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Universal Sompo Car Insurance

216 reviews Rate This
    Network Garages3,500+
    Claim Settlement Ratio90.78%
    Emergency AssistanceAvailable 24/7
    Policies Issued12 lakh+ in FY19
    Claim ProcessDigitally Enabled
    Presence86+ branches

    About Universal Sompo General Insurance

    Universal Sompo General Insurance Company is a private-public joint venture. It is the first of its kind and the venture is comprised of two nationalised banks - Indian Overseas Bank and Allahabad Bank, one private bank - Karnataka Bank, an FMCG company Dabur Investment Corporation and the well-known Japan-based insurance firm Sompo Japan Nipponkoa Insurance Incorporation. The company offers around 135 IRDAI approved products across India that includes reliable car insurance plans.

    As on March 31, 2016, the company has rendered over 1.6 million insurance policies and has settled more than 1.1 lakh insurance claims. Since the commencement of its operations in 2007, Universal Sompo General Insurance Company has grown well, gaining popularity for delivering customer-oriented car insurance products. Universal Sompo General Insurance features an active network composed of 113 Branches and 17 Zonal Offices. The company claims that its car insurance products are developed based on personalisation and flexibility. Apart from car insurance policies, the company offers policies for health insurance, business insurance, travel insurance, home insurance, and two-wheeler insurance. Furthermore, the company has a praiseworthy after-sale service which helps it keep its car insurance customers satisfied and happy.

    Universal Sompo Car Insurance

    When it comes to car insurance, Universal Sompo General Insurance offers two types of car insurance plans that comprise a third party car insurance policy and a comprehensive car insurance policy. The former is the basic and compulsory car insurance policy to be carried by every policyholder while driving, which covers your financial liabilities towards a third party arising after an accident with the involvement of the insurer car, while the latter is a policy which is designed to protect the insured as well as his or her car from financial losses and damages after an accident or any mishap such as theft, fire, natural calamity or man-made calamity.

    However, to enhance the car insurance policy coverage, one can purchase add-on cover(s), by paying a little extra premium amount, offered by the insurance company to ensure all-round safety when hitting the road. The add-on covers provided by the insurer are nil depreciation cover, return to invoice cover, daily cash allowance cover, key replacement cover, roadside assistance and so on. In addition to these offerings, policyholders can also achieve No Claim Bonus as a reward of completing a policy year without making any claim on their own-damage premium, which they can avail during the renewal of the policy. This discount may accumulate with every claim-free year and range from 20% to maximum of 50%.

    Significant Points of Universal Sompo Car Insurance



    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 15 Lakh for the Owner-Driver

    Add-on Covers

    8 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

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    Benefits of Universal Sompo Car Insurance

    • Possess authentic and prestigious certifications
    • Allows its policyholders to raise unlimited claims
    • Provides third party as well as comprehensive plan
    • Holds a strong network of more than 3,500 garages
    • 24x7 emergency assistance is provided to policyholders
    • Robust customer support system to resolve their queries

    502 Universal Sompo Cashless Garages in India

    Must Read Articles before buying Universal Sompo Car Insurance

    Universal Sompo Car Insurance User Reviews

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    • Helpful chatbox

      I wanted to know which policy should I opt for my Skoda Rapid car. The chatbox available on the InsuranceDekho...

      Read More
      By Shubham Jain
      On: October 19, 2021
    • Premium calculator

      The premium calculator available on the InsuranceDekho has made complicated policy premium calculation quite s...

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      By Gaurav Jain
      On: October 14, 2021
    • Paperless policy issuance

      I have purchased a Universal Sompo car insurance policy for my Nissan Micra car with the help of a paperless d...

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      By Rashmi Nigam
      On: October 12, 2021
    • Stress-free plan issuance

      At InsuranceDekho, I could easily search and select a policy for my Ford Freestyle car. Only by entering the r...

      Read More
      By Bijendra Negi
      On: October 7, 2021
    • Compare and buy

      Comparison between plans become very convenient at InsuranceDekho platform that helped me choose and buy a Uni...

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      By Karan Chopra
      On: October 5, 2021
    • best car insurance

      Quite fast and hassle free. Instant payment of premium and get your policy with a click. Cashless garages list...

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      Maruti Swift Guwahati
      By Biran Brahma
      On: October 5, 2021
    • Active customer care

      I have a Universal Sompo car insurance policy for my Volkswagen Phaeton car. I was facing a few issues lately ...

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      By Jhalak Jain
      On: September 30, 2021
    • Multiple payment options

      InsuranceDekho has many payment methods to provide its customers. This is a convenient feature that allowed me...

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      By Harsh Banduni
      On: September 28, 2021
    • Easy to renew policy

      I purchased a Universal Sompo car insurance from InsuranceDekho portal last year to insure my Volkswagen Beetl...

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      By Ashish Awasthi
      On: September 24, 2021
    • Simple payment options

      The payment gateways at the InsuranceDekho platform are really very simple. The payment gateway allows multipl...

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      By Praveen Rao
      On: September 22, 2021

    Universal Sompo Car Insurance FAQs

    • Is it mandatory to purchase a car insurance policy?

      Yes, it is compulsory to insure your car against at least third party liabilities as per the Motor Vehicles Tariff, 2002. It means a car owner has to own at least a third party insurance cover while driving a car otherwise he or she might be imposed with a fine of Rs. 2,000 and/or imprisonment of up to 3 months.

    • How can I buy a car insurance plan from Universal Sompo company?

      You can purchase a car insurance policy from Universal Sompo General Insurance in different ways. The first one is the traditional way where you can directly visit the branch and purchase it. The second method is an online mode where you can purchase a car insurance cover online through the website of Universal Sompo. Lastly, you can also get in touch with the support executives of Universal Sompo General Insurance by calling their toll-free number and they will help you in buying the policy.

    • What documents do I need at the time of claim filing?

      When it comes to filing a car insurance claim, you require to keep the following documents handy:

      • Valid Driving Licence of Car
      • Car Insurance policy document
      • Car’s Registration Certificate (RC)
      • Pollution Under Control Certificate (PUC)
    • How can I get cashless repair service for my car?

      Universal Sompo General Insurance offers cashless repair services to its policyholders at its network garages. The policyholders of the insurance company can get the repair and replacement service at any of the 3,500+ network garages of the insurance company spread all around the country. The claims at these authorized workshops are completely cashless due to which customers have to pay nothing apart from deductibles for repair costs.

    • Is there any way to change details in my existing car insurance policy?

      You can modify your details in your existing car insurance policy by raising an endorsement request with your insurance company. You can connect with them through call, email or online mode. However, you can also visit the nearest branch of the Universal Sompo to get the changes done to your existing policy.

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