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Universal Sompo Motor insurance

Universal Sompo Motor insurance

Who can take the policy?

Any vehicle owner whose vehicle is registered in his/her name with the Regional Transport Authority in India.

The Policy covers loss or damage to the vehicle insured arising out of:

Loss or damage to the Vehicle Insured against Fire, explosion, self-ignition, lightning, burglary, theft, riot, strike, malicious act, terrorism, earthquake, flood, typhoon, accidental external means, landslide or rockslide, road/rail/inland waterway/air transit.
Legal Liability to third parties personal injury and property damage.
Compulsory Personal Accident cover for the owner driver.

Who can take the policy?

Any vehicle owner whose vehicle is registered in his/her name with the Regional Transport Authority in India.

Optional extensions on payment of extra premium

Legal liability to paid driver, cleaner or any workman.
Personal Accident to the occupants.
Increased legal liability to property damage of third party for a limit of Rs 7.5 lakhs(in case of private car & 1 lakh (in case of two wheeler).
Personal Accident to the pillion riders. (in case of two wheeler).
Loss of accessories.

Exclusions

Depreciation, wear and tear.
Mechanical and electrical breakdown, failure or breakage.
When vehicle is used outside the geographical area.
When used contrary to limitation as to use.
Driven by a person other than the driver stated in driver’s clause.
War perils, nuclear perils and drunken driving.

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