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

     4.5 / 5.0   by 2081 users
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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
    • ICICI Lombard Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. A premium of Rs 7000 has to be paid every year for this insurance policy. They cover bumper to bumper damage and i had no claim experience so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 20, 2018
    • HDFC Ergo Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I got Car insurance from Hdfc ergo As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it every 2 years through on-line banking
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Bajaj Allainz Car insurance policy for a while now. I have a paid a premium of 15000 per year, the premium will be lowered after 1 year. They also offered a fair IDV value for my car. I've claimed this policy once and the whole claim process was easy and hassle free.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 16, 2018
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a Car Insurance policy with the IFFCO Tokyo. I am paying a premium of 30000 Per year, they also offered a fair IDV value for my car. The policy has got roadside assistance and cashless garage facility as well. I've claimed the policy twice. It was very fast and they precessed the claims with out any hassle.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a Car insurance with ICICI lombard from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10500 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Tata Aig Car insurance. I pay a premium of 15000 per year. They have also offered me a fair IDV value for my car. I never had any issues with the their services. Overall I never had any issues with the car insurance policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 01, 2018
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