Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Universal Sompo Auto Insurance

 4.5 / 5.0   by 8 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Cashless Garages

The story of the coming together of three formidable Indian banks, one FMCG and a marketing leading insurer from Japan, is Universal Sompo General Insurance Company Limited. And under this impressive assembly, the Universal Sompo Auto Insurance policy has thrived and become one of India’s leading choices when it comes to vehicle insurance. The company offers the following as part of its motor insurance initiative- Private Car Insurance, Two Wheeler Insurance, Passenger Carrying Vehicles Insurance, Goods Carrying Vehicles Insurance and Miscellaneous Vehicles Insurance.

Universal Sompo Auto Insurance

This all-encompassing policy provides superior protection to your vehicle against liabilities arising from such factors as fire, lightning, theft, riot, explosion, malicious acts, earthquake, accidental external means, landslides etc. An important part of this policy is the third party insurance component, wherein protection is given against financial liabilities arising from your vehicle’s causal/participation in an accident that resulted in the injury, death and/or property damage of an arbitrary third party. Further, the Universal Sompo Auto Insurance policy provides for compulsory Personal Accident cover for the owner/driver.

Optional Extensions- Additional Covers to Boost Your Auto Insurance

These additional covers account for conditions that may not necessarily be covered in the main policy. Additional coverage could be subscribed for,

  • Loss of accessories (also electric or electronic for specific cases).
  • Legal liability to paid driver, cleaner or any workman.
  • Personal Accident Coverage to the occupants/pillion riders.
  • In case of private cars, incremented legal liability to third party property damage upto Rs 7.5 lakhs.

Salient Features & Exceptions Of Universal Sompo Auto Insurance

The salient features of the Universal Sompo Auto Insurance Policy include the following-

  • Enjoy convenience, speed and security by applying for the Universal Sompo Vehicle Insurance Policy online.
  • Rewards for zero claims through a specific duration of time in terms of No Claim Bonus (NCB).
  • Avail attractive discounts when opting for higher voluntary excess.
  • Discounts also apply on policy purchase when specific anti-theft devices are installed in the vehicle.
  • Concessions apply for specially designed vehicles or vehicles that have been modified, to suit the specific needs of blind, handicapped and/or mentally challenged people.
  • The policy statement defines the concept of depreciation, for parts that need replacement after an accident.

Further, the following exceptions are also in place- conditions, wherein the usual rules of the Universal Sompo Auto Insurance Policy do not apply-

  • Accidents that occur outside the specified geographical area.
  • Normal wear and tear from routine usage of the vehicle that leads to consequential loss.
  • Driving under the influence of drugs, liquor or other mood altering substances.
  • Driving without a valid license, or the vehicle being driven (at the time of the accident) by someone who isn’t the owner or designated driver of the vehicle.
  • Usage of the vehicle that defies the clauses established in the ‘Limitation as to Use’ document.

As established by the features listed above, the auto insurance policy from Universal Sompo is highly customer centric and tuned to the specific requirements of the Indian customer.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Universal Sompo Auto Insurance Reviews

Page 1 of 1
  • Universal Sompo Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a long time back and it has been a good insurance policy. I had been paying the premium online and the payment method has been convenient. There has been a claim made once and the claiming method has been simple.
    Was this review helpful? 0
    , navi mumbai
    Reviewed on Jan 18, 2019
  • Universal Sompo Car Insurance
    "Good car insurance policy"
    0.5 5.0/5 "Blown Away!"
    They have given me a coverage amount of Rs. 4.80 lakhs. I have been paying the premium amount of Rs. 14200 every year. My friend has referred me about this car insurance policy. Within a week, i have got my claim amount. They have given me a claim settlement amount of Rs. 9400. Claim experience was a satisfactory one.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 24, 2018
  • Universal Sompo Car Insurance
    " Good protection for four wheeler"
    0.5 4.0/5 "Great!"
    All policies with Unviersal sompo, whenever I call they respond well on the toll free helpline. The policy covers fully my car compared to other insurer, the beginning it was zero depreciation plan, they gave me the insured declared value.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 14, 2018
  • Universal Sompo Car Insurance
    "Good Car Insurance policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 03, 2018
  • Universal Sompo Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with Universal Sompo from last 4-5 years, they cover bumper to bumper as well as third party damages. I have not claimed anything so far from this insurance policy. A premium of Rs 18000 has to be paid for this insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Apr 27, 2018
  • Universal Sompo Car Insurance
    "Better policy to use"
    0.5 4.0/5 "Great!"
    Since from 2011 I am renewing the car insurance policy from the UNIVERSAL SOMPO GENERAL INSURANCE company. The customer support service is good here and they give good response to the customers. The bumper to bumper coverage is available with this policy .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 22, 2018
  • Universal Sompo Car Insurance
    "Car insurance with Universal"
    0.5 5.0/5 "Blown Away!"
    I have taken a car loan from UNIVERSAL SOMPO GENERAL INSURANCE. The yearly premium amount is 9000. We have to renew the policy every year. I make the payment by directly visiting the branch. Its covers my whole car. Its an accidental policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Dec 16, 2017
  • Universal Sompo Car Insurance
    "A Worst experience of a Universal Sompo Customer."
    0.5 0.5/5 "Unacceptable"
    To whom so ever it may concern. A Worst experience of a Universal Sompo Customer. Poor and worst service experience company. People please be aware from this bad company. My name is Anil kumar Hasgul. I've registered a claim for my vehicle TS16UA6752 on Saturday, July 9, 2016(CL16030442), but until now it hasn't been resolved. They're least bothered about their customers. None of the employee from Universal Sompo are not customer friendly and also do not bother. Survey has been done multiple times with different surveyors and non of them haven't given me an end resolution. I'm still waiting in patience but their response zero. I'm fed up with their service. I even called to Zonal manager(Sarvanan Krishnan) multiple times with a hope, but no use of calling. I called to Claim manager who is dealing with my claim(Laxman). He just explains the policy and process but he fails to provide me an end resolution to my issue. Finally, I asked to provide a mobile no:+919502258284.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Aug 20, 2016
Common Loader Icon
Page 1 of 1

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.