Hassle-Free Buying Process
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Compare Different Plans Easily
Add-Ons for Customization
About Universal Sompo Car Insurance
Universal Sompo Car Insurance is a policy that protects car owners from financial loss due to accidents, theft, fire, natural disasters, and third-party damage. You can choose between a third-party plan or a comprehensive cover that also includes protection for your own car.
The policy also allows you to add extra covers like zero depreciation or roadside assistance for more safety.
Key Highlights of Universal Sompo Car Insurance
Here are the key features of Universal Sompo Car Insurance:| Feature | Simple Explaination |
|---|---|
| Founded Year | The company started in 2007. |
| Network Garages | Offers 3,500+ partner garages for cashless repairs across India. |
| Third-Party Property Damage Limit | Covers up to Rs. 7.5 lakh for damage caused to someone else’s property. |
| Personal Accident Cover | Provides up to Rs. 15 lakh for the owner-driver. |
| Cashless Repairs | Allows repairs at network garages without paying upfront, as per terms. |
| Comprehensive Cover | Protects against accidents, theft, fire, and natural disasters. |
| Add-On Options | You can choose extra covers like zero depreciation or roadside help. |
| Online Services | Helps you buy, renew, and download policies digitally. |
| Claim Assistance | Offers support during the claim process. |
| Legal Compliance | Helps meet Indian motor insurance rules. |
Motor Insurance Plans By Universal Sompo
Types of Universal Sompo Car Insurance
Universal Sompo offers different car insurance plans to meet legal needs and personal protection goals. Each type serves a specific role.
- 01
Third Party Car Insurance
This is the basic and compulsory cover in India. It does not cover damage to your own car. This plan suits drivers who want only legal compliance at a lower cost. It pays for:
Injury or death caused to another personDamage to someone else’s property - 02
Comprehensive Car Insurance
This is the most complete option. You can also enhance this plan with add-ons like zero depreciation or engine protect. This plan works well for daily drivers and new cars. It includes:
Third-party coverDamage to your own car due to accidentsTheftFire or explosionFloods, storms, or earthquakes - 03
Standalone Own Damage Cover
This plan protects only your car. You must already hold a valid third-party policy to buy this cover. It suits car owners who purchased third-party insurance elsewhere. It covers:
Accident repairsTheftFire damageNatural disasters
Benefits of Universal Sompo Car Insurance
Universal Sompo Car Insurance offers reliable protection for your car along with easy claims and useful add-ons. It is suitable for drivers who want wide coverage and stress-free service.
- 01
Comprehensive Coverage
The policy protects your car against accidents, fire, theft, natural disasters like floods, and man-made events such as riots or vandalism.
- 02
Mandatory Third-Party Protection
It includes third-party liability cover, which pays for injury, death, or property damage caused to others and keeps you legally compliant.
- 03
Useful Add-Ons for Extra Safety
You can strengthen your policy with add-ons like Zero Depreciation, Engine Protect, Roadside Assistance, and Return to Invoice to reduce repair expenses.
- 04
Cashless Repairs at Network Garages
Universal Sompo has a network of garages where you can get cashless repairs, making the settlement process smooth and quick.
- 05
Hassle-Free Claim Process
Claims can be registered online with easy document uploads and tracking, saving time during emergencies.
- 06
Personal Accident Cover
The owner-driver gets personal accident protection, offering financial support after serious injuries.
- 07
Premium Savings
Drivers can benefit from No Claim Bonus, voluntary deductibles, and discounts for safety features, which help lower the insurance cost.
- 08
Easy Online Policy Services
You can buy, renew, or download your policy online without paperwork.
Available Add-Ons in Universal Sompo Car Insurance
Here is the list of some popular add-ons available at Universal Sompo car insurance:| Name of Add-On | What It Does |
|---|---|
| Zero Depreciation Cover | Removes depreciation deduction on car parts during claims, so you get a higher payout. |
| Roadside Assistance | Provides help during breakdowns, towing, flat tyres, or battery issues. |
| Engine Protection Cover | Covers engine damage caused by water entry or oil leakage. |
| Personal Accident Cover for Passengers | Gives financial support if a passenger is injured or dies in an accident. |
| Return to Invoice Cover | Pays the car's original invoice value if it is stolen or completely damaged. |
| NCB Protection | Keeps your No Claim Bonus safe even after raising a claim. |
Universal Sompo Car Insurance Policy Coverage
What it Covers
Universal Sompo car insurance protects your two-wheeler in many unexpected situations, such as:
Accidents
Covers repair costs or loss if your car is damaged in a road accident.
Theft
Helps compensate for a stolen car.
Fire Damage
Covers loss caused by fire or explosions.
Natural Disasters
Protects against floods, earthquakes, cyclones, storms, and hailstorms.
Man-Made Events
Covers damage due to riots, strikes, vandalism, or similar incidents.
Damage During Transport
Covers damage if the car is harmed while being transported by road, rail, air, water, or elevator.
What Does it not Cover
Universal Sompo car insurance usually does not cover:
Normal Wear and Tear
Damage caused over time due to regular use of the car.
Mechanical or Electrical Breakdown
Internal failures without an accident are not covered.
Improper Use
Damage caused by riding beyond limits or for non-approved purposes.
Indirect Losses
Any additional or consequential loss after an incident is not covered.
No Valid Driving Licence
Claims may be rejected if the rider does not have a valid licence.
Drunk or Drug Use
Damage caused while riding under the influence of alcohol or drugs is not covered.
To purchase a Universal Sompo car insurance policy smoothly, keep these documents ready:Vehicle Information Registration number, car model, variant, fuel type, engine number, and chassis number.Personal Details Full name, date of birth, mobile number, and residential address.Identity Proof Aadhaar card, PAN card, passport, or driving licence.Address Proof Aadhaar card, voter ID, or a recent utility bill.RC Copy Vehicle Registration Certificate for existing cars.Nominee Details Name and relationship for Personal Accident Cover.Photograph A passport-size photo may be required for KYC verification.
You can follow these simple steps to buy a Universal Sompo car insurance policy online:Step 1: Visit the Universal Sompo General Insurance website and select the “Car Insurance” option.Step 2: Enter your vehicle registration number or choose the “New Car” option if the vehicle is not registered yet.Step 3: Fill in car details such as make, model, variant, fuel type, and year of registration.Step 4: Add your personal information and continue to the next page.Step 5: Review the available plans and choose one that matches your coverage needs and budget.Step 6: Select helpful add-ons like Zero Depreciation, Engine Protection, or Roadside Assistance if required.Step 7: Complete the payment using UPI, debit card, credit card, or net banking.Step 8: Check your email inbox to receive your Universal Sompo car insurance policy documents.