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 2186 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
    • HDFC Ergo Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I had a claim experience once. It was amazing experience. I was just submitted the cocuments in the dealer and they have taken care of all the things. They have given the 100% coverage value. I have started using this HDFC ergo car insurance for past 1 year. I have paid a premium amount as Rs. 40000. I never interacted with the customer care services.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Tata AIG Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with TATA AIG general insurance,i got insurance through my agency, and i am not aware about premium amount it on yearly, It is a easy process, I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from long time, i got this insurance through showroom as agent himself gave this insurance, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Reliance General Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with Reliance general insurance from last 1 year, a premium of Rs 24795 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My car insurance was offered by the Tata Showroom when I purchased a car. I have paid 24,000 rupees to purchase the policy for 2 years. They are giving bumper to bumper offer for one year and IDV for 2 years. I am happy with the service and policy. I have received the insurance papers on time.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • review Car Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a car insurance with Kotak Mahindra . The services are good. Its a one year policy. It was included on the loan so don't know the premium. I don't have any claim experience. It was taken in May 2013 and it was renewed with the third party. The policy coverage is very good. There is no bumper to bumper offer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Car Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I hold a car insurance with HDFC ERGO from last 1 year, a premium of Rs 12200 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation. My claim experience was not good, the bill amount was for Rs 40000 but they covered only Rs 26000. There was no cashless garage facility provided.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 15, 2018
    • National Insurance Car Insurance
      "Good insurance for car"
      0.5 5.0/5 "Blown Away!"
      When i purchase my car, they have provided the car insurance policy with National and they have charged me a premium amount of Rs. 14000. I have taken a one time claim. The claim experience was very good. They have given me a claim amount of Rs. 11000. The claim was fully cashless covered. I pay for the consumable items
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • New India Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My Maruthi Swift car got the insured declared value of Rs. 5 lakhs with New India company. I have comprehensive plan with bumper to bumper it covers loss, damage, accidental cover with life cover for the driver for maximum of one lakh. If we pay Rs.50 rupees extra with the premium.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 12, 2018
    • National Insurance Car Insurance
      "Good Policy for four wheeler"
      0.5 5.0/5 "Blown Away!"
      National insurance is good, I have been holding the car policy with them around one year. My car showroom person have suggested this policy, I got better insured declared vehicle. Its new car brand swift dezire with bumper to bumper protection.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 09, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The dealer have suggested the IFFCO TOKIYO car policy, I got the better IDV value for bumper to bumper zero depreciation plan. I got the policy documents on time, I had a claim once, I directly approached the dealer they taken money from the cover. But I have paid 20 to 30% of amount according to the parts which was not covered.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 05, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the card insurance where i have a good experience with this policy. I have experienced with the claim which is reimbursement and i got no complete claim. The policy coverage is for basic but the premium and the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the two wheeler policy with the UNITED INDIA INSURANCE and i am using it from past three years where i am facing with no issues with this policy. I have no claim experience added on that the premium and also the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • Reliance General Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      When I purchased a car, the showroom has offered me a car insurance with Reliance. I have paid 12,000 rupees for this policy. The customer support is excellent. The claim experience is excellent and have applied for accidental claim, It was approved within few more days, zero depreciation was provided, All items been replaced of the car.The policy coverage is good, bumper to bumper offer is available. Every year am renewing my insurance only with RELIANCE.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have compared in online for car insurance and gone for HDFC Ergo. The top one is Reliance and HDFC, though reliance is providing more benefits since I know HDFC is very well so opted for HDFC Ergo. It is a easy process. No claim gone till now. I have paid 12K to purchase and bumper to bumper offer is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 02, 2018
    • Liberty Car Insurance
      "Hopeless company"
      0.5 1.0/5 "Really Bad"
      They have literally detrayed me when i apply for a claim. There are some issue with the policy documents itself. When I met with an accident they said they will process the claim. After 3 days they said there is an issue with the policy. I called the customer care service but no one was picked up the call. After 4 days, they have issued the new policy and i got the car after 7 working days only from the garages.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Superb Policy"
      0.5 5.0/5 "Blown Away!"
      I selected Bajaj Allianz for my car. I chosen the company because of the lower premium rates. They have sent all my documents to my residential address. They do have regular follow up with the customer regarding the car insurance. I never had any issues with this policy. I pay the premium amount of Rs. 6300 and i have not availed the bumper to bumper facility. They have provided me the no claim bonus upto 50%.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 01, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance policy with HDFC ERGO from last 1 year, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance policy with Bajaj Allianz and i have taken this policy for 2 years. A premium of Rs 17000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , nellore
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO from last 1 year and it is a good insurance policy. I pay a premium of Rs 5000 for this car insurance policy. I have no claim experience so far with this car insurance policy. This policy covers only bumper to bumper damage.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 31, 2018
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