and you will need to pay the combined sum to Universal Sompo.

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