Universal Sompo Private Car Package Policy

Under this add-on the company shall bear the depreciation amount deducted on the value of the parts replaced as a result of admissible claim under base policy.

The depreciation amount will be waived as per the Depreciation Waiver Plan option chosen by Insured
a) Plan A: There will be No depreciation charged on the cost of the parts to be necessarily replaced.
b) Plan B: 75% waiver of currently applicable depreciation for Rubber /Nylon/Plastic parts/ Tyres/Tubes/Battery/Air bags/Fiber glass parts
c) Plan C: 50% waiver of currently applicable depreciation for Rubber /Nylon/Plastic parts/Tyres/Tubes/Battery/Air bags/Fiber glass parts.

Specific Conditions:

1. The add-on as per Plan A & Plan B is available subject to the insured vehicle not being older than 60 months counting from the date of invoice or date of registration of the vehicle, whichever is earlier.
2. The add-on as per Plan C is available for vehicles over 5 year old subject to the vehicle not being older than 84 months counting from the date of invoice or date of registration of the vehicle, whichever is earlier.
4. Applicable only for repairs undertaken at designated authorized garages of manufacturers
5. The add-on is not available for Obsolete vehicles.

Deductible: Compulsory excess and Voluntary excess shall be deducted as mentioned in the Motor Policy Wordings.

Under this add-on the company agrees to pay the “difference amount” between the “On Road Price” and Insured Declared Value in the event of a Total Theft or Total Loss/ Constructive total Loss of the Insured vehicle. The “On Road Price” is defined as Manufacturers’ Selling Price of the vehicle + Road Tax + Other Charges incurred for the class/make model of the vehicle .The “On Road Price “can be established by the invoice of the original purchase issued by the dealer and the documents in support of Other charges paid under the Head Road Tax, Registration Charges.

Specific Conditions

1. The insured should be the registered owner of the vehicle.
2. Claim is deemed to be Constructive Total Loss if aggregate cost of repairs and retrieval exceeds 75% of the IDV.
3. The add-on is available subject to the Insured vehicle not being older than 60 months counting from the date of invoice or the date of registration of the Insured vehicle whichever is earlier.
4. The financiers’ “No Objection” shall be made available.
5. The Add on shall prevail only if the Total Loss /Constructive Total Loss claim is admissible under the Policy
6. Not available for Imported vehicles i.e. fully built up units imported from overseas
7. The new vehicle replacing the covered vehicle should be insured with USGIC

Specific Exclusions

1. No coverage under this add on is available if stolen vehicle is recovered within 90 days of theft
2. Cost of accessories (electrical/ electronic /non electrical) installed by the insured and or installed bi -fuel kits not insured at inception of the policy
3. This shall not include any facilitation charges paid to any intermediary/ dealer for getting the vehicle registered.
4. Models declared obsolete (out of production) shall not be provided with this Add on

Under this add-on, the Company will pay you a Daily Cash Allowance as per the Policy schedule, in case the insured vehicle is laid up in an authorized garage/ service station for repairs of accidental damages covered under the Policy and the insured vehicle is essentially required to be laid up for more than 3 days at the garage .The benefit shall be limited to total 5 of days in excess of the 3 days for accidental damage claims

Specific Conditions

1. The insured vehicle is not over 5 years old counting from date of the first registration/invoice whichever is earlier.
2. The claim for accidental damages is payable under the Policy
3. The benefit ceases the day the insured vehicle is ready for delivery after covered repairs
4. In case of theft and recovery before expiry of 10 days, the benefit shall be payable till the date of such recovery only.

Specific Exclusions

Benefit for period of delay in taking delivery by the insured

Deductible

(a) 3 days in case of accidental repairs
(b) 1 day in case of theft of vehicle

Allowance Per Day
IDV	Metros	Non Metro
Upto Rs 5 lacs	750	500
Premium	300	200
Above Rs 5 lacs but less than Rs 10 lacs	1,000	750
Premium	350	300
Above Rs 10 lacs	1,500	1,000
Premium	550	350

Under this add-on, the Company agrees to pay for losses arising out of repair or replacement of engine parts of the Insured vehicle due to Hydrostatic Lock and ingression of water in the engine.

