Universal Sompo Third Party Car Insurance

Universal Sompo car insurance is one of the popular insurance products in the market. Third party car insurance offered by the insurer covers the legal liabilities on the insured.

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Universal Sompo Third Party Car Insurance: An Overview

Universal Sompo General Insurance offers two types of car insurance plans-the Third Party Car Insurance Plan and the Comprehensive Car Insurance Plan. Since the Motor Vehicle Act has made it mandatory for every car owner to have a Third Party Car Insurance cover, Universal Sompo Third Party Car Insurance offers total coverage for injury or death of the third party and also coverage for third party property damage.

Benefits of Universal Sompo Third Party Car Insurance

Some of the alluring benefits of Universal Sompo Third Party Car Insurance are:

  • The policyholder can cover third party liabilities arising out of third-party death or injury.
  • It offers coverage of thirdparty property damage for up to Rs 7.5 Lakh.
  • It is the mostbasic and affordable policy.
  • It compensates the policyholderfor legal actions in case of road accidents.

Claim Process of Universal Sompo Third Party Car Insurance

The policy can be claimed for cashless or reimbursement claim:

Cashless Claim Process

Step1. Inform the Insurer

In order to initiate the claim, first one needs to inform the insurance company about the accident. One can call on Universal Sompo customer call centre at toll-free number 1800-200-4030 or send an i-cl@im form to contactclaims@universalsompo.com

To download claim intimation form, first go to the Home page of Universal Sompo Third Party Car Insurance, click ‘Claim’ section, and then ‘Claim Assistance’. Select ‘Motor’ and download the i-cl@im form. In case of death/injury of Third party or theft of the car, one needs to lodge an FIR and submit a copy of it to the company.

Step2. Arrangement for an Investigator

After the company has received the Third party claim intimation, and register it in claims intimation register, an investigator is assigned to carry out an assessment of the damage in order to provide reasonable and just compensation.

Step3. Submission of Relevant Documents

While the investigator carries out all assessments and submits his report to the company, one has to provide all necessary documents to proceed on to the claim process.

Step4. Repair and Final Claim Settlement

After the spot survey has been done, one can get one’s car shifted to the garage which comes under the network of Universal Sompo Car Insurance for availing cashless service. The cost of repair and car transportation charge (up to Rs1500) will be borne by the company. One will have to pay deductibles if opted at the time of purchase of the policy.

Reimbursement Claim Process

The steps for reimbursement claim are mentioned below:

Step1. Inform the insurer

To inform the insurer, call on Universal Sompo Call centre at toll-free number 1800-200-4030 or send an i-cl@im form to contactclaims@universal.com.

The insured can download the claim intimation form from the homepage of the company’s website. In case of death/injury of Third party or theft of the car, he needs to lodge an FIR and submit a copy of it to the company.

Step2. Investigator’s visit

The investigator assigned by the company, will investigate all damage and loss and submit his report to the company.

Step3. Repair and Submission of the Documents

After the investigator's assessment, one can get one’s car taken to the preferred garage; the transportation charge (up to Rs 1500) can be paid by the company. One needs to submit all necessary documents along with repair cost bills.

Step4. Reimbursement of Claim

If a particular garage doesn’t come under the insurance company garage network, one will have to pay the repair cost there. One can collect all original bills and submit them to the company. The amount will be reimbursed within 7 working days.

FAQs About Universal Sompo Third Party Car Insurance

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