Universal Sompo Car Insurance

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Universal Sompo Car Insurance
  • 3500 Cashless garages

  • Plan starting @ ₹ 2094#

  • 96% Claim settlement ratio

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      Universal Sompo Car Insurance

      Universal Sompo car insurance plans are designed for customers seeking robust insurance to cover their cars from unforeseen damages, such as a road accident. The Universal Sompo General Insurance Company provides motor insurance plans that offer comprehensive coverage along with a number of additional benefits.

      Read more

      About Universal Sompo General Insurance Company

      Universal Sompo General Insurance Company is the result of a joint venture between Indian Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and leading Japanese insurance company - Sompo Japan Nipponkoa Insurance Inc. The company has its headquarters in Mumbai.

      With the backing of the Japanese insurance expert, three major Indian banks, as well as a major investment company, Universal Sompo General Insurance Company, is ideal for those looking for power-packed motor insurance policies. They are loaded with amazing coverage benefits that are provided efficiently and quickly.

      Key Features of Universal Sompo Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 96%
      Personal Accident Insurance Up to Rs. 15 Lakhs
      Network Garages 3,500
      No Claim Bonus Yes
      No. of Zero Dep Claims Unlimited times (up to IDV)
      No. of Comprehensive Claims Unlimited

      Benefits of Universal Sompo Car Insurance

      Universal Sompo car insurance has certain benefits, which are given below:

      • Easy and smooth policy buying process with quick and minimal documentation
      • A network of certified workshops or garages all over India with cashless claim settlements.
      • Claim assistance is provided 24/7 by a team of specialized and highly trained customer support specialists
      • Availability of No Claim Bonus discount with all Universal Sompo motor insurance plans
      • Discount for specially designed/ modified vehicles for blind, handicapped and mentally challenged people

      Types of Universal Sompo Car Insurance Policy

      Universal Sompo General Insurance Company offers three major types of four-wheeler insurance plans. These are:

      1. Third-Party Liability Car Insurance

        Under a Third Party car insurance policy, the policyholder receives compensation against any accidental damage sustained by the third party due to the insured car. These damages can be bodily injury or death and property damages of the third party.

        A liability-only car policy provides compensation in full for death or injury to the third party, while for property damages, the compensation is limited to Rs. 7.5 lakh. However, any damage to the insured car is not covered under this four-wheeler policy.

      2. Standalone Own Damage Car Insurance

        The Standalone Own Damage car policy is designed to cover own damages sustained by the insured car due to unforeseen events like a road accident, theft, fire, natural calamities, etc. This motor policy can be purchased to extend the coverage for the car in addition to a third party liability policy.

      3.  Motor Private Car Insurance Policy

        With a motor private car or comprehensive car policy, a policyholder can cover the insured car against damages arising out of events like accidents, earthquakes, fire, robbery, etc. Furthermore, this car policy also covers the insured car against third party liabilities like injury, death or property damages of the third party.

        A comprehensive motor insurance policy offers a wider coverage that can be further extended by purchasing add-ons on payment of an additional premium.

      Universal Sompo Car Insurance Premium Calculator

      By using a car insurance premium calculator, a policyholder can ascertain and compare the premium of the Universal Sompo car insurance plans before purchasing one. It helps him/her know the cost of the car policy and decide whether it fits within his/her budget or not.

      Coverage Under Universal Sompo Car Insurance

      • Natural Calamities: Damages due to calamities that are natural in origin, such as earthquakes, floods, etc.
      • Manmade Acts: Loss or damage to the car due to manmade activities, such as riots, malicious acts, strikes, terrorist activity, etc.
      • External Means: Damages to the insured car due to an accident by external means
      • In-transit Damages: Damages caused while the insured car is in transit by road, rail, lift, inland, waterway, elevator or air
      • Third Party Liability: Damages to the third party, and injury or death of the third party due to an accident caused by the insured car
      • Fire: Loss to the insured car due to events like fire, explosion, lightning or self-ignition
      • Burglary: Damages caused to the insured vehicle due to theft, burglary or housebreaking
      • Wear and Tear: Damages to the insured car due to the wear and tear that occur over time
      • Outside Geographical Location: Damages caused when the insured car was being used outside of the geographical limits of India
      • Drunk Driving: Liabilities that occur when the driver of the insured vehicle is under the influence of intoxicants, drugs or alcohol
      • Invalid Driving License: Damages caused when the insured car is driven without a valid driving license
      • Commercial Use: Damages caused if a private insured car is being used for commercial purposes
      • Contractual Liability: Claims arising out of any contractual liability
      • Breakdown: Damages to the insured vehicle due to electrical or mechanical breakdown
      • Nuclear Peril: Damages and losses caused due to nuclear fission, or civil war.

