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IRDAI product register · general insurance

Universal Sompo General Insurance Policy Wordings

IRDAI's non-life product register lists 52 Universal Sompo products and 176 add-ons, approved 2016 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Liability · Marine · Workmen compensation · Money, fidelity and crime · Cyber · Motor · Crop and rural

Fire and property (13)

ProductUINApprovedPolicy wording
All Risks Insurance Policy-RetailIRDAN134RP0027V012022231 Aug 2022Wording
Banker’s Indemnity- Sookshma UdyamIRDAN134RP0033V0120222322 Sep 2022Wording
Banker’s Indemnity- Sookshma UdyamIRDAN134RP0008V012021227 Jun 2021Wording
Burglary PolicyIRDAN134RP0029V012022237 Sep 2022Wording
Business Shield Policy- Sookshma UdyamIRDAN134RP0007V0120212228 May 2021Wording
Business Shield – Sookshma UdyamIRDAN134RP0034V0120222322 Sep 2022Wording
Comprehensive Operational Large Risk PolicyIRDAN134P0007V0120161715 Dec 2016Wording
Consequential Loss - Fire Insurance Policy- RetailIRDAN134RP0031V0120222314 Sep 2022Wording
Jeweller’s Comprehensive - Sookshma UdyamIRDAN134RP0036V012022234 Oct 2022Wording
Office Package Policy - Sookshma UdyamIRDAN134RP0009V0120212229 Jun 2021Wording
Shopkeepers Insurance Policy- Sookshma UdyamIRDAN134RP0006V0120212228 May 2021Wording
Universal Sompo - Bharat Griha Raksha
2 add-ons
  • Cost of Clearing Drains Cover IRDAN134RP0036V01202021/A0010V01202122 · 27 Jul 2021 Wording
  • Key & Lock Replacement Cover IRDAN134RP0036V01202021/A0011V01202122 · 27 Jul 2021 Wording
IRDAN134RP0036V0120202126 Mar 2021Wording
Universal Sompo - Bharat Laghu Udyam Suraksha
9 add-ons
  • 1. Obsolete Parts IRDAN134RP0035V01202021/A0010V01202223 · 7 Apr 2022 Wording
  • 10. Extra Expense IRDAN134RP0035V01202021/A0018V01202223 · 7 Apr 2022 Wording
  • 2. Accidental Damage Cover IRDAN134RP0035V01202021/A0011V01202223 · 7 Apr 2022 Wording
  • 4. Escalation Clause IRDAN134RP0035V01202021/A0013V01202223 · 7 Apr 2022 Wording
  • 5. Involuntary Betterment IRDAN134RP0035V01202021/A0014V01202223 · 7 Apr 2022 Wording
  • 7. Additional Removal Of Debris Including Foreign Debris IRDAN134RP0035V01202021/A0015V01202223 · 7 Apr 2022 Wording
  • 8. Protection and Preservation of Property IRDAN134RP0035V01202021/A0016V01202223 · 7 Apr 2022 Wording
  • 9. Cost of Clearing Drains Clause IRDAN134RP0035V01202021/A0017V01202223 · 7 Apr 2022 Wording
  • of Rent and Additional Expenses of Rent for an Alternate Premises IRDAN134RP0035V01202021/A0012V01202223 · 7 Apr 2022 Wording
IRDAN134RP0035V0120202126 Mar 2021Wording

Shop, office, home and business packages (3)

ProductUINApprovedPolicy wording
House Holders Insurance PolicyIRDAN134RP0019V022008095 Jul 2021Wording
House Holder’s Insurance PolicyIRDAN134RP0041V0120222319 Oct 2022Wording
Unified Package Insurance SchemeIRDAN134P0002V0120161717 Oct 2016Wording

Engineering (6)

ProductUINApprovedPolicy wording
Boiler And Pressure Plant Insurance Policy (Retail)IRDAN134RP0030V012022237 Sep 2022Wording
Contractors All Risk Insurance (Retail)IRDAN134RP0021V0120222326 Jul 2022Wording
Contractor’s Plant & Machinery Insurance Policy- RetailIRDAN134RP0023V0120222326 Jul 2022Wording
Electronic Equipment Insurance PolicyIRDAN134RP0028V012022237 Sep 2022Wording
Erection All Risk InsuranceIRDAN134RP0020V0120222326 Jul 2022Wording
Machinery Breakdown Insurance Policy - RetailIRDAN134RP0022V0120222326 Jul 2022Wording

