Universal Sompo Car Insurance FAQs

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.

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.

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)

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.

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.

Yes, Universal Sompo does arrange for a representative in a court of law in case of death of a third party.

To get coverage for the legal liabilities of death or physical injury of a paid driver you need to opt for a paid driver add-on cover against an extra premium.

Yes, as the Indian Motor Tariff it is mandatory for every car owner to purchase at least a third party liability only policy for his/her car.

Yes, you can choose the claim in which you want to avail the benefit of the zero depreciation cover.

The premium for the zero depreciation add-on cover is not fixed as it depends on certain factors like the age, model and IDV, etc of your vehicle.

You will only be required to pay the necessary deductibles and the liabilities on your part.

Yes, however, the zero depreciation add-on benefits will be available to you only on a partial basis if your car in more than 5 years old. You will receive zero depreciation benefits only for Tyres/Tubes/Battery/Air bags/Fibre glass parts of the vehicle that are above 5 years of age and not above 7 years.

Yes, you can. Universal Sompo has recently announced they have activated Paytm platform for their Motor and Health insurance policy renewals.

Policyholders can renew their policy online only if their existing policy expiry date is within 45 days from the current date.

You can still renew your policy within 90 days of the last renewal date. In such a case, you will be required to get an inspection of your car done by the insurer.

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)

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).

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.

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.

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

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.

You can buy Universal Sompo car insurance online through their official website or through insurance aggregators like InsuranceDekho by providing your car details, choosing the coverage, and completing the payment process.

Universal Sompo offers third-party liability coverage, comprehensive coverage, and a range of add-ons like zero depreciation, engine protect, and roadside assistance for enhanced protection.

Renew your policy online on Universal Sompo’s website or via InsuranceDekho by entering your policy details, reviewing the renewal terms, and making the payment.

Yes, you can transfer your Universal Sompo car insurance policy to the new owner. Inform Universal Sompo and provide the necessary transfer documentation.

To file a claim, notify Universal Sompo immediately after an incident, submit the required documents, and follow their guided claim process.

General exclusions include wear and tear, mechanical/electrical breakdowns, damages under the influence of intoxicants, driving without a valid license, and damages due to illegal activities.

Claim settlement time varies, but Universal Sompo aims to process claims efficiently. The exact time can depend on the complexity of the claim.

Universal Sompo offers various discounts, including a No Claim Bonus for claim-free years and discounts for installing anti-theft devices.

Universal Sompo can be contacted through their customer support phone number, email, or via their official website. They may also provide support through live chat.

Yes, you can usually request modifications or cancellation of your policy online through Universal Sompo’s website or by contacting their customer support.

Any person, who has bought a third party car insurance plan is eligible to purchase an own damage cover to protect their own car against any damages caused due to accident, theft, etc.

The premium calculation for Universal Sompo Own Damage Insurance Plan takes place based on factors like vehicle type, car age, engine cc, geographical zone, etc.

No, it is not mandatory to insure your car with an own damage insurance plan in order to legally drive your car on public roads.

Universal Sompo own damage car insurance plan offers protection to the policyholder against damage or losses caused to their own car because of any accident, theft, etc.

Universal Sompo majorly offers three types of car insurance plans i.e. third party car insurance plan, comprehensive car insurance plan and standalone own damage car insurance plan.