Special Conditions:

a) The insured should be the First Registered Owner and insured vehicle not more than (5) years from the date of start of cover.
b) Repair or replacement in the company’s Authorised Garages across India.
c) The insured vehicle should be used only for Private Purpose (as per the terms and conditions of the policy schedule) and in case of Transfer of ownership, cover will cease.
d) The following cover would be subject to an ‘admissible claim’ in the Own Damage Section of the Motor Packaged Policy (with immediate intimation for retrieval of the vehicle from the water-logged area).
e) In case of replacement of the engine, submission of Invoice within 15 days of date of loss for Endorsement in the Policy.

Under this add-on, the Company will reimburse the inpatient hospitalization expenses incurred for accidental injuries suffered whilst travelling in the insured vehicle only. The cover is available as a single limit for all the named family members.

Specific Conditions

1. The claim for accidental damages to insured vehicle should be payable as per Policy conditions.
2. Sum insured will range from Rs. 1,00,000 to Rs. 5,00,000 in units of Rs. 1,00,000.
3. Family shall mean – self, spouse and up to 2 dependent children of age not greater than 25 years.
4. Age limit for family members 65 years.
5. Condition of Contribution shall not be applicable, however expenses claimed under any other policy cannot be again claimed for, and other than the excess expenses (not paid under the other Policy) can be covered herein .The Payment is irrespective or independent of the liability under the main Motor Package Policy.

Specific Exclusions

1. Hospitalization/Domiciliary Hospitalization expenses arising from all Diseases/ Injuries which are in Pre-existing Condition.
2. Hospitalization/Domiciliary Hospitalization expense incurred on treatment of the Joint replacement unless need of same arises due to a covered accident Injury directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operation (whether war be declared or not).
3. Circumcision unless necessary for the treatment unless required as a result of accidental bodily injury; plastic surgery except those relating to treatment of Injury.
4. Cost of spectacles and contact lens or hearing aids.
5. Dental treatment or surgery of any kind
6. Convalescence, general debility, run down condition or rest cure, congenital external defects or anomalies, intentional self-injury and use of intoxicating drugs/alcohols.
7. Expenses on Diagnostic, X-Ray, or Laboratory examinations unless related to the treatment of Injury falling within ambit of Hospitalization.
8. Expenses on treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of any of these, including caesarean section and any infertility, sub fertility or assisted conception treatment.
9. Injury or Diseases directly or indirectly caused by or contributed to by nuclear weapons/material.
10. Any expense on treatment of Insured Person as outpatient only in a Hospital.
11. Any expense on Naturopathy, non-allopathic treatment and/or any treatments not approved by Indian Medical council any expense related to Injury suffered whilst engaged in adventurous sports.
12. External medical equipment of any kind used at home as post hospitalization care like wheelchairs, crutches, instruments used in treatment of sleep apnea syndrome (C.P.A.P) or continuous peritoneal ambulatory dialysis (C.P.A.D) and oxygen concentrator for bronchial asthamatic condition, etc.
13. War, riots, strike, terrorism acts, and nuclear weapon induced treatment.

Under this add-on, the company provides for coverage of cost of procuring new set of lock and key from manufacturers only. Sum Insured choices Rs. 25,000/-for cars with IDV upto Rs 5 lac and Rs 50,000 for cars with IDV more than Rs 5 lacs .

