Comprehensive Policy Universal Sompo Motor Insurance

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

check-star Claim settlement Ratio – 98.87%
check-star NCB – Available, starts at 20%, up to 50% (maximum
check-star Network Garage – 11300+
check-star Road Side Assistance – Available
check-star Affordable premiums to ensure coverage for varied budgets.
check-star Pan-India presence with a network of 13,500+ cashless garages.
check-star 24/7 assistance is available all around the clock to help you.
check-star Easy accessibility with a quick claim process
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Pros & Cons of Comprehensive Policy Universal Sompo Motor Insurance

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It allows quick claim process for hassle-free claim settlement
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The company works with a customer first approach
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They serve customers with their PAN India Presence and network garages
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They offer 27*7 assistance to customers with a strong base of support team
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The insurer presents a range of add-on features which can be availed to enhance policy
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The policy doesn’t cover any accidents outside the geographical area of the insurer
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It doesn’t cover any consequential losses including the regular wear and tear
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If the driver is driving without valid license at the time of a mishap, it does not cover the damages under the plan
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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
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If the vehicle is not used as per defined limitations, which led to a damage it is not covered under the policy
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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
check-star Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
98.87%
check-star 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
Top Health Insurance Plans by Aditya Birla
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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.