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Universal Sompo Home Insurance Plan Review | Benefits of Sampoorna Grih Suraksha Policy

August 31, 2016 by policycorner

Are you looking for Home Insurance? Here is the solution for your issue. Universal Sompo offers Sampoorna Grih Suraksha Plan for their customers. The Universal Sompo Home Insurance Plan provides many features and benefits for the Policyholders. Calculate the Universal Sompo General Insurance Premium and buy a new Home Insurance Plan. Follow the below article for more information about the Universal Sompo General Insurance Home Policies.

Universal Sompo Home Insurance Plan

The People who are searching for the Home Insurance Policy can buy this Universal Sompo Home Insurance Plan. This Sampoorna Grih Suraksha Plan is one of the best Home Insurance Policy. This Plan Includes all risks for building, its contents and the people who reside in it. This Universal Sompo General Insurance plan is a one-year policy. The Policyholder should be renewed for years after expiry of Premium Term.

Universal Sompo General Home Insurance Policy Inclusions

The Interested People who want to buy this policy have to know complete details about the Plan. After Buying this Sampoorna Grih Suraksha Policy, the USGI company will provide the insurance for the damages. The Sampoorna Grih Suraksha Policy will coverage the damages which it was included in the Insurance Agreement only. The Universal Sompo General Insurance Company coverage damages are given below.

Section Coverage
Fire & Allied perils Building
Contents (Fixed)
 Terrorism (Optional Cover)
 Burglary  Contents (Including Cash)
 All Risk  Jewellery and Watches
Machinery Breakdown  Air conditioners
 Other Machines
 Electronic Equipment breakdown  Electronic Equipment
 Terrorism (Optional Cover)
 Personal Accident  Personal Accident
 Plate Glass  Plate Glass
 Workmen Compensation  Workmen Compensation
 Baggage Insurance  Baggage Insurance
 Public Liability  Public Liability

USGI Home Insurance Policy Exclusions

The Policy exclusion eliminates coverage for some damages. In many insurance policies, the insuring agreement includes Exclusion details. The Universal Sompo Home Insurance Policy also contains some Exclusions for coverage of damages. Here we provide the Sampoorna Grih Suraksha Policy Exclusions details.

Section Exclusion
 Fire & Allied Perils (Compulsory) Pressure waves
Fermentation
Centrifugal forces
Burglary & Theft Motor vehicles
Strike
Terrorism
All Risk (Jewellery & Watches) Cracking
Cleaning
Break Down of Domestic Appliances Manufacturer Damage
Scratching
Personal injury
 Electronic Equipment breakdown Continuous influence
Faults / defects
 Personal Accident Natural Death
 Plate Glass Damage during repairs
Workmen’s Compensation Employees of Your contractors or subcontractors
 Baggage Insurance Damage caused by moth, mildew or vermin
 Public Liability Damage to property belonging to third parties such as rented, leased
For more details regarding Sampoorna Grih Suraksha Insurance Plan refer official website Universal Sompo General Insurance.

Sampoorna Grih Suraksha Insurance Plans Premium Calculator

The Sampoorna Grih Suraksha Insurance Plans Premium Calculator is available on the official website. The Customers can directly calculate their Premium by following this process.

  1. Open the Official Website universal-sompo.net.in.
  2. The Universal Sompo General Insurance Home page is displayed.
  3. Click on the Sampoorna Grih Suraksha option.
  4. That particular plan page will display.
  5. Buy Now option is displayed on that Policy Page.
  6. Click on the Buy Now option.
  7. New Buy Now Window will be displayed.
  8. In there Calculate Premium is available.
  9. Fill the Textboxes with your details.
  10. Calculate Your Premium.

If you are happy with that Insurance Policy, then buy a new policy through online.

Universal Sompo Insurance Home Policy Buying Process

Universal Sompo Home Insurance Policy is available at the Nearest Universal Sompo Insurance Branch Office, or you can buy from the Agents of Universal Sompo General Insurance. Online Buying is also available on the official website. The Customers can directly buy the Policy from the homepage. The Online Process for buying is given below.

  1. Open the Official Website universal-sompo.net.in.
  2. The Universal Sompo General Insurance Homepage will display.
  3. Click on the Sampoorna Grih Suraksha option.
  4. That particular plan page will display.
  5. Buy Now option is displayed on that Policy Page.
  6. Click on the Buy Now option.
  7. Fill the Text boxes with correct details.
  8. And upload the required documents with specified size.
  9. Calculate Premium details.
  10. Submit the form carefully.
  11. After that Click on the Pay Now option.
  12. Finally, Pay the Money through online.
  13. Take a Print out for the further reference.

