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Universal Sompo Third Party Car Insurance Policy

As per the Indian Motor Tariff, it is mandatory for every car owner to have at least a third party car insurance cover. A third party liability only policy is the most basic and feasible option which offers compensation for injury/death of a third party and third party property damage up to Rs. 7.5 lakh. Universal Sompo third party car insurance policy helps you fulfill the legal requirement of having an insurance cover as well as indemnifies you for the third party liabilities which may arise due to a road accident/mishap involving your car.

Third Party Car Insurance Policy vs Comprehensive Car Insurance Policy

Basis

Third Party Cover

Comprehensive Policy

Coverage

It offers coverage for third party property damage up to Rs. 7.5 lakh as well as a cover for injury/death of a third party.

In addition to providing coverage for all third party liabilities, it also provides compensation for own-damages suffered by the insured vehicle.

Availability of Add-on covers

No add-ons are available with a third liability only policy.

A wide range of add-on covers like zero depreciation, engine cover, NCB protection, etc. are available with a comprehensive cover.

Purchase cost

Being the most basic coverage policy, a third party policy is comparatively cheaper than a comprehensive cover.

Owing to its wider coverage, a comprehensive policy is relatively costlier than a third party policy.

Universal Sompo Third Party Car Insurance Coverage

  • Limited/Unlimited cover for death/injury of a third party (depending on the nature and severity of the injury sustained). The final compensation is one decided by a court of law.
  • Coverage of up to Rs 7.5 lakh for third party property damage.
  • Compensation for legal expenses in case of a court trial in the event of a road accident or any other mishap.

Universal Sompo third party car insurance does not provide coverage for the following:

  • Own damages sustained by the insured car.
  • Loss/damage sustained by a third party person or property if an accident occurs beyond the stated geographical location.
  • Physical injury sustained by the policyholder will not be covered (to get coverage for this, you need to purchase a personal accident cover of up to Rs. 15 lakh).
  • Contractual liabilities.

Explore Universal Sompo Car Insurance

Must Read Articles before buying Universal Sompo Car Insurance

Universal Sompo Car Insurance User Reviews

4.8
Rating based on
299 User reviews
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What users are saying
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  • Good discount and multiple opt...

    Easy process to buy policy online at best prices. I am impressed by the options available and customization possible at the website.

    Read More

    D
    Ford Freestyle Bhuj (Kachchh)
    By DEEPAK G RAMNANI
    On: May 21, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    A
    By Ashish Batla
    On: May 18, 2023
  • Reminder feature

    The InsuranceDekho website holds a reminder feature which is very helpful. A month ago, I bought the Universal Sompo car insurance plan for my Mercedes Benz from their website, which is a very helpful plan and covers all my requirements. This reminder feature keeps on reminding me to renew my policy from time to time.

    Read More

    L
    By Lucky Kumar
    On: March 1, 2023
  • The website has very informati...

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    D
    By Dhruv Batra
    On: February 9, 2023
  • Transparent policy issuance

    While paying the premium amount from Universal Sompo car insurance policy to insure my Volkswagen Polo car through InsuranceDekho, I did not have to pay any hidden charges. I paid the exact amount as shown on the screen earlier. Glad to have this level of transparency.

    Read More

    N
    By Nipun Rangnekar
    On: February 3, 2023
  • Helping team

    I visited InsuranceDekho to buy an insurance policy for my Kia Sonet. I was very confused about which plan best suits my needs so I called the InsuranceDekho team, they understood my confusion and recommended some good car insurance plans. I compared the plans with the help of information on the website and finally purchased a Universal Sompo car insurance policy from InsuranceDekho.

    Read More

    V
    By Varun Gupta
    On: January 24, 2023
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Read More

    P
    By Prashant Batra
    On: January 3, 2023
  • Informative website

    The InsuranceDekho website is informative. While buying the Universal Sompo car insurance plan for my BMW, I read about IDV and its importance. It was very well explained. Loved the plan for all its features and benefits.

    Read More

    N
    By Naman Gupta
    On: October 13, 2022
  • 7 days availability

    The services provided by the InsuranceDekho website are available on all 7 days of the week. I visited them on Sunday to buy a good car insurance plan for my BMW. with the help of their team, I chose the Universal Sompo car insurance plan ut comes with superb features and benefits.

    Read More

    N
    By Naman Batra
    On: August 24, 2022
  • Got a good plan at an affordab...

    I wanted a good car insurance plan for my BMW. Also, a plan that could fit in my budget easily. Someone suggested me to visit the InsuranceDekho website, and then I came across the Universal Sompo car insurance plan. The plan was perfectly designed as per my needs.

    Read More

    R
    By Rajat Sharma
    On: August 16, 2022
Universal Sompo Reviews

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Universal Sompo Third Party Car Insurance FAQs

  • Can Universal Sompo arrange a court representative during a third party liability settlement in a court?

    Yes, Universal Sompo does arrange for a representative in a court of law in case of death of a third party.

  • Can I get coverage for the legal liabilities of death or physical injury of a paid driver in a third party policy?

    To get coverage for the legal liabilities of death or physical injury of a paid driver you need to opt for a paid driver add-on cover against an extra premium.

  • Is it compulsory to have a third party policy?

    Yes, as the Indian Motor Tariff it is mandatory for every car owner to purchase at least a third party liability only policy for his/her car.
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