Motor Insurance Policy
Get Motor Insurance Now Starting Only @Rs.2072/Year*
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I want to buy Motor Private Car Insurance for
Plan Highlights
- Provision for no claims bonus for claims free experience
- Extra protection with customized add-ons
- Personal accident cover
- Injuries/Death of a third-party person
- Number of cashless repair facilities.
- 24*7 customer support.
94%Claim Settlement Ratio
is 94% for FY 23-24
I want to buy Two-Wheeler Insurance for
Plan Highlights
- Provision for no claims bonus for claims free experience
- Discount for opting higher voluntary excess
- Number of cashless repair facilities.
- 24*7 customer support.
94%Claim Settlement Ratio
is 94% for FY 23-24
What is Motor Insurance?
Motor insurance is a contract between you and an insurance provider. The insurer agrees to compensate you for damages or losses involving your vehicle. When choosing the best motor insurance policy in India, Universal Sompo offers a comprehensive motor insurance policy that provides coverage for various risks and a host of additional benefits.
You can choose among the following types of motor insurance
01.
Third-party liability insurance
This minimum Motor coverage covers the financial loss as per motor vehicle act if any third party including death, bodily injury and property damage. The Motor Vehicles Act of 1988 mandates this insurance for every vehicle owner in India.
02.
Comprehensive insurance
This provides broader coverage, including third-party liability insurance and coverage for your vehicle’s damage or loss due to accidents, theft, natural disasters, and other risks.
03.
Stand-Alone Own Damage (SAOD)
This insurance covers your vehicle’s damage or loss such as accidental damages, burglary, fire, theft and natural disasters which is ideal for older vehicles. This policy does not include liability for third parties.
You can easily buy and renew motor insurance online, which allows you to compare various policies and select the one according to your needs. Regardless of whether you opt for vehicle insurance online or offline, you get coverage against various risks.
Types of Motor Insurance?
Choosing the correct type of motor insurance ensures your vehicle and finances are protected in every possible scenario. At Universal Sompo, you can explore various options to find the best motor insurance policy in India that fits your vehicle usage, preferences, and legal obligations.
| Types of Motor Insurance | Definition | Features | Best Suited For |
|---|---|---|---|
| Third-Party Motor Insurance | This is the most basic and legally mandatory form of motor insurance coverage under Indian law. | Covers legal liabilities arising from injury, death, or property damage to third parties. Does not cover damages to your vehicle. Affordable and ideal for low-risk users. | Budget-conscious drivers or those using vehicles infrequently. |
| Comprehensive Motor Insurance | A comprehensive motor insurance policy offers more extensive protection compared to third-party cover. | It covers third-party liabilities and damage (OD) to your insured vehicle. Includes protection against theft, fire, natural disasters, vandalism, and man-made events. Optional add-ons like zero depreciation, engine protector, etc. | New vehicle owners, frequent travellers, or anyone looking for complete coverage. |
| Standalone Own Damage (OD) Insurance | This policy protects against damages to your vehicle and is available only if you already have third-party cover in place. | Covers damage to the insured vehicle due to accidents, theft, fire, natural calamities, etc. Does not include third-party liability. Can be customised with add-ons. | People who are looking to enhance their third-party cover with OD protection. |
| Commercial Motor Insurance | Designed for vehicles used for business purposes, such as trucks, taxis, delivery vans, and buses. | Covers damages to the commercial vehicle and third-party liabilities. Ensures business continuity by reducing downtime Options for single or fleet vehicle insurance policies. | Business owners with one or more commercial vehicles. |
Each motor vehicle insurance policy has benefits and limitations. Whether you opt for third-party motor insurance or a full-featured comprehensive motor insurance plan, compare options before buying motor insurance online. Universal Sompo makes accessing reliable motor insurance online easy with flexible premiums and extensive coverage options.
Why Universal Sompo?
