What is Universal Sompo Motor Insurance Claim?

This article explores Universal Sompocar insurance claims and Universal Sompotwo-wheeler insurance claims including how to file a claim, what will be the documents required, and what could be the possible reasons for rejection of the filed claim.  First, let’s look at the types of Universal Sompovehicle insurance claims.

Types of  Motor Insurance Claims

Universal Sompo Cashless Claim: You bring your vehicle to a network garage for repairs when you file a cashless claim. Universal Sompo will pay the garage directly in this situation. You only have to pay your deductible.

Universal Sompo Reimbursement Claim: In case of a reimbursement claim for your damaged vehicle, initially, you have to bear the expenses for the repair out of your pocket.  After verification of all related documents, the insurer will reimburse the incurred cost. You can take your vehicle to any workshop of your choice, not necessarily a network garage. Be sure to maintain all the repair bills accurately.

How to File Universal Sompo Motor Insurance Claim?

Step 1: Intimation

The insurer should be notified right away if the vehicle is stolen, is involved in an accident, or is damaged in any way. To notify the insurer, you can go to the insurer’s nearest branch or visit the insurer’s official website.

Step 2: Submission of Documents

Submit the required documents online and a surveyor will be appointed to analyze the state of damages to the vehicle. A list of documents required to register the claim is provided further in this article.

Step 3: Survey

The insurance company's surveyor will evaluate the damage and repair costs after the claim is filed. Any additional costs incurred, i.e., damages to uninsured parts must be covered by the insured.

Step 4: Claim Settlement

In case of a cashless claim, the company will pay the approved amount directly to the network garage which will repair your vehicle. In case of a reimbursement claim, this approved amount is paid to the policyholder.

Documents Required for Filing Universal SompoMotor Insurance Claim

  1. Accurately filled and signed claim form
  2. Vehicle insurance policy document
  3. Registration Certificate (RC) of the vehicle
  4. Driving License
  5. Copy of FIR (First Information Report)
  6. Paymentreceipts/bills once the repair has been done (in case of reimbursement claims)
  7. ‘No Trace Report’ of the insured vehicle from the police (in case of theft of insured vehicle)
  8. Theft declaration from Regional Transport Office (in case of theft of insured vehicle)

Common Reasons for Universal Sompo Motor Insurance Claim Rejection

  1. Fraud claim/ claiming wrong coverage amount
  2. Falsifying facts
  3. Delayed claim intimation
  4. Negligence on part of the driver
  5. Driving without a license
  6. Driving under influence

Frequently Asked Questions

1. Is a cashless system or a reimbursement system preferable while raising the claim with Universal Sompo?

In terms of speed and convenience, cashless claims have the upper hand. While reimbursement claims give you the freedom to choose your preferred repair workshop. Both systems have unique benefits, it is up to the policyholder to choose the one that is most suitable for the situation.

2. How much amount of loss will be covered with Universal Sompo car insurance policy in case of theft of car?

The insurer will cover the loss up to the limit of IDV printed on the policy. Read more about car insurance IDV here.

3. Which factors affect the insurance claim in Universal Sompo?

Factors such as zero depreciation, deductibles, incomplete documents, delayed claim intimations, and wrong NCB details affect the insurance claim.

4. Which is the simplest way to raise an insurance claim with Universal Sompo?

Raising a claim online is the simplest and most efficient way to raise a claim with Universal Sompo General Insurance Company. Just fill in your vehicle details, policy details, and damage details and you’re good to go!

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