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Universal Sompo Car insurance: Coverage, Benefits and Reviews

Universal Sompo General Insurance Co. Ltd is a public private sector company which is a joint venture between Allahabad Bank, Indian Overseas Bank, Karnataka Bank in India and Sompo Japan Insurance Inc. from Tokyo Japan. It is located in Mumbai. It offers motor, health and travel insurance.

Comprehensive Coverage

Basic Benefits

This policy covers damages to your car caused due to explosions, lightning, theft, burglary, riot, strike, malicious acts, terror attacks, earthquakes, floods, and accidental external means land or rock slide.

This policy under its comprehensive coverage offers compulsory personal accidental cover to the driver and car owner.

Optional Coverage Extensions

Loss of Accessories – It offers coverage for electrical and non-electrical accessories of your car with this cover.

Personal Accident Cover – This option provides personal accident cover to occupants of the car

Legal Liability – With this option as the name suggests it offers a legal liability to cleaner, paid driver or any workman who is specifically named in the policy.

Discounts Offered

Discounts offered under Universal Sompo comprehensive car insurance plan are as follows:

Special discounts for Automobile Association membership

Discounts for installing anti-theft devices in your car

NCB discount on subsequent renewals

Policy Exclusions

Compulsory deductible amount

Ageing, wear and tear


Damage by person without driving license

Damage to tyres and tubes

Note: All the plans mentioned below offer comprehensive coverage with exclusions and benefits mentioned above.

Portfolio of Products

Emergency Assistance Coverage

This is an add-on benefit offered under Private car insurance policy. Under this benefit on site minor repair of car, battery jump start, fuel delivery, lost/ stolen key coverage, etc. are provided within 50 km from the breakdown point up to nearest vendor (a place where possible solution is available) or city.

Nil depreciation/ Zero depreciation

This cover protects the vehicle from the depreciated or reduced value of car parts (this includes the paint, plastic parts, etc.). The depreciated value is anywhere between 5- 50% and is effective right after the car drives out of the showroom. Thus, with this add-on cover the out of pocket expenses of the insured are saved to a large extent at the time of claim.

Note: This add-on cover is available only up to 3 years from the date of first purchase.

Return to Invoice

This benefit the ensures that insured gets an invoice price in case it is stolen or has total loss due to a major accident.

Flat Tyre Support

This plan offers two add-on covers namely Zero Depreciation (available in Silver plan mentioned above) and

Loss of Use/ Down Time protection

The loss of Use/ Down Time protection benefit offers daily cash allowance up to INR 500 per day for a maximum of 5 days or 15 days depending on partial or complete loss respectively. Under this benefit, the cost of alternate transport for the period of repair or replacement of car is also covered.

Platinum Plan

This plan offers three add-on covers namely Zero depreciation, Engine and Gear box cover and No-claim bonus protection.Engine and Gearbox cover - This add-on cover offers coverage for the non-accidental of engine, its parts and/ or gearbox damage. This damage can be a result of floods, leakage of lubricating oil, etc.No-claim bonus protection - This add-on cover offers coverage for the no-claim bonus which is the premium discount which insured earns after every claim free year. Normally, the no-claim discount is lost after a single claim however, with no-claim bonus protect the no-claim discount earned is protected after one claim in a year.

Titanium Plan

This plan offers four add-on covers namely Zero depreciation, Engine and Gear box cover, No-Claim Bonus Protect and Cost of Consumables.The cost of consumables add-on cover offers coverage for expenses towards consumable items like lubricants clip, nut bolt, break oil, etc.

Claim Settlement

Cashless Garage Network - The Company has a network of around 2000+ garages.

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