Our Shareholders
Features Of Motor Insurance
Unique Add-ons
You can personalize your motor insurance policy by adding special add-ons and riders for extra protection. With Universal Sompo, you can customize your car insurance policy by adding one or more of these riders: Depreciation Waiver, Roadside Assistance Cover, Return to Invoice, Cost of Consumables Key Replacement Clause, Engine Protector, Tyre and Rim Secure, Loss of Personal Belongings Clause, Accidental Hospitalization Clause for Family, Hospital Daily Cash, Daily Cash Allowance Benefit, Secure Towing, Wrong Fuel Cover, Loss of Driving License or Registration Certification, Additional Expense Coverage Show MoreShow Less
Cashless Garage
Universal Sompo offers cashless repairs at a network of authorized garages. You don’t need to worry about paying upfront when your vehicle requires repairs. You just need to show your car insurance policy online, and the insurer will handle the payments directly with the garage. It simplifies the repair process and saves you from arranging money. Show MoreShow Less
NCB Transfer
If you haven’t made any claims on your policy, you earn a No Claim Bonus (NCB). It reduces your motor insurance premium during motor insurance renewal. When switching providers or renewing motor insurance online, you can transfer this bonus to your new motor insurance policy and save on your premium. Show MoreShow Less
Personalized Plans
Every driver has some unique requirements, and so should every motor insurance policy. Universal Sompo offers customizable plans to meet your needs. Whether you need more comprehensive coverage or just basic protection, you can choose a car insurance plan that works for you. Show MoreShow Less
Benefits of Buying Motor Insurance
Whether you’re a daily commuter, a family car owner, or a fleet manager, Universal Sompo’s motor insurance delivers real-life value beyond legal compliance.
Legal Compliance Made Easy
Stay road-legal with mandatory third-party cover, reducing your risk of fines, penalties, or legal action.
Financial Protection in Critical Situations
Your policy cushions major repair and replacement costs, preventing significant out-of-pocket expenses from accidents, theft, fire, or natural calamities.
Peace of Mind in Emergencies
With 24/7 customer support, a vast cashless garage network, and emergency add-ons like Roadside Assistance, you’re never alone in a crisis.
Rewarding Safe Driving
Enjoy lower premiums over time through No Claim Bonus (NCB) accumulation—up to 50% savings for claim-free years.
Tailored to Your Needs
Customisable policies ensure that whether you drive a new sedan or operate a commercial truck, you get the coverage that fits your usage and risk profile.
Convenient and Time-Saving
Buy or renew your policy in minutes with Universal Sompo’s paperless online process—no agents or branch visits needed.
Why You Should
Buy Car Insurance From Us?
Affordable Premium
13,500+ Cashless Garages
Useful Add-On Covers
24/7
Assistance
Motor Insurance Inclusions & Exclusions
Understanding what’s covered and what’s not in your motor insurance policy is essential before you buy motor insurance online. Let’s break down the inclusions and exclusions to give you an idea.
Third Party legal liability
This covers damages or injuries caused to a third party by your vehicle. It is a mandatory component in any motor insurance policy in India.
Personal Accident cover
Your motor insurance policy covers injuries sustained by the driver in case of an accident. This way, the medical expenses or compensation for injury are taken care of.
Natural Disasters
Floods, earthquakes, or cyclones can damage your vehicles. A comprehensive car insurance policy covers the cost of repairing such damages.
Man-made disasters
Riots, strikes, or vandalism can also damage your vehicle. A motor insurance policy will also ensure it financially protects you in these situations.
Wear and tear damages
Your motor insurance policy does not cover the natural wear and tear or aging of the vehicle.
Loss/damage due to war/nuclear risks
If your vehicle is damaged because of war or nuclear risks, your motor insurance policy will not cover the costs.
Damage/loss outside geographical area
Coverage is limited to the geographical area mentioned in the policy. Any damage outside this area is excluded.