Liability (1)

ProductUINApprovedPolicy wording
Errors & Omissions Insurance PolicyIRDAN134RP0035V0120222322 Sep 2022Wording

Marine (1)

ProductUINApprovedPolicy wording
Marine Cargo InsuranceIRDAN134RP0032V0120222322 Sep 2022Wording

Workmen compensation (1)

ProductUINApprovedPolicy wording
Employees Compensation Insurance- RetailIRDAN134RP0024V0120222329 Jul 2022Wording

Money, fidelity and crime (2)

ProductUINApprovedPolicy wording
Fidelity Guarantee Insurance PolicyIRDAN134RP0025V0120222329 Jul 2022Wording
Money Insurance PolicyIRDAN134RP0026V0120222329 Jul 2022Wording

Cyber (1)

ProductUINApprovedPolicy wording
साइबर इंश्योरेंस पॉलिसी- रिटेलIRDAN134RP0019V012022236 Jul 2022Wording

Motor (21)

ProductUINApprovedPolicy wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance PoliciesIRDAN134RP0067V0220181931 Mar 2020Wording
Compulsory Personal Accident (Owner-Driver) under Motor Insurance PoliciesIRDAN134RP0067V0120181912 Dec 2018Wording
Motor Dealers Package PolicyIRDAN134P0008V012016178 Mar 2017Wording
Motor Private Car - 3 Years
15 add-ons
  • Engine Protector - Motor OD Add On (Private car)- 3 years IRDAN134RP0003V01201819/A0008V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Accidental Hospitalization Clause for Family )-3 years IRDAN134RP0003V01201819/A0010V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Additional Expenses Coverage clause)- 3 years IRDAN134RP0003V01201819/A0009V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Cost of Consumable )- 3 years IRDAN134RP0003V01201819/A0018V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Daily Cash Allowances Benefit )- 3 years IRDAN134RP0003V01201819/A0017V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Depreciation Waiver )- 3 years IRDAN134RP0003V01201819/A0016V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Hospital Daily Cash Cover )- 3 years IRDAN134RP0003V01201819/A0011V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Hydrostatic Lock )- 3 years IRDAN134RP0003V01201819/A0020V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Insurance at manufacturing selling price)- 3 years IRDAN134RP0003V01201819/A0015V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Key Replacement )- 3years IRDAN134RP0003V01201819/A0013V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Loss of Driving License/ Registration Certification) -3 years IRDAN134RP0003V01201819/A0014V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Return to Invoice)-3 years IRDAN134RP0003V01201819/A0012V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Road Side Assistance)- 3 years IRDAN134RP0003V01201819/A0021V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Secure Towing (Higher towing & removal costs)- 3 years IRDAN134RP0003V01201819/A0019V01201819 · 17 Oct 2018 Wording
  • NCB Protector – Motor OD Add On (Private car)-3 years IRDAN134RP0003V01201819/A0022V01201819 · 17 Oct 2018 Wording
IRDAN134RP0003V0120181930 Aug 2018Wording
Motor Private Car - Bundled
12 add-ons
  • Engine Protector - Motor OD Add On (Private car)-Bundled IRDAN134RP0001V01201819/A0038V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Cost of Consumable ) - Bundled IRDAN134RP0001V01201819/A0048V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Daily Cash Allowances Benefit )- Bundled IRDAN134RP0001V01201819/A0047V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Depreciation Waiver )-Bundled IRDAN134RP0001V01201819/A0046V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Hospital Daily Cash Cover )-Bundled IRDAN134RP0001V01201819/A0041V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Hydrostatic Lock )-Bundled IRDAN134RP0001V01201819/A0050V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Insurance at manufacturing selling price)-Bundled IRDAN134RP0001V01201819/A0045V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Loss of Driving License/ Registration Certification)-Bundled IRDAN134RP0001V01201819/A0044V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Loss of Personal Belongings Clause )-Bundled IRDAN134RP0001V01201819/A0037V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Return to Invoice)-Bundled IRDAN134RP0001V01201819/A0042V01201819 · 17 Oct 2018 Wording
  • Motor Private Car (Secure Towing (Higher towing & removal costs)- Bundled IRDAN134RP0001V01201819/A0049V01201819 · 17 Oct 2018 Wording
  • NCB Protector – Motor OD Add On (Private car)-Bundled IRDAN134RP0001V01201819/A0052V01201819 · 17 Oct 2018 Wording
IRDAN134RP0001V0120181930 Aug 2018Wording
Motor Two Wheeler (Road Side Assistance)- Bundled
13 add-ons
