Universal Sompo Car Insurance is offered by Universal Sompo General Insurance Company Limited, providing private car owners in India with coverage against third-party liabilities, accidents, theft, and natural calamities, along with optional add-ons. Backed by a strong Indo-Japanese joint-venture heritage, the insurer focuses on customer-centric motor insurance solutions and operates under the regulatory oversight of Insurance Regulatory and Development Authority of India (IRDAI).
Universal Sompo General Insurance Company Limited was established in 2007 as a joint venture between leading Indian banks and Sompo Holdings of Japan, bringing global insurance expertise to the Indian market. The insurer is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration No. 134 and has built a strong nationwide presence across retail and commercial general insurance.
With over a decade of experience, Universal Sompo is regarded for its credibility in motor insurance, customer-focused claims service, and cashless garage network, and has received multiple industry recognitions and awards for service quality and excellence in motor insurance.
| Feature | Specification |
|---|---|
| Policy Types | Third-party liability and comprehensive car insurance |
| Cashless Garages | 13,500+ cashless garages across India |
| Zero Depreciation Cover | Unlimited zero-dep claims up to the IDV |
| Standard Claims | Unlimited normal claims during the policy period |
| Own Damage Cover | Accidents, fire, theft, natural and man-made calamities |
| Third-Party Liability | Covers injury, death, and property damage to third parties |
| Add-On Covers | Zero dep, engine protect, roadside assistance, return to invoice |
| No Claim Bonus | NCB benefits for claim-free years |
Universal Sompo car insurance comes with a range of advantages designed to make car ownership simpler and more secure:
Buy or renew your car insurance policy easily with a smooth process and minimal paperwork.
Access a wide network of certified garages across India for cashless claim settlements.
Round-the-clock assistance from trained claim specialists to guide you through every step.
Enjoy premium discounts for claim-free years across Universal Sompo motor insurance plans.
Exclusive discounts are available for specially designed or modified vehicles used by persons who are blind, differently abled, or mentally challenged.
Universal Sompo offers three types of car insurance policies to meet the varied needs of private car owners in India:
This is the mandatory policy under Indian law, covering legal liabilities arising from injury, death, or property damage caused to a third party.
Covers damages to your own car due to accidents, fire, theft, natural calamities, and man-made disasters, but does not include third-party liability.
Universal Sompo’s private car insurance is a comprehensive car insurance policy that combines both third-party liability cover and own damage protection, along with the option to enhance coverage through add-ons like zero depreciation, engine protection, and roadside assistance.
While Universal Sompo car insurance offers wide protection, certain situations and losses are not covered under the policy. These exclusions are important to keep in mind:
Driving without a valid licence or when the driver is disqualified under law
Driving under the influence of alcohol or drugs, can lead to an accident or damage
Normal wear and tear, mechanical or electrical breakdown not caused by an accident
Consequential damages, such as loss due to delay or depreciation beyond policy terms
Usage outside policy terms, including using a private car for commercial purposes
Loss or damage due to war, invasion, nuclear risks, or similar extraordinary events
Tyre and tube damage, unless accompanied by accidental damage to the insured vehicle
Add-on–specific exclusions, such as zero depreciation or engine protect conditions not being met
Claims exceeding the IDV or arising after policy expiry
Waives depreciation on replaced parts in partial loss claims under own-damage.
Available in three plans: Plan A: Applicable for every partial loss claim during the policy period, Plan B: Up to 2 partial loss claims, and Plan C: 1 partial loss claim.
Claim benefits are limited to the claim cap mentioned in the policy schedule.
Applicable in Total Loss (TL), Constructive Total Loss (CTL), or Total Theft cases.
Plan A (Extensive): Pays the difference between original invoice price and IDV, plus pro-rata road tax, registration charges, and own-damage premium (registration + road tax capped at 20% of invoice price).
Plan B (Limited): Pays the difference between ex-showroom price (after 5% depreciation) and IDV.
Available for one claim per policy period, subject to admissible own-damage claim.
Covers engine, gearbox, and differential damage due to water ingression (hydrostatic lock) or lubricant leakage caused by accidental impact.
Also pays for consumables like engine oil and gearbox oil (fuel excluded).
Maximum of three claims allowed during the policy period, with strict conditions on timely intimation and repairs.