Loss of damage due to wilful act
If damage is due to intentional actions, your motor insurance policy will not cover the cost.
Add on covers in Motor Insurance
Add-ons in a motor insurance policy are optional features that you can purchase to enhance your coverage beyond the standard motor insurance policy. These additional riders provide coverage for damages not included in the basic policy.
Depreciation waiver
This add-on allows you to claim the full value of parts replaced during repairs without depreciation being deducted. If you have to file a motor insurance claim for damages, this add-on can save you from paying for the depreciated cost of parts.
Preferred Garage Network
With this add-on, you can get repairs done at specific garages where you enjoy faster service and cashless claims. It adds convenience to buy motor insurance online.
NCB Protector
If you’ve accumulated a No Claim Bonus (NCB) over the years, a single claim can cause you to lose this benefit. However, with an NCB protector, you can file a claim without affecting your bonus, lowering your four-wheeler insurance premium during motor insurance renewal.
Engine Protector
Engine damage can be costly to repair, especially in the case of waterlogging or oil leaks. With the engine protector add-on, your motor insurance policy online covers these costs, ensuring your car's engine is fully protected.
Why should you buy Motor Insurance?
Legal Requirement
In India, having at least a third-party motor insurance is mandatory under the Motor Vehicles Act of 1988. Driving without it can result in hefty fines or even imprisonment.
Protection Against Financial Loss
Accidents happen at times, and the cost of repairs can be substantial. Comprehensive motor insurance covers not only third-party damages but also damage to your own vehicle because of accident s, natural disasters, theft, or vandalism.
Personal Accident Cover
Motor insurance includes personal accident cover for the owner-driver. This provides compensation in case of injury or death due to an accident.
Protection Against Natural and Man-Made Disasters
Motor insurance policy can cover the repair or replacement costs of damages caused by
Natural calamities such as floods, earthquakes, and cyclones
Man-made disasters such as riots, strikes, or acts of terrorism
Coverage for Third-Party Liability
If you cause an accident that results in injury or damage to someone else’s property, third-party liability insurance covers the cost. It is extremely important in cases where the injured party requires extensive medical treatment or their property is severely damaged.
No Claim Bonus (NCB)
Insurance providers offer a No Claim Bonus as a reward for not making any motor insurance claims during the policy period. These discounts on premium renewals help you save money in the long run.
Peace of mind
In the event of an accident, you won’t have to worry about the financial implications, as your insurance policy will handle the bulk of the expenses. This allows you to focus on your recovery or on resolving the situation without the added worry of financial strain.
Add-On Covers for Enhanced Protection
A motor insurance policy offers add-on covers such as roadside assistance, engine protection, zero depreciation cover, and more. These add-ons provide an extra layer of security and convenience.
How to Buy
Motor Insurance Online?
Buying motor insurance online has never been easier. With Universal Sompo General Insurance, you can secure your vehicle with just a few clicks—no long queues, no paperwork, no agents. Whether buying a new motor insurance policy or switching providers, the process is fast and fully digital.
Here’s a step-by-step guide to help you buy motor insurance online:
01.
Visit the Official WebsiteGo to www.universalsompo.com and click on the “Motor Insurance” tab. You can also access dedicated options for private cars, two-wheelers, and commercial vehicles.
02.
Enter Vehicle DetailsInput your vehicle registration number, make, model, fuel type, and variant. If you're purchasing a new motor insurance policy, select the “New Vehicle” option.
03.
Choose the Type of CoverageSelect from third-party motor insurance or comprehensive motor insurance. Comprehensive plans offer broader protection, including own-damage, personal accident, and optional add-ons.
04.
Customise with Add-onsEnhance your motor insurance policy online by selecting optional covers like depreciation waiver, engine protector, or NCB protector based on your usage and preferences.
05.
Review the PremiumUse the calculator to estimate your motor insurance premiums. Adjust coverage or add-ons to fit your budget.
06.