  • Engine Protector Motor OD Add - On (Two wheeler)-Bundled IRDAN134RP0002V01201819/A0066V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Accidental Hospitalization Clause for Family )-Bundled IRDAN134RP0002V01201819/A0054V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Cost of Consumable )-Bundled IRDAN134RP0002V01201819/A0062V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Daily Cash Allowances Benefit )-Bundled IRDAN134RP0002V01201819/A0061V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Depreciation Waiver )-Bundled IRDAN134RP0002V01201819/A0059V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Driving Train Protect )- Bundled IRDAN134RP0002V01201819/A0063V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Hospital Daily Cash Cover )-Bundled IRDAN134RP0002V01201819/A0056V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Insurance at manufacturing selling price )-Bundled IRDAN134RP0002V01201819/A0060V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Key Replacement )-Bundled IRDAN134RP0002V01201819/A0055V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Loss of Driving License/ Registration Certification)- Bundled IRDAN134RP0002V01201819/A0058V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Return to Invoice)-Bundled IRDAN134RP0002V01201819/A0057V01201819 · 17 Oct 2018 Wording
  • NCB Protector – Motor OD Add On(Two wheeler)- Bundled IRDAN134RP0002V01201819/A0053V01201819 · 17 Oct 2018 Wording
  • Secure Towing(Higher Towing & Removal Costs)(applicable for two wheeler)-Bundled IRDAN134RP0002V01201819/A0065V01201819 · 17 Oct 2018 Wording
IRDAN134RP0002V01201819/A0064V0120181917 Oct 2018Wording
Motor Two Wheeler - 5 Years
13 add-ons
  • Engine Protector Motor OD Add - On (Two wheeler)- 5 years IRDAN134RP0004V01201819/A0036V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Accidental Hospitalization Clause for Family )- 5 years IRDAN134RP0004V01201819/A0024V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Cost of Consumable )- 5 years IRDAN134RP0004V01201819/A0032V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Daily Cash Allowances Benefit )- 5 years IRDAN134RP0004V01201819/A0031V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Depreciation Waiver )- 5 years IRDAN134RP0004V01201819/A0029V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Driving Train Protect )- 5 years IRDAN134RP0004V01201819/A0033V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Hospital Daily Cash Cover ) - 5 years IRDAN134RP0004V01201819/A0026V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Insurance at manufacturing selling price )- 5 years IRDAN134RP0004V01201819/A0030V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Key Replacement )- 5 years IRDAN134RP0004V01201819/A0025V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Loss of Driving License/ Registration Certification) - 5 years IRDAN134RP0004V01201819/A0028V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Return to Invoice)- 5 years IRDAN134RP0004V01201819/A0027V01201819 · 17 Oct 2018 Wording
  • NCB Protector – Motor OD Add On(Two wheeler) - 5 years IRDAN134RP0004V01201819/A0023V01201819 · 17 Oct 2018 Wording
  • Secure Towing(Higher Towing & Removal Costs)(applicable for two wheeler)- 5 years IRDAN134RP0004V01201819/A0035V01201819 · 17 Oct 2018 Wording
IRDAN134RP0004V0120181930 Aug 2018Wording
Motor Two Wheeler - Bundled
13 add-ons
  • Engine Protector Motor OD Add - On (Two wheeler)-Bundled IRDAN134RP0002V01201819/A0066V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Accidental Hospitalization Clause for Family )-Bundled IRDAN134RP0002V01201819/A0054V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Cost of Consumable )-Bundled IRDAN134RP0002V01201819/A0062V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Daily Cash Allowances Benefit )-Bundled IRDAN134RP0002V01201819/A0061V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Depreciation Waiver )-Bundled IRDAN134RP0002V01201819/A0059V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Driving Train Protect )- Bundled IRDAN134RP0002V01201819/A0063V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Hospital Daily Cash Cover )-Bundled IRDAN134RP0002V01201819/A0056V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Insurance at manufacturing selling price )-Bundled IRDAN134RP0002V01201819/A0060V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Key Replacement )-Bundled IRDAN134RP0002V01201819/A0055V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Loss of Driving License/ Registration Certification)- Bundled IRDAN134RP0002V01201819/A0058V01201819 · 17 Oct 2018 Wording
  • Motor Two Wheeler (Return to Invoice)-Bundled IRDAN134RP0002V01201819/A0057V01201819 · 17 Oct 2018 Wording
  • NCB Protector – Motor OD Add On(Two wheeler)- Bundled IRDAN134RP0002V01201819/A0053V01201819 · 17 Oct 2018 Wording
  • Secure Towing(Higher Towing & Removal Costs)(applicable for two wheeler)-Bundled IRDAN134RP0002V01201819/A0065V01201819 · 17 Oct 2018 Wording
IRDAN134RP0002V0120181930 Aug 2018Wording
Stand-Alone Motor Own Damage Policy - Private Car
16 add-ons
