Fill the below form and we will get back to you in no time!
Quick Claim
Process
Customer First Approach
PAN India
Presence
24/7
Assistance
We Keep Our Promise
Fire insurance Policy covers all immovable and movable property located in a particular premise such as buildings, plant and machinery, furniture, fixtures, fittings and other contents, stocks and stock in process along with goods held in trust or on commission.
Loss of or visible physical damage or destruction by external violent means directly caused to the property insured but excluding those caused by a) total or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind. b) Permanent or temporary dispossession resulting from confiscation, commandeering, requisition or destruction by order of the Government or any lawfully constituted Authority. Show MoreShow Less
Excluding loss, destruction of or damage a) to boilers (other than domestic boilers), economizers or other vessels, machinery or apparatus (in which steam is generated) or their contents resulting from their ownexplosion/implosion. b) caused by centrifugal forces. Show MoreShow Less
Loss of or visible physical damage or destruction caused to the property insured due toimpact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by a) the Insured or any occupier of the premises or b) their employees while acting in the course of their employment. Show MoreShow Less
Loss, destruction or damage directly caused by Subsidence of part of the site on which the property stands or Land slide/Rock slide excluding: a) the normal cracking, settlement or bedding down of new structures b) the settlement or movement of made up ground c) coastal or river erosion d) defective design or workmanship or use of defective materials Show MoreShow Less
Loss, destruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. (Wherever earthquake cover is given as an “add on cover” the words “excluding those resulting from earthquake volcanic eruption or other convulsions of nature” shall stand deleted.) Show MoreShow Less
Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power Show MoreShow Less
Loss, destruction or damage directly or indirectly caused to the property insured by a) ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. b) the radio active toxic, explosives or other hazardous properties of any explosive nuclear assembly or nuclear component thereof Show MoreShow Less
Loss, destruction or damage to any electrical machine, apparatus, fixture, or fitting arising from or occasioned by over-running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included) provided that this exclusion shall apply only to the particular electrical machine, apparatus, fixture or fitting so affected and not to other machines, apparatus, fixtures or fittings which may be destroyed or damaged by fire so set up. Show MoreShow Less
Loss by theft during or after the occurrence of any insured peril except as provided under Riot,Strike, Malicious Damage cover.
Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever.
Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.
* The details furnished here do not constitute entire terms & conditions. For More details refer policy documents.
Call us on our Toll-free Helpline number 1800-22-4030/1800-200-4030
A surveyor will be assigned who will assess the losses.
After successful verification, the claim amount will be disbursed.
I own a jewellery shop in Lucknow. Unfortunately, a few days back a theft incident happened at my shop. I was left devastated by thankfully I had Shopkeeper Insurance Policy from Universal Sompo.
My hospital got damaged in the Kolhapur floods. But the quick settlement offered by the Universal Sompo team made me a little optimistic about things. It was a ray of hope I needed. You are the best!
I am a dairy owner from Khera district in Gujarat and I have cattle insurance policy from universal Sompo. Recently, my cattle died because of some disease. On intimation of claim, the team from Ahmedabad helped and supported me in the whole claim procedure.
I want to say that I am really impressed with the services of Universal Sompo. The speed with which they settled my claim is commendable. I found the team efficient, realiable, & full of professionalism.
If you wish to buy a fire insurance policy, the below following is the criteria along with the sum insured at the single location should exceed more than 50 cr:
Any person/organisation/institution/firm that may endure or need to ensure his/her business from an unforeseen misfortune in case of a fire.
Anyone who possesses a building, furniture, household articles and so on.
Retailers or shopkeepers, godown keepers.
Banks, financial, education, research institutes, and so on.
Service suppliers including hotel owners, medical clinics, lodging, clinics and so on.
Manufacturing and industrial firms, transporters.
Fire insurance is a legal contract between an insurance company and the policyholder which guarantees that any loss or damages caused to the policyholder’s property in a fire will be paid by the insurance company. Fire insurance provides coverage against incidents of accidental fire, lightning, explosion, etc
The policy tenure is up-to 12 months .
Usually, general fire insurance doesn’t cover these items, unless discussed with the insurer while buying the policy. However, on special request and subject to valuation, these items can be covered under a policy
Following are the additional inbuilt cover
Architects, Surveyors and Consulting Engineers' Fees up to 3 % of the claim amount.
Expenses incurred for removal of debris to clear the site up to 1 % of the claim amount.
Machinery and equipment temporarily removed for repairs, cleaning, renovation or other similar purposes for a period of 60 days
We do not cover losses and expenses caused by or arising from events, stated below
This Policy does not cover (not applicable to policies covering dwellings)
The first 5% of each and every claim subject to a minimum of Rs.10,000 in respect of each and every loss arising out of “Act of God perils” such as Lightning, STFI, Subsidence, Landslide and Rock slide covered under the policy
The first Rs.10,000 for each and every loss arising out of other perils in respect of which the Insured is indemnified by this policy. The Excess shall apply per event per insured
Loss, destruction or damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not)
Loss, destruction or damage to bullion or unset precious stones, any curios or works of art for an amount exceeding Rs. 10000/-, goods held in trust or on commission, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins or paper money, cheques, books of accounts or other business books, computer systems records, explosives unless otherwise expressly stated in the policy
Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.
Loss by theft during or after the occurrence of any insured peril except as provided under Riot, Strike, Malicious Damage cover
Any Loss or damage occasioned by or through or in consequence directly or indirectly due to earthquake, volcanic eruption or other convulsions of nature
Loss or damage by spoilage resulting from the retardation or interruption or cessation of any process or operation caused by operation of any of the perils covered
In the unfortunate event of any claim under the policy, please intimate IMMEDIATELY to our Call Centre at Toll Free Numbers: 1800 200 4030 or Email at contactclaims@universalsompo.com. Please note that no delay should be allowed to occur in notifying a claim on the policy as the same may prejudice liability
The documents can be scanned and sent across to enable us to start with the claim process. Once we receive the originals the process would be complete
The documents have to be dispatched to the below address:
Universal Sompo General Insurance Co.Ltd. Airoli Office-Unit No.601 & 602,A wing, 6th floor, Reliable Tech Park, Cloud City Campus, Gut no 31, Mouje Elthan, Thane Belapur Road, Airoli, Navi Mumbai – 400708
Contact Details:
Name of the company: Universal Sompo General Insurance Company Limited
Registered & Corporate Office: Office No. 103, 1st Floor, Ackruti Star, MIDC Central Road, Andheri (East), Mumbai 400093, Maharashtra. Tel: 02241659800/ 900
Website: www.universalsompo.com.
E-mail: contactus@universalsompo.com
Customer Service: Toll Free Numbers: 1800 22 4030 / 1800 200 4030
Note: Please note that above is the gist. Please read the policy wordings in detail