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

Universal Sompo Motor Insurance

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Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

Universal Sompo General Insurance Co.Ltd. is a prominent insurance provider in the Indian insurance space, offering world-class products and services to its vast customer base. It has a robust claim settlement ratio of 99.23% and observes a short turnaround time for the resolution of customer queries/issues. The company issues a wide range of insurance products, including health, motor, commercial, and miscellaneous insurance.

Why Should You Buy Motor Insurance From Universal Sompo?

The insurance company offers motor insurance with extensive coverage for the protection of various kinds of motor vehicles. The benefits of choosing Universal Sompo are:

  • You can buy motor insurance online effortlessly.
  • The insurance company enables you to make updates to the existing insurance policy by issuing online endorsements. Getting endorsements online is very useful as it reduces the overall time taken for the process.
  • The registration process with the insurer progresses in a highly efficient manner.
  • It is possible to track the status of a claim by logging in to the insurer’s website.
  • The process of grievance management is very efficient and effective.
  • The payout for all claims are done through RTGS/NEFT. This reduces the overall turnaround time for claim settlement by a considerable amount.
  • It is possible to renewal your motor insurance policy online in an easy and efficient manner.

Types Of Motor Insurance From Universal Sompo

Universal Sompo offers the following types of motor insurance policies to its customers:

  • Private car insurance - This plan offers insurance protection to vehicles that are used for domestic, social, or pleasure purposes. This policy protects the vehicle from the following losses:
    • Explosion, fire, theft, lightning, riots, malicious acts, strikes, earthquakes, flood, accidents, in-transit damages, typhoons, burglary, terrorist activities, rockslides, and landslides.
    • It also protects from liability claims raised by a third party for injuries, death, or property damage.
    • The owner-driver of the insured vehicle is offered personal accident cover under the plan.
  • Two-wheeler insurance - This plan is offered to the owners of bikes and scooters in the country. The coverage under the two-wheeler insurance policy is similar to that of the private car insurance package mentioned above. The insurance coverage under this plan is valid for 1 year.
  • Passenger carrying vehicle insurance - This insurance plan is configured to protect vehicles that carry passengers. Vehicles used for pace making, racing, speed testing, and reliability trials are not included under the coverage of the plan.
  • Goods carrying vehicle insurance - This plan offers insurance protection to a goods carrying vehicle used by the policyholder or his/her employees. Vehicles used for hire or reward are also covered.
  • Miscellaneous vehicle insurance - This plan is offered to vehicles that are used for special purposes by the policyholder or his/her employees.
  • Two-wheeler long term package policy (TWLTPP) - This insurance plan is offered to the owners of two-wheelers, and the coverage term under this policy can be 2 or 3 years.

Universal Sompo Third-Party Liability Insurance Policy - Inclusions

A customer can choose to buy a limited motor insurance cover from Universal Sompo. This is referred to as third-party liability insurance or liability-only plan. This policy offers the following coverage to the insured vehicle and the policyholder:

  • Legal liability claims protection for injuries/death - This refers to protection from liabilities to a third party following an accident. Third-party injuries and death are offered unlimited coverage.
  • Legal liability claims for property damage - This refers to protection from liabilities arising out of property damage of a third party following an accident.

Universal Sompo Comprehensive Motor Insurance Policy - Inclusions

The comprehensive motor insurance cover from Universal Sompo includes protection from the following events:

  • Damages due to fire, lightning, self ignition, or explosion
  • Losses from housebreaking, burglary, or theft
  • Losses from strikes and riots
  • Losses arising out of shock and fire damage due to earthquakes
  • Damages due to hurricane, typhoon, tempest, storm, cyclone, inundation, frost, or hailstorm
  • Damages from accidents
  • Losses due to malicious activities
  • Losses from terrorist acts
  • Damages to the vehicle while in transit via rail, air, road, inland waterways, lift, or elevator
  • Losses from landslides or rockslides

The coverage provided by the comprehensive policy can be enhanced by employing add-on covers that are offered by the insurer at a nominal cost.

Universal Sompo Motor Insurance - Exclusions

The Universal Sompo motor insurance policy does not offer protection from the following events:

  • Accidents that occur outside the specified geographical area
  • Normal wear and tear of the vehicle or its parts
  • Consequential losses
  • Driving the insured vehicle without a valid license
  • Driving while intoxicated with liquor or drugs
  • The insured vehicle being used beyond limits

Universal Sompo Motor Insurance FAQs:

  1. What are the discounts offered by Universal Sompo on motor insurance?

Universal Sompo offers the following discounts to its motor insurance customers:

  • No Claim Bonus (NCB) for not raising any claim in a policy year
  • Premium discount for choosing higher voluntary deductibles
  • Approved anti-theft device installation discount
  • Premium discounts for vehicles that are designed for handicapped, blind, or mentally-challenged people
  1. What are the add-on covers for motor insurance that I can buy from Universal Sompo?

The following add-on covers are provided by Universal Sompo to supplement a comprehensive motor insurance policy:

  • Nil depreciation cover
  • Daily cash allowance
  • Return to invoice (RTI) cover
  • Key replacement cover
  • Accidental hospitalisation cover for the family of the owner-driver
  • Consumables cover
  • Roadside assistance cover
  • Secure towing cover
  • Engine protector cover
  • Cover for hydrostatic lock
  • NCB protector
  • Cover for loss of registration certificate or driving license
  • Insurance at manufacturer’s selling price
  • Cover for emergency transportation and hotel expenses
  • Loss of personal belongings cover
  • Extra cover for accidental injury
  • Extra cover for accidental injury compensation for the family
  • Child education support cover
  1. If my vehicle is involved in an accident do I need to report it to the police?
  2. After an accident, you will have to get in touch with the police and obtain an FIR under the following circumstances:

    • Injury to a third party
    • Theft of the insured vehicle, its parts, or accessories
    • Losses/damages to the vehicle caused by rioters, miscreants, arsonists, terrorists, etc.
    • All incidents involving commercial vehicles
  3. What happens after I notify the insurance company of a claim?
  4. After you raise a claim, a surveyor will be sent within 24 hours to inspect the vehicle. Following this, the vehicle can be repaired at a garage. In case you have opted for a network garage, the repair costs are settled directly between the insurance company and the garage. If you choose a non-cashless workshop, you will have to pay for the repairs yourself and raise a reimbursement claim. Along with the updated claim form, you will also have to submit the original repair invoice and payment receipts. The claim amount will be paid out within 7 working days of reception of the documents. The surveyor will also inspect the vehicle after the repairs.

  5. Can I raise a claim for damages that have accumulated over time?
  6. No, this is not possible. Each loss will have to be reported separately to the insurer and surveyed according to existing procedures.

Universal Sompo Motor Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • 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
  • New India Car Insurance
    "Comprehensive benefit policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from New India. I don't speak with their customer care since i don't require it. I had a claim experience which is a easy process without any tension. As per their policy, the maximum claim amount settled. Since they are providing good services i have opted this policy. They have given me a road side assistance and bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 18, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
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