  • Accidental Hospitalization Clause for Family for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0006V01201920 · 30 Jul 2019 Wording
  • Additional Expenses Coverage clause for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0005V01201920 · 30 Jul 2019 Wording
  • Cost of Consumable for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0014V01201920 · 30 Jul 2019 Wording
  • Daily Cash Allowances Benefit for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0013V01201920 · 30 Jul 2019 Wording
  • Depreciation Waiver for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0012V01201920 · 30 Jul 2019 Wording
  • Engine Protector for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0004V01201920 · 30 Jul 2019 Wording
  • Hospital Daily Cash Cover for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0007V01201920 · 30 Jul 2019 Wording
  • Hydrostatic Lock for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0016V01201920 · 30 Jul 2019 Wording
  • Insurance at manufacturing selling price for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0011V01201920 · 30 Jul 2019 Wording
  • Key Replacement for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0009V01201920 · 30 Jul 2019 Wording
  • Loss of Driving License/ Registration Certification for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0010V01201920 · 30 Jul 2019 Wording
  • Loss of Personal Belongings Clause for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0003V01201920 · 30 Jul 2019 Wording
  • NCB Protector for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0018V01201920 · 30 Jul 2019 Wording
  • Return to Invoice for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0008V01201920 · 30 Jul 2019 Wording
  • Road Side Assistance for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0017V01201920 · 30 Jul 2019 Wording
  • Secure Towing (Higher towing & removal costs) for Stand-alone OD (Private Car) IRDAN134RP0001V01201920/A0015V01201920 · 30 Jul 2019 Wording
IRDAN134RP0001V0120192030 Jul 2019Wording
Stand-Alone Motor Own Damage Policy - Two Wheeler
14 add-ons
  • Accidental Hospitalization Clause for Family for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0020V01201920 · 30 Jul 2019 Wording
  • Cost of Consumable for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0028V01201920 · 30 Jul 2019 Wording
  • Daily Cash Allowances Benefit for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0027V01201920 · 30 Jul 2019 Wording
  • Depreciation Waiver for Stand-alone OD (Two Wheeler) IRDAN134RP0002V01201920/A0025V01201920 · 30 Jul 2019 Wording
  • Driving Train Protect for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0029V01201920 · 30 Jul 2019 Wording
  • Engine Protector for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0032V01201920 · 30 Jul 2019 Wording
  • Hospital Daily Cash Cover for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0022V01201920 · 30 Jul 2019 Wording
  • Insurance at manufacturing selling price for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0026V01201920 · 30 Jul 2019 Wording
  • Key Replacement for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0021V01201920 · 30 Jul 2019 Wording
  • Loss of Driving License/ Registration Certification for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0024V01201920 · 30 Jul 2019 Wording
  • NCB Protector for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0019V01201920 · 30 Jul 2019 Wording
  • Return to Invoice for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0023V01201920 · 30 Jul 2019 Wording
  • Road Side Assistance for for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0030V01201920 · 30 Jul 2019 Wording
  • Secure Towing (Higher Towing & Removal Costs) for Stand-alone OD (Two-Wheeler) IRDAN134RP0002V01201920/A0031V01201920 · 30 Jul 2019 Wording
IRDAN134RP0002V0120192030 Jul 2019Wording
Standalone Motor Third Party Insurance - Goods Carrying VehicleIRDAN134RP0002V012021227 May 2021Wording
Standalone Motor Third Party Insurance - Passenger Carrying VehicleIRDAN134RP0003V012021227 May 2021Wording
Standalone Motor Third Party Insurance - Private CarIRDAN134RP0005V012021227 May 2021Wording
Standalone Motor Third Party Insurance – Miscellaneous VehicleIRDAN134RP0004V012021227 May 2021Wording
Standalone Motor Third Party Insurance – Two WheelerIRDAN134RP0001V012021227 May 2021Wording
Third Party Two Wheeler Policy - 5 YearsIRDAN134RP0006V0220181931 Mar 2020Wording
Two Wheeler Long Term Package PolicyIRDAN134P0007V012016173 Jan 2017Wording
USGI- NCB PROTECTOR-Motor OD- ADD ON( Private car)IRDAN134A0006V0120161731 Oct 2016Wording
USGI- NCB PROTECTOR-Motor OD- ADD ON( TWO WHEELER)IRDAN134A0003V0120161731 Oct 2016Wording
USGI-ENGINE PROTECTOR-Motor OD- ADD ON( Private car)IRDAN134A0004V0120161731 Oct 2016Wording
USGI-ENGINE PROTECTOR-Motor OD- ADD ON( Two Wheeler)IRDAN134A0005V0120161731 Oct 2016Wording