      Universal Sompo Car Insurance Add-Ons
      Return to Invoice Cover

      Under the return to invoice add-on cover, policyholders may avail of an amount equivalent to the invoice price of the insured car in case of its total loss or theft.

      Here the compensation will be equal to the invoice value along with registration cost, road tax, plus insurance premium.

      Read more
      Daily Cash Allowance Benefit

      Under a Daily Cash Allowance benefit, a daily allowance is provided to the policyholder till the time the insured car is undergoing repairs.

      A policyholder can avail this benefit only when the insured car is in the garage for more than 3 days.

      Read more
      Pay as You Drive Cover

      Under the pay as you drive cover, a policyholder can avail discount depending on the kilometres driven by the four-wheeler.

      This add-on lets policyholders select an annual driving limit based on which they receive a discount on OD premium. The insurance company will also need you to upload your car's odometer reading at the time of booking.
      Damages sustained by the insured car will be covered up to the annual driving limit.

      Read more
      Engine Protector Cover

      Engine Protector add-on cover provides compensation for repairing or replacing the engine or its parts, such as the gearbox of the insured car, in case of an unforeseen accident.

      Consequential damages sustained by the insured car due to water ingression are covered under this add-on.

      Read more
      Depreciation Waiver Cover

      A policyholder may opt to purchase a Depreciation Waiver cover that pays for the depreciation borne by the repaired or replaced items of the insured car.

      It provides 100% repayment on the depreciation of the insured car and all its parts except tyres, tubes and batteries, which are covered at 50%.

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      Hospital Daily Cash

      The Hospital Daily Cash cover provides a daily cash limit of up to Rs. 2,000 to the policyholder for a maximum of thirty days of hospitalization.

      Policyholders can also include a family member in the add-on coverage by paying an extra premium.

      Read more
      Key Replacement Clause

      The Key Replacement add-on cover compensates the policyholder in case the keys of the insured car are lost, stolen or broken.

      If there is damage to the remote key due to accident, fire or water, the labour charge for repair and replacement would be covered.

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      Roadside Assistance Cover

      The roadside assistance add-on provides coverage if the insured vehicle suffers a breakdown on the road. Some roadside services include fuel delivery, minor repairs, flat tyre support, etc.

      Services under this add-on can be availed for a maximum of two times during a policy period.

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      Cost of Consumables

      Consumables add-on cover provides compensation against the cost of replacing or refilling consumables used in the insured car.

      Consumable items include engine oil, nuts, screws, etc.

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      Loss of Personal Belongings Clause

      Under the loss of personal belongings add-on cover, the insurance company will compensate for the loss of personal belongings that were present in the insured vehicle at the time of the accident.

      Belongings like baggage, mobile phones, laptops, clothes, bags, etc., are covered under this add-on.

      Read more
      NCB Protector Cover

      As soon as a policyholder raises a claim during a policy year, the NCB received becomes null. NCB protector add-on cover allows a policyholder to

      retain the No Claim Bonus discount earned even after he/she has made a claim in the policy year.

      Read more
      View more Add-ons

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      How to Renew Universal Sompo Car Insurance?

      Visit the official website of Policybazaar Insurance Brokers Private Limited and follow the steps mentioned below to renew Universal Sompo car insurance online:

      • Visit the official website of Policybazaar Insurance Brokers Private Limited and follow the steps mentioned below to renew Universal Sompo car insurance online:
      • In the given form, enter your car number and proceed forward.
      • Enter your existing motor policy expiry date and previous claim details.
      • From the mentioned plans, select the Universal Sompo insurance renewal plan.
      • Select additional covers and proceed with premium payment
      • Verify the rest of the details on the next page
      • Pay the premium for Universal Sompo car insurance renewal using bank cards, UPI or net banking
      • After the payment completion, you will successfully renew the Universal Sompo motor insurance policy online. The renewal documents will be sent to your registered email address.