General Home Insurance Renewal

Universal Sompo Home Insurance Policy Renewal is available at the Nearest Universal Sompo Insurance Branch Office. Online Renewal is also available on the official website. The Customers can directly Renewal the Policy from the homepage. The Online Process for Policy Renewal is given below.

  1. Open the Official Website universal-sompo.net.in.
  2. The Universal Sompo General Insurance Homepage will display.
  3. Click on the Sampoorna Grih Suraksha option.
  4. A new web page with various options will display.
  5. Get Quote option will display on that Policy Page.
  6. Click on the Get Quote option.
  7. Fill the fields with correct details.
  8. Fill your Income and Occupation details.
  9. Calculate Premium is also available if you want then get premium details there.
  10. Click on the Pay Now option.
  11. Pay the Money through online.
  12. Submit the Renewal form carefully.
  13. The Policy Renewal is done. The message will display on the Screen.
  14. The Payment Receipt will display on the Screen.
  15. Take a Print out for the further reference.

Sampoorna Grih Suraksha Claim Process

The respective individual can apply for Claim process through online at the official website. In the Home Page, Claim option is available for Universal Sompo Home Insurance. The alternative ways to apply for the claim such as at Branch Office, Mail Id services and Helpline Number.

Following information needs for intimating a claim.

  • Your Contact Numbers.
  • Name of Insured person.
  • Policy Number.
  • Date & Time of accident.
  • A brief description of how the accident took place.
  • Location of Loss.
  • Place & contact details of the Insured Person.
  • The extent of the loss.

The following documents required for the claim.

  • Claim Form duly filled in & signed.
  • Books of accounts.
  • F.I.R, if filed.
  • Activities carried out at other premises.
  • Details of Increased Cost of Working.
  • Savings in Standing Charges details.
  • Details of trends in business.

Sampoorna Grih Suraksha Sum Assured Chart

The Sampoorna Grih Suraksha Insurance Plan provides specified sum assured limits for every section and cover. Refer the given sum assured chart for more details.

Section Coverage Option 1 Option 2 Option 3 Option 4
 Sum Insured Sum Insured Sum Insured Sum Insured
 Fire & allied perils  Building Actual building cost Actual building cost Actual building cost Actual building cost
 Contents (Fixed) Rs. 500000 Rs. 300000 Rs. 200000 Rs. 100000
 Terrorism (Optional Cover) Sum Insured of Building & contents Sum Insured of Building & contents Sum Insured of Building & contents Sum Insured of Building & contents
 Burglary  Contents (Including Cash) Rs. 500000
(Including Rs.5000/- cash)
Rs. 300000
(Including Rs.3000/- cash)
Rs. 200000
(Rs.2000/- cash Including)
Rs. 100000
(Including Rs.1000/- cash)
 All Risk  Jwellery and Watches Rs. 100000 Rs. 75000 Rs. 60000 Rs. 50000
 Machinery Breakdown  Air conditioners Rs. 50000 Rs. 30000 Rs. 30000 30000 Rupees
 Other Machines Rs. 100000 Rs. 70000 Rs. 70000 Rs. 30000
 Electronic Equipments breakdown  Electronic Equipments 100000 Rupees Rs. 100000 100000 Ruppes 100000 Rupees
 Terrorism (Optional Cover) Sum Insured of Electronic equipment Sum Insured of Electronic equipment Sum Insured of Electronic equipment Sum Insured of Electronic equipment
 Personal Accident  Personal Accident 100000 Rupees Rs. 100000 100000 Rupees 100000 Rupees
 Plate Glass  Plate Glass Rs. 50000 Rs. 30000 Rs. 20000 Rs. 10000
 Workmen Compensation  Workmen Compensation Rs. 50000 Rs. 30000 Rs. 20000 Rs. 10000
 Baggage Insurance  Baggage Insurance Rs. 25000 Rs. 15000 Rs. 10000 Rs. 5000
 Public Liability  Public Liability Rs. 50000 Rs. 30000 Rs. 20000 Rs. 10000

Universal Sompo General Insurance Company Details

Universal Sompo General Insurance Company is a joint venture between Indian Overseas Bank, Allahabad Bank, Karnataka Bank, Dabur Investments and Sompo Japan Insurance. USGI is Best Insurance Company in India, which provides different Insurance policies. The Policies offered by Universal Sompo are Home, Motor and Travel. In each category, there are various types of Insurance Plans. Nowadays Home care costs are getting higher. As the age of a Person increase, the Home care expenses increase and become a burden on the individual. So it is better to choose a Home insurance policy. If you buy the Sompo General Insurance policy now, the company will bear the amount on the occurrence of any Home issue. For more details visit Universal Sompo Official Website is www.universalsompo.com.

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