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Universal Sompo generally offers two ways to settle your car insurance claim, depending on where you get your vehicle repaired.Cashless Claim In this option, you take your car to a Universal Sompo authorised network garage. The insurer inspects the damage and approves the repair estimate. Once approved, Universal Sompo pays the garage directly. You only need to pay for non-covered items, if any.Reimbursement Claim This option is used when repairs are done at a garage that is not part of the insurer’s network. You first pay the repair bill yourself. After that, you submit the invoices and required documents to Universal Sompo. The approved amount is refunded to you after claim assessment.
Here is the list of documents required for Universal Sompo Car Insurance Claim: Claim Form Filled form with accident or theft details.Policy Copy To verify coverage and validity.Driving Licence Valid licence of the driver at the time of the incident.Vehicle RC Proof of ownership and vehicle details.FIR, if needed Required for theft, serious accidents, or third-party injury.Repair Estimate Cost breakdown from the garage.Medical Reports, if applicable For injury-related claims.Photos or Videos Visual proof of damage.Financier NOC, if applicable For vehicles under loan.Original Bills and Receipts Final repair invoices for settlement.
The claim settlement process of Universal Sompo is not only simple but also easy to follow. Here is the brief explanation for the same:
Cashless Claim Process
A cashless claim lets you repair your car at a Universal Sompo network garage, where the insurer pays the workshop directly.Step 1: Inform Universal Sompo Quickly Report the accident or damage as soon as possible through the website, helpline, or other official channels.Step 2: Register the Claim Fill out the claim form and share details like policy number, car registration number, and damage description.Step 3: Vehicle Inspection A surveyor inspects your car to assess the loss and approve repair costs.Step 4: Repair at Network Garage After approval, take the car to an authorised garage. Universal Sompo coordinates payment with the workshop.Step 5: Pay Your Share You must pay deductibles, depreciation (if applicable), or non-covered items before collecting the car.Reimbursement Claim Process
This option applies when repairs are done at a non-network garage.Step 1: Inform the Insurer First Notify Universal Sompo before repairs and follow the instructions given.Step 2: Survey and Approval A surveyor inspects the vehicle. Start repairs only after receiving approval.Step 3: Repair and Payment Get the car repaired and pay the full amount upfront. Keep all bills and receipts.Step 4: Submit Documents Send the claim form, invoices, FIR (if required), photos, and licence copy.Step 5: Claim Settlement After verification, Universal Sompo transfers the approved amount to your bank account.
Types of Universal Sompo Car Insurance Claims
Documents Required for Universal Sompo Car Insurance Claim
Easy Claim Settlement Process for Universal Sompo Car Insurance
Motor Insurance Plans By Universal Sompo
