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The Company will indemnify the insured against loss or damage to the vehicle insured hereunder and / or its accessories whilst thereon by fire explosion self-ignition or lightning, burglary housebreaking or theft, riot and strike, earthquake, terrorist activity, accidental external means. Show MoreShow Less
Subject to the limits of liability the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of: death of or bodily injury to any person caused by or arising out of the use (including the loading and/or unloading) of the vehicle and damage to property caused by the use of the vehicle Show MoreShow Less
The Company undertakes to pay compensation for bodily injury/death sustained by the owner-driver of the vehicle, in direct connection with the vehicle insured or whilst mounting into/dismounting from the insured vehicle or whilst traveling in the insured vehicle as a co-driver Show MoreShow Less
Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages; nor for damage caused by overloading or strain of the insured vehicle nor for loss of or damage to accessories by burglary, housebreaking or theft unless such insured vehicle is stolen at the same time. Show MoreShow Less
No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to Intentional self-injury suicide or attempted suicide or an accident happening whilst such person is under the influence of liquor or drugs. Show MoreShow Less

Paperless Intimation of claims. We are available 24*7

A surveyor will be assigned to help with your vehicle assesment.

Sit back and relax while we assess and settle your claim with the network garage.
In June I met with an accident and damaged my bike. I immediately called my banking correspondent. And he was there with me to help till I got my bike well-repaired. On that day, I realized that I had made the right decision by opting for Universal Sompo as my insurance provider.
I am very happy with my Universal Sompo Car Insurance Policy. Recently, I met with an accident in which my car got a little damaged. But to my good fortune, the team at the Karnal branch was really helpful. My claim got processed in no time and I got assistance and proper guidance with everything.
It was a totally cashless insurance procedure in which I got my car’s rear bumper replaced along with some minor patchwork. Well done!
Special shoutout to Mr.Yashpal Singh and M/s Verma Motors, Ludhiana. Their services are truly commendable.
Impressed beyond words by the way the Universal Sompo team handled my motor insurance claim. Their dedication towards their work even during the lockdown is a shining example of dedication.
Universal Sompo representative inspected my damaged car and provided cashless settlement. The process was simple and straight-forward. I extend my best wishes to them.
(Below is the list of standard documents required, however note: Any other information as may be required on a case-by-case basis).
Motor Insurance covers damages to the insured vehicle, third-party liability, and personal injuries. Exclusions may include damage due to negligence, driving under the influence, and natural disasters unless specific add-ons are included in the policy.
Documents required for a Motor Insurance claim include the claim form, policy document, vehicle registration certificate, driving license, FIR (in case of theft or accident), and repair bills or estimate from an authorized garage.
To transfer a Motor Insurance policy, submit a request along with the required documents, such as the sale agreement or death certificate. The insurer will issue a policy transfer after verification and updating the policyholder details.
Endorsements can be used to add or remove coverage, change vehicle details, update the address, or modify the sum insured. The insurer issues an endorsement once the request is verified and approved.
NCB (No Claim Bonus) is a discount on the premium for claim-free years. To receive an NCB reserving letter, contact the insurer before policy renewal, and they will provide a confirmation letter stating your accumulated bonus.
Vehicle accessories are typically covered if explicitly included in the policy. Get extra coverage with add-ons like "engine protection" or "accessory cover" to gain aftermarket accessories to protect your car against any damage or theft.
You can renew your motor insurance policy online or via an agent. Submit the necessary details, make payment, and the insurance company will issue the renewed policy. You may also check for any discounts or add-ons during renewal.
The motor insurance premium is calculated depending on several factors such as vehicle make, model, age, location, add-ons, no-claim bonus and the type of coverage chosen. Insurance agencies may offer personalized premium calculations depending on these aspects.
Submit a written request to the insurance company along with the documents of the policy to cancel your motor insurance. Depending on the duration and usage of the policy, you may receive a pro-rata refund after subtracting administrative fees.
Contact Universal Sompo for Motor Insurance queries through their website, customer care contact number, or by visiting a branch. They provide assistance for claims, policy-related inquiries, and other support through these channels.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.
Visit your Home Branch or the Branch where you wish to transfer the account and submit the duly filled Account Transfer Form along with the KYC Documents and Board Resolution.
Your Account Transfer application will be verified by branch officials and further processing shall be done.