      How to File a Claim Under Universal Sompo Car Insurance?

      To file a car insurance claim with Universal Sompo General Insurance Company, follow the steps mentioned below:

      1

      Intimation:

      The first step is to inform the insurance company about the incident so that a claim can be registered.

      2

      Surveyor Appointment:

      A surveyor will be assigned by the insurer to assess the damages sustained by the insured vehicle.

      3

      Documents Verification:

      Make sure to keep all the relevant documents with you for verification purposes.

      4

      Claim Settlement:

      Once the repairs are done, the insurance company will settle the claim with the network garage.

      Under a reimbursement claim, the claim amount will be reimbursed after you have got the repairs done in a non-network garage and settled the bill in full.

      Documents Required to Raise a Claim Under Universal Sompo Car Insurance

      The documents required to raise a claim under Universal Sompo car insurance are mentioned below:

      • Duly signed claim form
      • Original bills, receipts of repairs
      • Copy of driving license
      • Copy of registration certificate
      • A copy of car insurance papers
      • A copy of the Police FIR

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      Average Rating
      (Based on 16 Reviews)
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      Universal Sompo Car Insurance Reviews & Ratings

      4.9 / 5 (Based on 16 Reviews)
      (Showing Newest 10 reviews)
      Akshay
      Indore, March 01, 2024
      Towing facility
      Thanks to Mr. Rajeev customer support executive for the cashless claim process with Universal Sompo insurance policies. I approached Policybazaar when I wanted a tow facility as my car got damaged due to a minor accident. I am grateful that my Maruti Swift was already insured.
      Shivender
      Mumbai, February 24, 2024
      No claim bonus
      For not raising any claim request in my policy tenure, Universal sompo insurance company gave me no claim bonus. During the renewal time i got some good discount on the premium from the NCB reward. I had taken my comprehensive car plan for my Civic car from Policybazaar so thanks to the team for suggesting me amazing plan.
      Mahesh
      Panipat, December 13, 2022
      Universal Sompo Car Insurance
      Received awesome services, from Policybazaar. the team was very informative. an executive explained each and everything very well to me. He shared all the necessary information about the universal sompo comprehensive car plan which I purchased for my Ertiga car.
      Ramesh
      Sitapur, December 08, 2021
      Hassle free process
      I went through a simple and hassle free process while buying Universal Sompo car insurance from Policybazaar. genuinely PolicyBazaar provides such convenient process. What I liked about Policybazaar was that they provide complete support in the online process as well.
      Suhesh
      Aligarh, November 10, 2021
      Good service
      I have recently renewed the policy which I had taken for my car from Policybazaar. In Universal Sompo car Insurance, the company offered me high coverage at low premium rate. i have had a great experience with them and the service was good.
      Mithlesh
      Panchkula, October 26, 2021
      Great features
      I am glad to be a customer of Policybazaar as they have offered me great features and benefits under universal sompo car insurance. the service they provide to their customers is too good. whoever buys policy from here will never be disappointed.
      Priynka
      Asansol, September 07, 2021
      Multiple payment options
      I recently bought a car insurance for my new car which i took from the Policybazaar. The most convenient thing I found was the payment process.They offered me multiple payment options which made the payment easy.
      Sarvan
      Chunnar, August 27, 2021
      Hassle free service
      I have taken Universal Sompo car insurance without any hassle from the policy Bazaar. Just as the purchase process was hassle free, they also make the renewal process hassle free. It provides coverage of own damages liability as well as third party liability
      Umakant
      Patna, August 20, 2021
      Best Features
      I bought a new car and i had to insured my car. a friend of mine suggested me to check the website of policy bazaar. he told me that they gives the best features under the policy to their customers within their budget. so i saw a lot of plans out of which i liked the Universal Sompo car Insurance.
      Gopal
      Mumbai, August 20, 2021
      Easy to compare
      I bought Universal Sompo car insurance it was so easy to compare plans on the website of policy bazaar. i spoke to my friend about car insurance and my friend suggested me to visit on policy bazaar website. i found it very convenient to buy policy online.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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