Universal Sompo Third Party Car Insurance

Starting at only ₹6 per Day*

Car Insurance banner image
Enter your details to buy Car Insurance
By proceeding you agree to Terms & Conditions
Proceed without car number
  • compare buy
    Compare and buy at best price
  • instant policy
    Instant Policy Issuance
  • no unwanted calls
    No unwanted calls. We promise!
*T&C Apply *TP premium only

A third party insurance policy, also known as liability only policy, is a basic requirement for you to drive your car in India. It offers compensation for third party property damage and demise or bodily injuries of a third party up to INR 7.5 lakh. Universal Sompo third-party car insurance not only helps you fulfill the legal requirement of having a mandatory car insurance cover but also compensates you for the third party liabilities that might arise because of road accidents, natural disasters, theft, etc.

How does Universal Sompo Third Party Car Insurance Work?

When a policyholder confronts an accident, the Universal Sompo third-party car insurance helps pay the expenses incurred for repairing the third-party property. In this way, it reduces the financial burden on the policyholder. When an accident happens, the insured should inform the insurance company about it immediately before claiming the compensation. 

After the policyholder files a claim, a surveyor appointed by the insurance company comes to check the overall damages and estimate the cost of repairs. Once the verification is completed, and it is proved to be genuine, you can get your vehicle towed to the nearest Universal Sompo network garage for a cashless claim. 

Also check - Buy Universal Sompo Car Insurance Online

Universal Sompo Third Party Car Insurance vs Comprehensive Car Insurance




CoverageIt provides coverage for third-party property damage and a cover for injury/death of a third party.It provides compensation for the insured car’s damages along with all third-party liabilities.
Add-onsNo add-on facilities are available with this.Various add-on covers, such as engine cover, zero depreciation, NCB protection, etc, are available.
CostCheaper than a comprehensive policy.It offers a wide range of coverage, so it’s costlier than third-party car insurance.
Legal RequirementIt is made mandatory by Indian Law.It is optional.

How to Buy Universal Sompo Third-Party Car insurance?

1. Go to the official website of Universal Sompo for third-party four-wheeler Insurance.

2. Mention your car registration number. In case you lose it, you can also mention your car’s model, maker and car registration year.

3. Enter your personal information like your full name and mobile number. All the quotes in your category will appear on your screen.

4. Select the policy that matches your requirements.

5. Make online payment for the selected policy.

6. And the document containing all policy-related information will be sent to your email ID.

What All is Covered under Universal Sompo Third-party Car Insurance Plan?

The Universal Sompo third-party car insurance policy includes protection from the following events (Inclusions):

  • Limited/unlimited cover for death/injury of a third party (depending on the nature as well as the severity of the injury sustained). The final compensation is decided by the court of law.
  • Coverage of up to INR 7.5 lakh will be provided to cover third-party property damage.
  • Financial assistance to pay for the legal costs of court trials (if any) in the event of an accident or other calamities.

What All is not Covered Under Universal Sompo Third-party Car Insurance Plan?

The Universal Sompo third-party car insurance policy does not include protection from the following events (Exclusions):

  • Own damages sustained by the insured car.
  • Loss/damage caused to one or more third-party or third-party properties outside the specified geographical area.
  • Physical injuries sustained by the policyholder are not covered (to get coverage for this, you must buy a personal accident cover of up to INR 15 lakhs) for the same.
  • Contractual liabilities.
  • An accident caused by the driver after consuming drugs or liquor.
  • An accident caused due to the car being driven under the limit or non-adherence to traffic rules, regulations and signals.

Universal Sompo Third-party Car Insurance Review

In the case of the policy renewal, it is done in less time than other insurance companies. The cost of third-party car insurance coverage is affordable. It matches the policyholder’s minimum requirements perfectly.

Universal Sompo Third-party Car Insurance FAQs

  • 1. Does the model of the car affect the premium amount of Universal Sompo third-party car insurance?

    It doesn’t. The premium is decided by the IRDAI.

  • 2. According to which act, has the Government of India made it compulsory to have third-party car insurance from insurers such as Universal Sompo?

    As per the Motor Vehicles Act, 1988, it is compulsory to have a valid third-party car insurance from insurers such as Universal Sompo.

  • 3. Is a no claim bonus included with Universal Sompo third party car insurance?

    No. A no claim bonus is a type of reward which is awarded only if you purchase comprehensive or standalone own damage four-wheeler insurance.

  • 4. What are the various methods of paying the premium amount for Universal Sompo third-party car insurance?

    Universal Sompo third-party car insurance premiums can be paid by any of the following modes-

    • Net Banking

    • UPI
    • Debit card/credit card

    • Cheque

    • Demand Draft (DD)

  • 5. What is the procedure for settling a claim in the case of Universal Sompo third-party car insurance?

    You need to intimate Universal Sompo as soon as your insured car hits the third person in an accident. The concerned individual will need to file an FIR with the nearest police station. Universal Sompo will go through all these and approve your claim if it finds it to be genuine. 

Recent Articles

View All

Wait! Do Not Claim That Car Insurance Yet!

Keep your NCB intact by not raising a car insurance claim for small dents & scratches. Know here when to raise...

Read More

Car Insurance Dos and Don’ts That You Should Know

It is always important to know the dos and don'ts before buying a car insurance policy. Not adhering to the sa...

Read More

Can You Get Car Insurance If You Don't Have A Driving Licens...

Availing a car insurance without a driving license can be possible under certain circumstances. Know what are ...

Read More

How Car Fuel Affects Your Car Insurance Premium?

Fuel type is a crucial factor in deciding your car insurance premium. Learn the other important aspects before...

Read More

Difference Between First-party and Third-party Car Insurance

Are you looking for the difference between third-party and first-party insurance? Learn the difference on the ...

Read More

Advisor's Tip: How to file a Car Theft Claim?

Learn how you can file a car theft insurance claim with your insurance provider against theft. Know the benefi...

Read More

9 Car Insurance Companies in India

Here are the list of top 9 best car insurance companies in India for the year 2020. To Know More About Best Ca...

Read More

Difference Between Comprehensive And Third-party Car Insuran...

Difference between comprehensive and third-party car insurance: Comprehensive policy covers both own damages a...

Read More

What To Do After a Car Accident: A Step By Step Guide

After a car accident has taken place, you should take out your insurance copy and look for the 24x7 helpline n...

Read More