Fill in Personal DetailsProvide policyholder details, including name, contact number, email ID, and address. Ensure accuracy for hassle-free communication and claim servicing.
07.
Make a Secure PaymentYou can pay securely using net banking, UPI, credit/debit card, or digital wallets. Once payment is successful, you’ll receive your policy instantly via email.
Quick Buying Checklist
Assess Your Needs
Based on your vehicle's usage and value, choose between third-party, comprehensive, or own-damage coverage.
Compare Coverage
Look beyond price—check for add-ons, claim process, and network garages.
Pick the Right IDV
Set an Insured Declared Value that balances protection and premium affordability.
Check Insurer Reputation
Review claim settlement ratios and customer support responsiveness.
Add Relevant Add-ons
Select only those that match your location, risk profile, or usage pattern.
Buying motor insurance online with Universal Sompo ensures transparency, speed, and complete control over your policy. Whether you drive a car, ride a bike, or own a commercial vehicle, you're insured anytime, anywhere.
Documents Required to
Buy Motor Insurance Online
Purchasing motor insurance online is fast, paperless, and efficient. However, to ensure a seamless process, it’s essential to keep the following documents ready:
Vehicle Registration Certificate (RC)
Required to verify vehicle ownership and details like registration number, make, model, and chassis number.
Valid Driving License
Confirms the policyholder is legally permitted to drive the vehicle
Previous Insurance Policy (if applicable)
New renewals or switching insurers are needed to verify No Claim Bonus and claim history.
Pollution Under Control (PUC) Certificate
This certificate validates that the vehicle meets emission norms and is usually required at renewal.
Invoice or Purchase Proof (for new vehicles)
Used to assess the value and age of the vehicle for first-time policy issuance.
Identity and Address Proof
Documents like Aadhaar, PAN, or Passport may be required for verification, especially in offline or assisted journeys.
Passport-size Photograph (occasionally required)
Some insurers may request a photo for record-keeping.
By keeping these documents ready, you can easily navigate the online application forms on Universal Sompo’s website and complete your motor insurance purchase within minutes. The digital submission of these documents ensures a paperless experience, faster processing, and instant policy issuance.
How to Renew
Motor Insurance Online?
Renewing your motor insurance policy on time is crucial to ensuring continuous coverage, avoiding penalties, and complying with legal requirements. With digital transformation, Universal Sompo has simplified the motor insurance renewal process, making it quick, transparent, and paperless through its online platform.
Here’s a step-by-step guide on how to renew motor insurance online with Universal Sompo:
01.
Visit the Universal Sompo Motor Insurance Renewal PageGo to the official Universal Sompo Motor Insurance renewal page. This page provides detailed information and an easy-to-use portal to start your renewal.
02.
Enter Vehicle DetailsYou will be prompted to enter your vehicle registration number or policy number. This helps the system fetch your policy details to initiate renewal.
03.
Review Existing Policy and CoverageOnce your details are retrieved, review the current policy coverage, expiry date, and no-claim bonus status. You can also check the premium amount for renewal.
04.
Customise Your Renewal PolicyYou can choose whether to continue the existing coverage or enhance your protection with add-on covers like Depreciation Waiver, NCB Protector, Engine Protector, or Preferred Garage Network. Adding these options during renewal can improve your coverage without hassle.
05.
Make Payment OnlineAfter finalising your coverage, proceed to the payment gateway. Universal Sompo offers secure payment methods, including net banking, credit/debit cards, UPI, and wallets. Choose the one most convenient for you.
06.
Receive Policy DocumentsAfter successful payment, you will receive your renewed motor insurance policy documents instantly via email. You can download a copy of the policy from your Universal Sompo account dashboard anytime.
Benefits of Renewing
Motor Insurance Online with Universal Sompo
Convenience
Renew anytime and anywhere without visiting the office or sending physical documents.
Time-Saving
Instant policy issuance saves you from last-minute rushes and coverage gaps.
