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Your two-wheeler ownership entails having an insurance cover compulsorily according to the Motor Vehicles Act 1988. Since the primary intention of the legal obligation is to promote road safety, third-party insurance cover is mandatory. However, it makes sense to enhance the ambit by adding the own-damage feature to it for umbrella protection from driving hazards. And the Universal Sompo comprehensive bike insurance policy fits the bill eminently with additional and redeemable features seldom offered elsewhere.
Study the standard features offered in the comprehensive policy of Universal Sompo bike insurance, as you have ample scope to enhance the coverage while purchasing. Accordingly, the policy protects you from third-party liabilities and adds an own-damage cover protecting the insured vehicle and the policyholder from loss and damages regardless of accidents. Thus, the policy protects your dream machine from losses involving theft, fire, explosions, and natural calamities, to name a few. However, that does not preclude the options for add-ons to augment the coverage further.
Comparing the comprehensive and third-party policies is handy to satisfy the need for enhanced coverage beyond the legal obligation.
Features | Comprehensive Policy | Third Party Policy |
Coverage | Own damage, in addition to third-party liabilities. | Only third-party physical and legal liabilities. |
Legal Obligation | Optional to buy. | Compulsory account to the MV Act 1988. |
Cost | Costlier due to extensive coverage. | Comparatively lower due to meager coverage. |
Policy Term | 1 year | 3 years |
It is most convenient to purchase Universal Sompo comprehensive bike insurance online from the comfort of your home or office in a user-friendly environment. The steps are simple and minimal.
The coverage is true to the name providing comprehensive coverage to the insured vehicle and the two wheeler insurance policyholder.
Own Damage:
Add-on Covers: Any cover with an enhanced coverage provided in the add-ons
Third-party Liability: Compensation for loss and damage to third party person, vehicle and property.
It is essential to clearly understand the Universal Sompo comprehensive two-wheeler insurance exceptions to prevent claim repudiation.
There are ample reasons to buy Universal Sompo two-wheeler comprehensive insurance policy laced with several benefits:
Universal Sompo is gaining popularity among the two-wheeler owner fraternity for their extensive network garages affording cashless claims. In addition, the customer support system operates 24/7 to provide emergency assistance in times of need. And the icing on the cake is that the insurer offers unlimited claims under their Universal Sompo comprehensive bike insurance policy.
The insurer’s financial liability towards the policyholder is up to the Insured Declared Value (IDV) mentioned while purchasing the policy.
It is best to renew the policy well before the expiry date to prevent losing coverage benefits.
The only criterion for purchasing the Universal Sompo comprehensive bike insurance policy is that your two-wheeler must first register with the local RTO.
There are no bars on purchasing add-on covers in the Universal Sompo comprehensive bike insurance policy against an additional premium.