Q1. How is a comprehensive plan more beneficial than a third-party policy?

Ans: A comprehensive car insurance plan is more beneficial as it offers a wider coverage. This policy not only offers own damage cover but also covers third party liabilities of the insured car.

Q2. How does the No Claim Bonus work on the comprehensive plan?

Ans: The policyholder gets NCB discount for not raising a claim. This discount can go up to 50% and can be availed at the time of car insurance renewal.

Q3. How good is Universal Sompo Car Insurance claim settlement?

Ans: Universal Sompo Car Insurance is a trustworthy company in the insurance market. It has a claim settlement ratio of 96%%.

Q4. Can the claim process be initiated online?

Ans: Yes, the policyholder can initiate the claim process online by visiting the official website of the company and by dialing on the toll-free number.

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Universal Sompo Comprehensive Car Insurance

The Universal Sompo comprehensive car insurance policy enhances the overall coverage of the policy. It ensures coverage against the financial cost of the damage caused by any unforeseen event including accidents. Along with accidents, this policy by Universal Sompo General Insurance Company also covers theft, damages due to natural calamities, any sort of man-made calamities, and third party liabilities as well.

Benefits of Universal Sompo Comprehensive Car Insurance

Universal Sompo comprehensive car insurance comes with a lot of benefits for the customers. Its alluring features directly attract the customers towards itself. Here is the list of benefits of the comprehensive plan:

Personal Accident Cover: With a Universal Sompo comprehensive car insurance policy, you can also get personal accident coverage up to Rs 15 lakh.
Theft and Fire Cover: If your car sustains partial or total loss due to fire or theft, you can get it covered under a Universal Sompo comprehensive car policy.
Useful Add-on Covers: With the help of additional covers offered with a private car insurance policy, you can also enhance the scope of coverage of your car policy.
Wide Network of Garages: The insurance companies also offer cashless services in a wide network of garages spread across the country.

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Coverage Under Universal Sompo Comprehensive Car Insurance

A Universal Sompo private car insurance policy offers the following coverage:

What is Covered?
What is not Covered?

Damages and losses that are covered under the car insurance policy are:

Third party liabilities such as death, disability and property damage of third person
Losses to the insured car due to theft or burglary
Fire, explosion or self-ignition of the insured car
Damages to the insured car while it was in transit via road,rail, air and water
Natural calamities like hurricanes, cyclones, typhoons resulting in damages to the insured car
Manmade acts like strikes, riots etc leading to damages to the insured four-wheeler

Damages that are not covered under a Universal Sompo comprehensive car insurance policy are:

Damages to the insured car as a result of drunk driving
Claims cannot be raised for damages arising as a result of any contractual liability
Wear and tear or depreciation sustained by the insured four-wheeler
Accidental damages to the car when being driven without a valid DL are not covered
Nuclear or civil war causing damages to the insured car

Add-Ons Under Universal Sompo Comprehensive Car Insurance

Additional covers that can be bought to enhance the coverage of a Universal Sompo comprehensive insurance policy are:

Depreciation Waiver Addon
Return to Invoice Cover
Loss of Personal Belongings Clause
Cost of Consumables
Secure Towing
Key Replacement Clause

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How to Purchase a Universal Sompo Comprehensive Car Insurance Policy?

Follow the steps mentioned below to buy a Universal Sompo comprehensive insurance policy online:

Visit Policybazaar.com and select “Car Insurance”
On the next page, enter your car number or select another option
Provide your car details such as RTO, make, model, variant and registration year
Proceed with viewing car insurance quotes online
Select Universal Sompo comprehensive plan from the list
Select additional cover that you wish to include to your plan
Pay the premium amount and your Universal Sompo car insurance policy will be issued.

Documents Required to Raise Universal Sompo Comprehensive Car Insurance Claim

A policyholder needs a few important policy-related documents to initiate the claim process. The documents required are mentioned below:

Filled claim form
Policy documents
Registration certificate of the vehicle
Driving license of the driver
Estimate cost or repair cost invoice
First information report (In some cases)

Universal Sompo Comprehensive Car Insurance FAQs

Q1. How is a comprehensive plan more beneficial than a third-party policy?

Ans: A comprehensive car insurance plan is more beneficial as it offers a wider coverage. This policy not only offers own damage cover but also covers third party liabilities of the insured car.
Q2. How does the No Claim Bonus work on the comprehensive plan?

Ans: The policyholder gets NCB discount for not raising a claim. This discount can go up to 50% and can be availed at the time of car insurance renewal.
Q3. How good is Universal Sompo Car Insurance claim settlement?

Ans: Universal Sompo Car Insurance is a trustworthy company in the insurance market. It has a claim settlement ratio of 96%%.
Q4. Can the claim process be initiated online?

Ans: Yes, the policyholder can initiate the claim process online by visiting the official website of the company and by dialing on the toll-free number.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in