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Universal Sompo Third-Party Car Insurance

With Universal Sompo third-party car insurance, you are covered by any legal or financial liability arising from damages caused to the third-party person/property involving your insured vehicle. Besides, insuring your car with this policy also helps you meet the mandatory legal requirements to drive on Indian roads.

Benefits of Universal Sompo Third Party Car Insurance

A third-party car insurance policy by Universal Sompo offers the following advantages:

Seamless Buying Experience: Buying Universal Sompo third party car insurance online is a smooth process with no inspection and minimal documentation.
Stress-free Driving: Procuring a basic third-party car insurance policy is a legal requirement to drive on roads. It protects you from hefty traffic fines as well as any legal/financial liability that may occur due to an accident involving your insured vehicle, thereby helping you drive peacefully.
Simplified Claim Processing: The Universal Sompo General Insurance Company offers 24/7 claim assistance to policyholders for claim intimation or related queries.

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Coverage Under United India Third-Party Car Insurance

Inclusions
Exclusions

Coverage for injury/death of a third party involved in an accident against the insured vehicle. (the cover amount can be limited or unlimited, solely depending upon the nature of the accident and the injury incurred). The court of law decides the final compensation.
Cover for losses or damages caused to the third-party property in an accident involving the insured vehicle
A personal accident (PA) cover for the owner of the insured vehicle in case of accidental death/disability

Damages caused to the policyholder's vehicle
Claims arising out of any contractual liability
Any accidental loss or damage when the insured vehicle is being used otherwise than by 'Limitations as to Use'.
Any damages incurred outside the insurance coverage area
Accident caused due to driving under the influence of drugs/alcohol or without a valid driving licence

How to Purchase Universal Sompo Third Party Car Insurance Policy?

Buying Universal Sompo third party insurance online is a quick & easy process. These are the steps:

Select 'Car Insurance' on Policybazaar.com and enter your car number to view prices.
Now, provide your car's make & model, variant, fuel type, RTO, and registration year, and proceed further to fill in the proposal form.
From the list of various motor insurance plans offered by multiple insurers, select Universal Sompo third-party car insurance and select the appropriate PA cover amount.
Proceed to make the policy premium payment, which can be done through various payment methods like credit/debit cards, net banking, and UPI.
Once the payment is successful, you will instantly receive your car insurance policy in your registered email.

Documents Required to Raise Universal Sompo Third Party Car Insurance Claim

You can raise a claim on your third-party four-wheeler insurance by keeping the following documents handy with you:

Copy of Police FIR, GD Entry
Copy of vehicle insurance policy
Nominee Written Statement
Witness Statement with ID and address proof
Insured vehicle's registration certificate
Duly filled & signed claim form
Copy of driving licence
Discharge cum Satisfaction Voucher signed by Nominee/Legal Heir
Neft Mandate Form/Cancel CTS Cheque/Passbook of Nominee/Legal Heir
Punchanama
Postmortem Report (in case of driver death)
MLC report (in case of driver/ passenger injury/driver death)
Hospital records (if applicable)

FAQs

Q1. What to do in case my vehicle meets with an accident?

Ans: If, in an unfortunate event, your vehicle meets with an accident and injures a third party or causes third-party property damages, you should immediately contact your insurance company and report the incident or you can get in touch with our claim assistance team at 1800-258-5881.
Q2. Are accidental damages to my car covered under this policy?

Ans: No. The Universal Sompo third party car insurance only covers liabilities related to a third person or property as well as a personal accident cover for the policyholder and doesn’t cover own damages.
Q3. What are the various modes of paying my policy premium?
Ans: You can pay the premium for your Universal Sompo third party car insurance policy using the following 3 methods:
- Netbanking
- Credit/Debit Cards
- UPI
Q4. What is the process for filing a claim under my policy?
Ans: Filing a claim under your Universal Sompo third party car insurance involves the following procedure:
- Firstly, inform the Universal Sompo General Insurance Company about the incident and furnish all the necessary information and relevant documents.
- Upon receiving the claim intimation, your insurer will appoint an investigator to collect the relevant data in order to evaluate appropriate compensation.
- Simultaneously, you submit the claim form as well as applicable documents.

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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