Covers replacement costs of consumables such as nuts, bolts, engine oil, lubricants, coolant, AC gas, seals, filters, tyres, and bearings (fuel excluded).
Available plans: Plan A: Up to 2% of IDV/SI, Plan B: Up to 5% of IDV/SI, and Plan C: 100% cost of consumables.
Applicable only when the own-damage claim is admissible.
Covers repair or replacement of tyres and rims damaged due to potholes, kerbs, road debris, bulging, cuts, or bursts.
Claim settlement is based on unused tread depth, with up to 100% tyre cost payable for higher tread depth.
Rim damage (cracks, warping, misshaping) is covered for vehicles with tubeless tyres or run-flat technology.
Allows up to 4 claims per policy period.
Universal Sompo also offers a wide range of additional add-ons including Roadside Assistance, Key Replacement, Loss of Personal Belongings, NCB Protector, Daily Cash Allowance, Preferred Garage Network, Pay Less to Drive Less, Secure Towing, Emergency Hotel & Travel Expenses, EMI Protection, Battery Protect (including EVs), Electric Motor Protect, Wrong Fuel Cover, Cyber Protection, Pet Cover, Power Cable & Charger Cover, Vehicle Cyber Protection, Usage-Based “Pay How You Drive”, and Eco Depreciation Waiver.
You can find exact details here - https://www.universalsompo.com/assets/file/motor-private-car/motor-private-car-addon.pdf
You can purchase Universal Sompo Car Insurance through Coverfox online:
Visit Coverfox – Go to the Car Insurance section on the Coverfox website.
Enter vehicle details – Input your car registration number, make, model, RTO location and other basic details to get personalised quotes.
Compare plans – Review quotes from multiple insurers (including Universal Sompo’s comprehensive car insurance) and select the policy that best suits your needs.
Choose add-ons – Pick optional add-on covers (like Zero Depreciation, Engine Protect etc.) to enhance your coverage as needed.
Make payment online – Complete your purchase securely using the online payment gateway; your policy will be issued instantly and emailed to you.
Universal Sompo’s car insurance policy comes with access to a vast network of 13,500+ cashless garages across India, where you can get your vehicle repaired without paying upfront for covered damages. This network spans 1100+ cities and districts, making it easy to find authorised service centres for quick and seamless cashless claim settlements.
To locate cashless garages near you, you can use the official Universal Sompo locator: Find Universal Sompo Cashless Garages (Search by City/Pincode)
Simply enter your city or pin code on that page to see the nearest authorised garages where you can avail of cashless repair services.
1800-22-4030 (General support & inquiries)
1800-200-4030 (Alternate toll-free)
1800-267-4030 (Dedicated support for senior policyholders)
contactus@universalsompo.com (Policy queries & assistance)
contactclaims@universalsompo.com (Claims support)
Universal Sompo General Insurance Company Ltd.
Plot No. EL-94, KLS Tower, TTC Industrial Area, MIDC, Mahape,
Navi Mumbai 400710, Maharashtra, India
Yes. Universal Sompo General Insurance is an IRDAI-registered insurer (Reg. No. 134) authorised to sell car insurance in India.
It offers Third-Party Liability, Standalone Own Damage, and Comprehensive (Motor Private Car) Insurance policies.
Yes. You can avail cashless repairs at authorised network garages across India where the insurer directly settles repair bills with the garage.
Claims are typically settled within 30 days of submitting all required documents, provided there’s no need for further investigation.
Yes. You can transfer your No Claim Bonus (NCB) when switching or renewing under Universal Sompo, subject to standard conditions (renewal within allowed period).
Universal Sompo offers many add-ons like Zero Depreciation, Return to Invoice, Engine Protect, Roadside Assistance, Tyre & Rim Secure, and more to customise your coverage.
You can download your policy document from the insurer’s official “Download Policy” page by entering your details.
Yes. You can renew a lapsed policy online via Universal Sompo’s renewal portal or through brokers/aggregators within the permitted renewal period.
Call toll-free 1800-22-4030 / 1800-200-4030 for support or visit the “Contact Us” page on the insurer’s website.
Typically required documents include: claim form, policy copy, driving licence, vehicle RC, FIR (if applicable), repair receipts/estimate, and other evidence as required.
