Comprehensive Policy Universal Sompo Motor Insurance

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Policy Brochure

Policy Wordings

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For many of us, our vehicles aren't just our modes of commute or another machine, but much more than that. This is how you get to work, go on a vacation, or even take a relaxing breather. It is personal and always there as your partner in daily chaos and happiness. Now imagine it getting bumped or scratched. The damage isn't simply financial, but emotional too. And the bills? Bigger. Here comes a comprehensive motor policy.

Universal Sompo Motor Insurance Comprehensive Policy ensures that you do not have a policy just for legal compliance, but much more. It offers a financial shield against unforeseen circumstances. From dents and repairs of your own car to cover expenses in case of third-party liabilities, it has got you covered.

Highlights of Comprehensive Policy Universal Sompo Motor Insurance

Claim settlement Ratio – 98.87%

NCB – Available, starts at 20%, up to 50% (maximum

Network Garage – 11300+

Road Side Assistance – Available

Affordable premiums to ensure coverage for varied budgets.

Pan-India presence with a network of 13,500+ cashless garages.

24/7 assistance is available all around the clock to help you.

Easy accessibility with a quick claim process

Get all your insurance related queries answered

Pros & Cons of Comprehensive Policy Universal Sompo Motor Insurance

It allows quick claim process for hassle-free claim settlement

The company works with a customer first approach

They serve customers with their PAN India Presence and network garages

They offer 27*7 assistance to customers with a strong base of support team

The insurer presents a range of add-on features which can be availed to enhance policy

The policy doesn’t cover any accidents outside the geographical area of the insurer

It doesn’t cover any consequential losses including the regular wear and tear

If the driver is driving without valid license at the time of a mishap, it does not cover the damages under the plan

Similarly, if you are driving under the influence of alcohol or drugs and cause a damage to your car in that state, it will not be covered under the plan

If the vehicle is not used as per defined limitations, which led to a damage it is not covered under the policy

Quick Answers to all Motor Insurance Questions

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Universal Sompo
Motor Insurance Company

Universal Sompo is a leading name in the category of general insurance companies in India. The corporation was formed as a joint venture of Karnataka Bank, Indian Overseas Bank, Indian Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc., a leading general insurance company of Japan. The insurer offers wide-ranging products in the health, motor and commercial insurance categories to cover customers in retail, SME, rural and corporate segments.

Founded In

2007

Claim Incurred Ratio

83.46%

Turnover (GWP)

INR 1,819.12+ Crore

JV Partners

Indian Bank, Indian Overseas Bank, Dabur Investment Corporation, Karnataka Bank Limited & Sompo Japan Insurance Inc.

Claims Experience

Claims Experience Rating 4.7

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

98.87%

Network Garage –

11300+

Benefits of Comprehensive Policy Universal Sompo Motor Insurance


24/7 assistance	Available
Presence	PAN India presence
Priority	Customer-first approach
Own Car Damages	Coverage available
Convenient Repairs	Easy and quick repairs
Wide Network Garages	Available for cashless repairs
Easy Claim Settlement	Fast and hassle-free
Add-on covers	Available
NCB benefits	For every claim-free year

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You can get a duplicate policy document in case you lose the original copy by visiting your nearest branch of the insurer with a written application. You may have to pay a nominal fee as well.

It can be done by raising an endorsement request with the insurer via online means or by call, email or visiting the nearest branch of the insurer.

You can get the cashless repair services at any of the 3500+ network garages of the insurer that are spread all across India.

To file a car insurance claim, you need the following documents: Valid Driving Licence Insurance policy Registration Certificate (RC) Pollution Under Control Certificate (PUC)

Yes, you can buy a motor insurance plan from Universal Sompo online through the official website of the company.

To file a motor insurance claim, you need certain documents in handy. This includes:
The claim form

Registration certificate of your vehicle
Policy document
Driving license
Repair bills from an authorised garage
FIR in case of accidents or theft

The comprehensive motor insurance covers vehicle accessories only if they are specifically mentioned in the policy. However, you may choose from a variety of riders, like accessory covers or engine protectors, to protect your vehicle's accessories.

No, having a comprehensive motor insurance policy is not compulsory in India. However, with a comprehensive motor insurance plan, you ensure wider coverage against a variety of concerns for your vehicle. Not to be forgotten, having third-party liability coverage is mandatory in India, as per the Motor Vehicle Act of 1988.

Disclaimer
NCB* - The insured is entitled for a No Claim Bonus (NCB) of 20%for raising no claims during a policy year, which can go up to a maximum of 50% under the NCB policy of Universal Sompo motor insurance.

Network garage# - Universal Sompo offers hassle-free claim settlement in 3500+ network garages pan India.

(For More Information Refer to Policy Wording)