Specific Exclusions

a) Subject to submission of bills of purchase
b) A Police report filed after a break in is a must to support the contention/claim under this section should be immediately filed as is essential for case of break in.
c) For the claims on account of loss of keys/ locked out ,it is important to call our call center and lodge the claim immediately giving full detail

Under this add-on, the company covers expenses incurred by the Insured towards replacement of consumable items, in the event of damage to the Insured vehicle and/or to its insured accessories, arising out of any peril as covered under Own Damage Section of the Motor Package Policy. For the purpose of this endorsement, Consumable items refer to those articles or substances which have specific uses and when applied to their respective uses are either consumed totally or are rendered unfit for continuous and permanent use.
Such consumable Items may include but are not limited to nut, bolt, screw, washers, grease, coolants, lubricants, engine & other oils, clips, ac gas, bearings, battery water, filters, sealants, gaskets, tyres. However fuel is excluded under the Policy coverage.

Special Conditions

a) The insured vehicle is not older than 5 years counted from date of first registration.
b) Claim under this section is payable only if the Claim under Section 1 of the policy is admissible and payable.
c) The coverage is restricted to 1% of the IDV or 5% of total claim amount whichever is less.
d) The consumables not associated with admissible Own Damage under Section 1 of the policy shall not be covered.
e) The company will entertain coverage of Consumables in only one claim during the policy

Under this add-on, the company in the event of the insured vehicle being disabled by reason of loss or damage covered under this policy and not being able to move on its own power, the Company will bear the reasonable cost of removal (over and above the limits as provided by the India Motor Tariff) to the nearest repairer and re-delivery to the Insured up to the amounts as mentioned below in respect of any one accident as per below limits:

Private Car –Up to Rs 15,000/-

Special Conditions

1. The Insured vehicle is not older than 5 years counted from date of first registration
2. The approval of insurer has to be taken prior to undertaking such towing and availing benefits under this coverage

A. Emergency Towing Assistance (Break down) -In the event if the insured vehicle breaks down and becomes immobilized while on the road, company will arrange assistance in making arrangement for the insured vehicle to be towed to the nearest authorized /designated garage if immediate repair on the spot is not possible.

Specific Conditions

I. Towing up to 50 Kms Free
II. Additional distance travelled will be charged at Rs 25 per Km, in case flatbed truck is used, Rs 80 per Km.

B. Emergency Towing Assistance (Break down) -
In the event of insured vehicle meets with an accident and is immobilized while on the road, the company will arrange assistance for the user by arranging for the vehicle towing service to tow the Insured vehicle to the nearest authorized / designated garage of repairs

Special Conditions

a) Towing up to 50 Kms Free
b) Additional distance travelled will be charged at Rs 25 per Km, in case flatbed truck is used, Rs 80 per Km.

C. Flat Tyre Services (Puncture) - In the event of insured vehicle being immobilized due to flat tyre (puncture), company will arrange for assistance by organizing for a vehicle technician to replace the flat tyre with a spare Stepney tyre at the location of breakdown.
D. Emergency Fuel Delivery - In the event of insured vehicle running out of fuel, company will arrange for assistance for the user by organizing for a vehicle technician to supply emergency fuel (up to 5 liters on chargeable basis) at the location of breakdown.
E. Vehicle Key Service –In the event the insured vehicle is immobilized due to vehicle keys locked inside/misplaced, the company will arrange for assistance by organizing for a vehicle technician to open the car without keys at the location of the event or will organize the spare key from the insured’s place within the same city to the location of the event.
F. Pick up of Vehicle in case of Driver Disability –If the driver suffers a disability and cannot continue the journey, the company will arrange assistance for the insured by picking the vehicle from the location of such event and transport to the desired location by road on its own power.
G. Cab Service – If insured vehicle breaks down and cannot be repaired on the spot, the company will arrange assistance by organizing a cab as an alternate mode of transport.
H. Accommodation – If insured vehicle breaks down and cannot be repaired on the spot, the company will arrange assistance by organizing for an accommodation (star rated at the nearest point possible, subject to availability).The claim will be payable on actual basis.
I. Shipment of Spares – In the event if the insured vehicle needs critical spares to be repaired on the spot, company will arrange assistance for the user in shipment of spare parts to the location of event.