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Universal Sompo Comprehensive Car Insurance Policy

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

    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.

    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *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 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.

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    20072019
    Have you made a claim in the previous year?

    Universal Sompo Car Insurance User Reviews

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    What users are saying
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    • Transparent policy issuance

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

      Read More
      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...

      Read More
      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...

      Read More
      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...

      Read More
      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 ...

      Read More
      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...

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      R
      By Rajat Sharma
      On: August 16, 2022
    • Informative website

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

      Read More
      V
      By Vinay Singh
      On: August 9, 2022
    • 7 days availability

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

      Read More
      N
      By Naman Batra
      On: July 26, 2022
    • 7 days availability

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

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      N
      By Naman Batra
      On: July 22, 2022
    • Easy car Insurance with best D...

      Good experience to purchase car insurance. It is promt and best deal is available. People can easily available...

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      R
      Maruti Alto K10 Kolkata
      By Ranajit Batabyal
      On: July 15, 2022

    1039 Universal Sompo Cashless Garages in India

    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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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.