Cost-Effective
Online renewals often come with attractive discounts and offers.
Renewal Reminders
Universal Sompo sends timely email and SMS alerts to remind you before your policy expires.
Hassle-Free Claims
Policy continuity ensures you remain covered in case of any eventuality
Tips for Motor Insurance Renewal
Renew on Time
Initiate renewal at least 15 days before expiry to avoid penalties and NCB loss
Review Existing Coverage
Adjust IDV or add/remove covers based on current needs.
Claim History Accuracy
Disclose claims honestly to ensure smooth processing.
PUC & License Validity
Keep your PUC certificate and driving license updated.
Utilise NCB
Ensure your No Claim Bonus is applied to save on renewal premiums.
By following these steps and tips, renewing your motor insurance with Universal Sompo becomes a seamless process that keeps your vehicle protected year after year.
Why should you buy Motor Insurance?
Legal Requirement
In India, having at least a third-party motor insurance is mandatory under the Motor Vehicles Act of 1988. Driving without it can result in hefty fines or even imprisonment.
Protection Against Financial Loss
Accidents happen at times, and the cost of repairs can be substantial. Comprehensive motor insurance covers not only third-party damages but also damage to your own vehicle because of accident s, natural disasters, theft, or vandalism.
Personal Accident Cover
Motor insurance includes personal accident cover for the owner-driver. This provides compensation in case of injury or death due to an accident.
Protection Against Natural and Man-Made Disasters
Motor insurance policy can cover the repair or replacement costs of damages caused by
Natural calamities such as floods, earthquakes, and cyclones
Man-made disasters such as riots, strikes, or acts of terrorism
Coverage for Third-Party Liability
If you cause an accident that results in injury or damage to someone else’s property, third-party liability insurance covers the cost. It is extremely important in cases where the injured party requires extensive medical treatment or their property is severely damaged.
No Claim Bonus (NCB)
Insurance providers offer a No Claim Bonus as a reward for not making any motor insurance claims during the policy period. These discounts on premium renewals help you save money in the long run.
Peace of mind
In the event of an accident, you won’t have to worry about the financial implications, as your insurance policy will handle the bulk of the expenses. This allows you to focus on your recovery or on resolving the situation without the added worry of financial strain.
Add-On Covers for Enhanced Protection
A motor insurance policy offers add-on covers such as roadside assistance, engine protection, zero depreciation cover, and more. These add-ons provide an extra layer of security and convenience.
Want to know More?
Get all your policy related details on your fingertips.
TP Premium Rates Ensure a happy journey every time you ride Be ALERT, SAFE and INSURED.
Private Car Care
- The policy includes loss or damage to the covered vehicle.
- It covers liability for physical injury & property damage caused by an accident to third party.
- The policy makes it compulsory to cover personal accidents for vehicle driver.
Ensure a happy journey every time you ride Be ALERT, SAFE and INSURED.
Renew Insurance
- Ensure your NCB discount is continual.
- It covers liability for physical injury & property damage caused by an accident to third party.
- Avoid lapse of No Claim Bonus (NCB).
- Avoid any additional expense after policy lapse.
- Renew your expired insurance to avoid any financial burden.
Ensure a happy journey every time you ride Be ALERT, SAFE and INSURED.
Minimizing Risk
- Use Seatbelt while driving.
- Avoid using cell phones while driving.
- Avoid Over speeding / Red Light Jumping.
- Avoid drinking and driving.
- Avoid parking on roads prone to floods or water logging.
- Do not drive in waterlogged area.
- Avoid parking under a tree.
- Adjust mirrors while driving
Get Claim in 3 Easy Steps
1Intimation
Paperless Intimation of claims. We are available 24*7
2Surveyor Appointment
A surveyor will be assigned to help with your vehicle assesment.
3Claim assessment and settlement
Sit back and relax while we assess and settle your claim with the network garage.