Crop and rural (3)

ProductUINApprovedPolicy wording
Cattle Insurance PolicyIRDAN134RP0001V0220080927 Apr 2022Wording
Farmers Package PolicyIRDAN134RP0020V022008095 Jul 2021Wording
USGI - Pradhan Mantri Fasal Bima YojanaIRDAN134P0001V0120161710 Aug 2016Wording

Add-ons filed on their own (82)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-onUINApprovedPolicy wording
1. Obsolete PartsIRDAN134RP0034V01202021/A0001V012022237 Apr 2022Wording
10. Extra ExpenseIRDAN134RP0034V01202021/A0009V012022237 Apr 2022Wording
2. Accidental Damage CoverIRDAN134RP0034V01202021/A0002V012022237 Apr 2022Wording
4. Escalation ClauseIRDAN134RP0034V01202021/A0004V012022237 Apr 2022Wording
5. Involuntary BettermentIRDAN134RP0034V01202021/A0005V012022237 Apr 2022Wording
8. Protection and Preservation of PropertyIRDAN134RP0034V01202021/A0007V012022237 Apr 2022Wording
9. Cost of Clearing Drains ClauseIRDAN134RP0034V01202021/A0008V012022237 Apr 2022Wording
Accidental Damage Cover Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0049V012019209 Jul 2019Wording
Additional Carrying or Lifting Equipment hiring charges - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0074V012019209 Jul 2019Wording
Additional Custom Duty Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0031V012019209 Jul 2019Wording
Additional interests Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0004V012019209 Jul 2019Wording
Archives - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0050V012019209 Jul 2019Wording
Automatic cover for new Location - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0025V012019209 Jul 2019Wording
Automatic cover for unspecified locations - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0017V012019209 Jul 2019Wording
Automatic reinstatement of loss - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0070V012019209 Jul 2019Wording
Brand or Trade Marks - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0072V012019209 Jul 2019Wording
Capital Additions - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0023V012019209 Jul 2019Wording
Catalysts and Consumable Interests In Process - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0034V012019209 Jul 2019Wording
Change in Temperature or Humidity and Accidental Interruption of or Interference with Power, Heat - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0060V012019209 Jul 2019Wording
Civil Authority Clause/Demolition and Increased Cost of Re-Construction/Building Ordinance - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0073V012019209 Jul 2019Wording
Claims Preparations Costs Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0019V012019209 Jul 2019Wording
Contract Work - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0071V012019209 Jul 2019Wording
Control of Damage Property Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0015V012019209 Jul 2019Wording
Cost of Clearing Drains Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0041V012019209 Jul 2019Wording
Customer's Goods Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0052V012019209 Jul 2019Wording
Damages to Underground Services - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0061V012019209 Jul 2019Wording
Deliberate Damage - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0030V012019209 Jul 2019Wording
Dewatering expenses Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0013V012019209 Jul 2019Wording
Electrical Apparatus Clause/Electrical Installation Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0051V012019209 Jul 2019Wording
Errors and Omission and Mis-description Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0069V012019209 Jul 2019Wording
Exhibition, Exposition, Fair or Trade Show - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0053V012019209 Jul 2019Wording
Expediting expenses - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0029V012019209 Jul 2019Wording
Expiration Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0002V012019209 Jul 2019Wording
Fine Art /Works of Art - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0054V012019209 Jul 2019Wording
Fire Fighting Expenses Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0009V012019209 Jul 2019Wording
Green Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0008V012019209 Jul 2019Wording
Hire Purchase or Lease Agreements / Interest of Other Parties - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0006V012019209 Jul 2019Wording
Immediate Repairs - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0028V012019209 Jul 2019Wording
Inadvertent Omission - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0022V012019209 Jul 2019Wording
Industries, Seepage, Pollution And Contamination Clause / Decontamination and Cost of Clean Up - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0037V012019209 Jul 2019Wording
Involuntary Betterment Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0055V012019209 Jul 2019Wording
Landscaping Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0035V012019209 Jul 2019Wording
Leak Search and Finding Cost - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0033V012019209 Jul 2019Wording
