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Universal Sompo Comprehensive Car Insurance Policy

A comprehensive car insurance policy is a recommended car insurance plan mainly because car repair costs are extremely high these days. The comprehensive car insurance policy offered by Universal Sompo General Insurance insures you against the financial liabilities of damage incurred by your car in any road accident, theft, fire, natural/man-made calamity or any other mishap. It also provides insurance coverage for all third party liabilities (both life and property) arising out of any uncertain events involving your insured car.

Universal Sompo Comprehensive Car Insurance Vs Third Party Policy

Basis

Comprehensive Car Insurance

Third Party Policy

Coverage

The comprehensive car insurance policy offers indemnification for damage incurred by the insured car and injury/death of a third party along with reimbursement of up to Rs 7.5 lakh for third party property damage.

The third party policy offers basic coverage against third party liabilities only. It offers limited/unlimited compensation for bodily injury/death of a third party and a coverage of up to Rs. 7.5 lakh for third party property damage.

Add-ons

A wide range of add-on covers such as Zero Depreciation Cover, NCB protection, Consumables Cover, etc. are available with the Universal Sompo comprehensive car insurance policy.

No add-on covers are available for purchase with the third party policy.

Cost

Comprehensive plan is comparatively expensive due to extensive coverage.

Third party only policy is comparatively cheaper as it has limited coverage.

Universal Sompo Comprehensive Car Insurance Coverage

  • Own Damage incurred by the insured car in road accidents, natural or man-made calamities, theft, fire or any other uncertain event.
  • Unlimited liability cover in case of death of a third party.
  • Unlimited/limited coverage in case of bodily injury/ permanent disability.
  • Indemnification of up to Rs 7.5 lakh for third party property damage.

Universal Sompo Comprehensive Car Insurance Benefits

  • Availability of personal accident cover of up to Rs. 15 lakh for owner-driver.
  • No Claim Bonus discounts on own-damage premiums of up to 50%.
  • Availability of 24*7 responsive customer services.
  • Customization of the coverage with the help of add-on covers.
  • Quick, digital and paperless issuance and renewal of policies.

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Universal Sompo Car Insurance User Reviews

4.8
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299 User reviews
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What users are saying
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  • Comprehensive
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  • Zero Depreciation
  • Third Party
  • Own Damage
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  • Price
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  • Good discount and multiple opt...

    Easy process to buy policy online at best prices. I am impressed by the options available and customization po...

    D
    Ford Freestyle Bhuj (Kachchh)
    By DEEPAK G RAMNANI
    On: May 21, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available...

    A
    By Ashish Batla
    On: May 18, 2023
  • Reminder feature

    The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Univers...

    L
    By Lucky Kumar
    On: March 1, 2023
  • The website has very informati...

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I...

    D
    By Dhruv Batra
    On: February 9, 2023
  • Transparent policy issuance

    While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car t...

    N
    By Nipun Rangnekar
    On: February 3, 2023
  • Helping team

    I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan b...

    V
    By Varun Gupta
    On: January 24, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available...

    P
    By Prashant Batra
    On: January 3, 2023
  • Informative website

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I r...

    N
    By Naman Gupta
    On: October 13, 2022
  • 7 days availability

    The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them ...

    N
    By Naman Batra
    On: August 24, 2022
  • Got a good plan at an affordab...

    I wanted a good car insurance plan for my BMW. Also, a plan that could fit in my budget easily. Someone sugges...

    R
    By Rajat Sharma
    On: August 16, 2022
Universal Sompo Reviews

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Insurance Products by Universal Sompo General Insurance

Universal Sompo General Insurance

Universal Sompo Comprehensive Car Insurance FAQs

  • I have lost the insurance policy, is it possible to get a duplicate one?

    Yes, you can get a duplicate policy document in case you lose the original copy. To get a duplicate copy of your insurance policy document, visit your nearest Universal Sompo branch, with a written request and pay a nominal fee.

  • What are the factors that determine the own-damage (OD) premium of a comprehensive car insurance policy?

    Following are the factors help determine the own damage premium in comprehensive car insurance: Insured Declared Value or IDV Cubic Capacity (cc) of the car RTO of registration Age of the car Voluntary deductible, (if opted) NCB

  • Will I be able to get a personal accident cover if my vehicle is registered in someone else’s name?

    Unfortunately, you cannot get a personal accident cover in such a case. In order to avail the personal accident cover for your car insurance, your car must be registered in your name. However, personal accident cover for other occupants can be purchased against additional premiums.
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