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Universal Sompo Car Insurance

Car Insurance
  • Get third party cover at low premiums
  • Choose from a variety of zero depreciation and roadside assistance covers
  • 3100+ cashless garages

Universal Sompo General Insurance Company is a leading name in the insurance sector and provides services in health, travel and, home insurance, apart from car insurance services. The company has many as 113 branches and 17 zonal offices in India.

Insurance Online from Universal Sompo Car Insurance

Third-party Cover Up to Rs.7.5 lakhs
Cashless Network Garages NA
Incurred Claim Ratio NA
Net Earned Premium NA
Covers Provided
  • Depreciation
  • Invoice cover
  • Daily allowances
  • Roadside assistance
Features
  • Quick claim settlement
  • Instantaneous purchase
  • Wide range of add-ons
Inclusions
  • Third-party liability
  • Personal accident cover
  • Loss due to natural calamities
  • Loss due to man-made calamities
Exclusions
  • Loss due to wear & tear
  • Damage due to general aging of the car
  • Nuclear risks, war

Features and Benefits

  • Number of discounts- Universal Sompo offers a wide range of attractive discounts. Those who choose a higher voluntary excess amount are eligible for a discount and a special concession is also provided for vehicles that are designed for handicapped people. Apart from this, discounts are also provided for those with approved anti-theft devices installed.
  • Easy purchase & renewal - The car insurance policy can be purchased and renewed online in a matter of minutes. Log on to the Universal Sompo General Insurance home page and click on the ‘Buy’ or ‘Renew Option’.
  • Hassle-free claim settlement - Claims are settled in a speedy and efficient manner, making it easier for customers to avail cashless claim services and claim reimbursements. Making a claim is also a simple process and can be made online or through their toll-free number.
  • 24/7 customer support -With toll-free numbers active round the clock, customers can reach out to the customer support team for any policy related queries at any time. Customer care executives work closely with policyholders to help initiate a cashless claim, purchase and renew policies and claim reimbursements.
  • Wide range of add-ons - Universal Sompo offers a wide range of add-on options that can enhance the value of the car insurance policy and give it an edge over other policies. Some of the add-ons options include zero depreciation, engine protect, roadside assistance, key protect etc.
  • Cashless claim services - The wide network of network garages across the country, provides customers the facility of availing direct repair services without any inconvenience.

Easy Steps To Apply for Universal Sompo Car Insurance Online

  • Log on to the Universal Sompo General Insurance website and choose the ‘Buy’ option on their website
  • Fill in basic personal details and car related information
  • An insurance quote will be provided based on the data that has been filled out
  • Online payment can be made through the website
  • Contact the customer care if there are any issues faced during the application process

Why Universal Sompo

Quick purchase
Customer support
Emergency services
Easy claim settlement

Add-ons under Universal Sompo Car Insurance

The following are the add-ons available under Universal Sompo-

  • No depreciation- The insurance company will take the burden of the cost of depreciation of the vehicle. Therefore, there will be no loss incurred due to the depreciation of the car parts over the course of time.
  • Invoice cover- This will cover the difference in amount between the sum assured and the actual invoice price of the vehicle. This is not applicable to obsolete models and car parts that are not insured will not be covered under this option.
  • Daily allowance- A daily cash allowance will be offered to the policyholder in case of an accident, fire or unfortunate event. Allowance will be provided to cover the cost of transportation when the vehicle is undergoing repairs at an empanelled network garage.
  • Hospitalization cover- Costs incurred toward hospitalization for treatment of injuries sustained during a road accident while travelling in the insured car. This can be availed by all members of the family that have been insured under the policy.
  • Key protect- In case the key of the vehicle in question is lost or damaged, this add-on will cover the cost of repair and replacement. This also includes the lock set of the car.
  • Roadside assistance- In case of a sudden breakdown or an accident, emergency assistance services will be provided at the spot of the accident. The services provided include towing assistance, on-spot repair, tyre change, fuel delivery, key replacement, cab and accommodation services.
  • Consumables cover- This add-on offers protection to consumables parts in the car such as tyres, gaskets, sealants, filters, battery ater, bearings, ac gas, clips, oils, lubricants, grease, coolants, washers, grease, nuts, bolts, etc.
  • Towing facility- Towing services can be availed to the nearest network accident from the spot of the accident, fire, theft, etc. To seek this service, the policyholder needs to seek approval from the insurance provider.
  • Lock cover- Universal Sompo offers hydrostatic lock cover, which is an add-on that covers the cost of repair and replacement of engine parts if the damage has been caused due to the seepage of water.
  • Engine protect- In case any damage is caused to the engine and its parts due to water seepage or leakage of lubricating oil, the cost of repair and replacement will be covered under this option.
  • NCB protect- Even if more than 2 claims are made during the tenure of the policy, the no claim bonus discount will remain protected under this cover option.

Inclusion & Exclusion under Universal Sompo

Inclusions Exclusions
Loss or damage caused due to:
  • Fire, explosion & self-ignition
  • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
When the policyholder uses the vehicle contrary to mandated instructions
Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
Personal accident cover Loss due to nuclear risks
  War related risks
  Consequential loss
  Contractual liability
  Loss of accessories by theft
  If used/driven outside geographical area

Insured Declared Value - Universal Sompo Car Insurance

  • The Insured Declared Value (IDV) is determined at the time of purchase of the vehicle after taking into consideration certain parameters
  • The factors that determine the IDV of a vehicle include the make/brand of the car and the manufacturer’s listing price, apart from other factors
  • In case of vehicles that are more than 5 years old the IDV is determined based on an understanding between the insurance company and the insurer. Below is the sample of how IDV is calculated:
Age of vehicle % of depreciation
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

Universal Sompo Cashless Garages

Universal Sompo has a wide network of cashless network garages where customers can directly avail services without any hassles. The company has a presence across the country and it is very easy for the customer to locate the nearest garage through their website.

Claim Process for Universal Sompo

The claim process for Universal Sompo is easy and can be made online or through the toll-free number. Both cashless claims and reimbursement claims can be made online by following a few simple steps. It is necessary to keep all documents in hand before applying for a claim. In case of an accident, theft or third-party injury, it is a must to file an FIR.

Cashless Claim Process for Universal Sompo

Let's understand how to make a cashless claim:

  • Inform the insurance provider
  • Get the car towed from the spot of the accident to the nearest network garage
  • Services will be provided at the concerned network garage and payment will made by the insurance company to the concerned garage

Reimbursement Claim Process Universal Sompo

Let’s understand how to make a reimbursement claim:

  • Keep all bills and invoices ready
  • Fill in the duly signed claim form
  • Inform the insurance provider and submit the form along with the required documents
  • The claim should be processed within 7 working days