Loss Minimization Expenses - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0016V012019209 Jul 2019Wording
Loss Payee Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0012V012019209 Jul 2019Wording
Margin Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0045V012019209 Jul 2019Wording
Minor works - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0026V012019209 Jul 2019Wording
Mould & Fungi Cover - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0039V012019209 Jul 2019Wording
New Acquisitions / Merger and acquisition - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0024V012019209 Jul 2019Wording
Non-invalidation Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0021V012019209 Jul 2019Wording
Non-Vitiation Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0007V012019209 Jul 2019Wording
Notice of loss Clause- Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0011V012019209 Jul 2019Wording
Obsolete Parts - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0056V012019209 Jul 2019Wording
OEM parts Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0005V012019209 Jul 2019Wording
of Rent and Additional Expenses of Rent for an Alternate PremisesIRDAN134RP0034V01202021/A0003V012022237 Apr 2022Wording
Off Premises Storage for Property Under Construction - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0059V012019209 Jul 2019Wording
On account payments Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0003V012019209 Jul 2019Wording
Pair and Set clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0068V012019209 Jul 2019Wording
Personal Effects Clause / Property of employees and visitors - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0044V012019209 Jul 2019Wording
Preparation of Lost records / Valuable Papers & records Clause / Cost of Rewriting records clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0027V012019209 Jul 2019Wording
Primary and Non-contributory Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0001V012019209 Jul 2019Wording
Properties under Consignment, Care, Custody and Control Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0010V012019209 Jul 2019Wording
Property not on the Insured premises/Offsite premises - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0042V012019209 Jul 2019Wording
Property Testing & Commissioning Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0043V012019209 Jul 2019Wording
Research and Development Costs - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0058V012019209 Jul 2019Wording
Service interruption Property Damage - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0065V012019209 Jul 2019Wording
Smoke Damage Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0048V012019209 Jul 2019Wording
Spare Parts - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0057V012019209 Jul 2019Wording
Sprinkler Up-gradation Cost - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0036V012019209 Jul 2019Wording
Sue and Labour Charges - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0064V012019209 Jul 2019Wording
Tax Treatment of Profits - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0038V012019209 Jul 2019Wording
Temporary Removal (Excluding Stocks) - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0046V012019209 Jul 2019Wording
Temporary repairs - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0062V012019209 Jul 2019Wording
Temporary Structures, Plant and Equipment - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0063V012019209 Jul 2019Wording
Trace and Access - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0032V012019209 Jul 2019Wording
Un-occupancy Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0067V012019209 Jul 2019Wording
Vehicle Load Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0040V012019209 Jul 2019Wording
Vessel impact to jetty - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0066V012019209 Jul 2019Wording
Waiver of Contribution Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0014V012019209 Jul 2019Wording
Waiver of Subrogation - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0020V012019209 Jul 2019Wording
Waiver of Under Insurance - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0018V012019209 Jul 2019Wording
Water Damage Clause - Standard Fire and Special Perils Policy (Commercial)IRDAN134CP0010V01201819/A0047V012019209 Jul 2019Wording

Names in the register

IRDAI registration number 134. Filed as: Universal Sompo General Insurance Co. Ltd.; Universal Sompo General Insurance Company Ltd.; Universal Sompo General Insurance Co. Ltd. Its claim settlement, solvency and market share figures: Universal Sompo profile.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Universal Sompo policy wordings?

Above: every Universal Sompo product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Universal Sompo general insurance products are in IRDAI's register?

52 products and 176 add-ons, approved 2016 to 2022.

Which lines of cover does Universal Sompo file most?

By number of products in the register: motor 21, fire and property 13, engineering 6, shop, office, home and business packages 3.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.