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*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
Universal Sompo Car Insurance Claim
The right of policyholders to get indemnification for the expenses incurred by them in relation to their insured car due to a road accident or any other mishap is referred to as a claim.The insurer disburses the insurance claim amount based on the assessment of the damage or loss sustained and the type of policy purchased. Universal Sompo provides hassle-free and convenient claim settlements by demanding little documents and processing claims quickly.
Documents Required For Universal Sompo Car Insurance Claim Settlement
- Signed and filled claim form
- Insurance policy document
- Insurance Certificate
- Car’s Registration Certificate (RC)
- Pollution Under Control Certificate
- Original driving licence of the driver
- Estimation of repairs
- FIR (in case of fatal injuries/accidents)
How To Make A Cashless Universal Sompo Car Insurance Claim
Step 1: Intimate Claim to the Insurer
It is essential that the policyholders intimate the claim to the company immediately. For this, you can either call Universal Sompo call centre at toll-free numbers on 1800-200-4030 or on the chargeable number at 022-27639800. You can also mail the i-claim form to the Universal Sompo email@example.com.
You can download the claim intimation form online by scrolling down Universal Sompo’s homepage and clicking on the ‘claim assistance’ link present under ‘claims’ section. After that, select ‘Motor’ and download the claim form.
(Note: In case of third party death/injury or theft of the vehicle, lodging FIR must be the first step and a copy of the same needs to be submitted to the company)
Step 2: Arrangement Of A Loss Assessor By The Company
The insurer will assign a surveyor to assess the level of damage and losses caused by the insured car in the accident/mishap after the claim is successfully registered.
Step 3: Survey And Submission Of Documents
The surveyor will schedule an inspection, and the assessor will submit the report to Universal Sompo. To start the claim settlement process, you have to provide all required documents.
Step 4: Repair and Final Claim settlement
Get your car towed to the nearest Universal Sompo authorised garage where you avail the facility of cashless repair service. The towing charges are reimbursable by the insurer up to Rs 1,500. Policyholders can avail hassle-free The entire repair cost subject to the claim amount will be paid by the insurer directly to the garage. You only need to pay for deductibles - compulsory and voluntary (if opted for at the time of policy purchase).
How To Make Reimbursement Universal Sompo Car Insurance Claim
Step 1: Inform the Insurer about the mishap
The first step is informing the insurer about the accident/mishap as soon as possible. To intimate Universal Sompo about the damage suffered by your insured car, call their customer service toll-free number at 1800-200-4030 or chargeable number at 022-27639800.
You can also intimate about the claim by emailing the i-claim form available on Universal Sompo’s website at firstname.lastname@example.org.
(Note: In the case of third-party death/injury or theft of the vehicle, the first thing to do before the claim intimation is to lodge an FIR and a copy of the same must be submitted to the company)
Step 2: Inspection For Damages
Universal Sompo will assign a surveyor to assess the damage. The loss assessor will inspect and then submit the damage report to the company.
Step 3: Towing Of Vehicle
Tow the insured vehicle to your preferred garage, or request that the insurance provide for a towing service. The company will reimburse up to Rs 1,500 in towing costs. Furthermore, you must give all necessary documents to the surveyor, as well as the repair cost bills.
Step 4: Reimbursement Of Claim
Since your car is being repaired at a garage that is not part of the Universal Sompo workshop network, you must pay the garage and then file a reimbursement claim with the insurer.To initiate a reimbursement claim, submit all the documents including the original repair bills to the company. The insurer will reimburse the entitled claim amount after factoring deductibles within 7 working days of receiving the documents.
Common Claim Rejection Reasons
- Universal Sompo will not be liable to compensate for any accident occurring beyond the stated geographical location in the policy.
- When the accident was caused while the driver was under the influence of intoxicants like alcohol and drugs etc.
- When the vehicle was not being used according to the ‘Limitations as to Use’.
- If the policyholder has failed to pay the insurance premiums or the tenure of policy has expired.
- If there was no evidence to prove the occurrence of the accident or the claim was a fraudulent one with exaggerated loss description.
Universal Sompo No Claim Bonus
When you own a car insurance policy, you can make a claim to get compensation for your car damage or loss. But, even if you do not make any claim, you can still earn some benefits. If you have car insurance and drive safely while making no claims during the policy period, you may be eligible for a No Claim Bonus (NCB) bonus. It is a prize offered by an insurance company to policyholders who do not file a claim during the policy year.This benefit is provided in terms of discount while renewing the car insurance plan and accumulates with every consecutive claim free year from 20% up to maximum 50%.
The No Claim Bonus allows you to pay a discounted car insurance premium the next year based on the discount you've received, making the policy more cost-effective. Since the NCB is given to the car owner rather than the car, you can keep it even if you plan to buy a new car after selling your old one or if you switch your car insurance policy from one company to another.No Claim Bonus is applicable only on the own-damage component of your car insurance policy, which actually covers the damage done to the insured car. To secure your NCB benefit, you can select a NCB Protection Add-on Cover, which retains your bonus even if you make a claim.
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Must Read Articles before buying Universal Sompo Car Insurance
- Go through this article to take a note of the things that you should consider while buying car insurance.
- Universal Sompo is a leading firm that provides affordable and customized car insurance plans. Read to know about Universal Sompo Car Insurance plans.
- What is a PUC certificate for car? PUC stands for Pollution Under Control. A mandatory certificate of PUC is granted to a car owner. Read more.
Universal Sompo Car Insurance User Reviews
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Universal Insurance Car Insurance Claim FAQs
What information and documents are required at the time of claim intimation?The following details are required at the time of claim intimation: Your policy number Contact numbers Name of Insured policyholder Location of the accident Date and time of the accident A brief description of how the accident occurred. An estimate of the losses Place & contact details of the insured person (in case person intimating the claim is other than the policyholder)
What is the amount I need to pay during a claim settlement?Your liabilities at the time of claim settlement depend on the type of policy and add-ons purchased. However, irrespective of that you remain liable to pay for deductibles - compulsory and voluntary (if opted for at the time of purchasing the policy).
Can I track my Universal Sompo Claim?Yes, Universal Sompo allows policyholders to track their claim process. Visit the official website, scroll down on the homepage and select ‘Track Claims’ under the ‘claims’ heading. A new page with a short form will appear on the screen. Enter your Name, contact type, email id, phone number, and select the product (type of your policy) and then click on ‘Submit’. You will be able to access your claim status.
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