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- United India Car Insurance
United India |
Cashless Garages
370 |
Plan type
Comprehensive |
Starting from
₹ 2,795 |
Claim Advantage
| |
|
United India |
Cashless Garages
370 |
Plan type
Third Party |
Starting from
₹ 2,094 |
Claim Advantage
| |
|
United India |
Cashless Garages
370 |
Plan type
Limited Third Party |
Starting from
₹ 1,994 |
Claim Advantage
|
About United India Insurance Company
Incorporated as a company in the year 1938, United India Insurance Company provides insurance cover to crores of policyholders across India. The company offers a variety of insurance solutions such as motor insurance with a 100% customer satisfaction rate.
With 84 years of experience, the insurance company aims at providing insurance protection to all and developing the Indian economy.
Key Features of United India Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Incurred claim ratio | 96.45% |
| Personal Accident Insurance | Up to 15 Lakhs |
| Network Garages | 370 |
| No Claim Bonus | Yes |
Benefits of United India Car Insurance
United India vehicle insurance offers the following features and benefits to its customers:
- The United India Insurance Company has over 370 network garages offering cashless repair facilities across the country.
- Discount on the premium amount to car owners who have an approved anti-theft device installed in their cars.
- No Claim Bonus (NCB) benefit to all policyholders who did not make any claims during their previous policy tenures.
- Discount on own damage cover is granted to all cars that have been modified or specially designed for the handicapped, blind or mentally challenged people.
- Discount on own damage cover to the members of Automobile Association of India.
Types of United India Car Insurance Policy
United India Insurance Company provides two types of car insurance policies. They are:
1. Liability Only Car Insurance Policy
Under the Liability Only car insurance policy, the insurer will provide coverage to the policyholder against any third party liability arising due to an accident of the insured car. Third party liabilities include death or bodily injury to the third party and third party property damages.
However, the third party liability policy does not cover own damages sustained by the insured vehicle. Moreover, the coverage provided under this car policy is limited to Rs. 7.5 lakh for property damage but is unlimited for demise or bodily injury to the third party.
2. Private Car Package Policy
The Private Car Package or comprehensive car insurance policy provides coverage against damages sustained by the insured car due to unanticipated events like road accidents, theft, fire, natural calamities, etc. This car policy also covers damages sustained by the third party, such as death, injury and property damages.
Moreover, the extent of comprehensive car insurance can also be increased by purchasing additional covers at an extra premium.
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United India Car Insurance Premium Calculator
A policyholder can also calculate and compare the premium of a car insurance policy before purchasing one by using United India Car Insurance Premium Calculator. Doing so will help them to buy a policy that fits within their pre-decided budget.
Coverage Under United India Car Insurance
- Manmade Acts: Damages sustained by the insured car due to manmade acts like riots, terrorist acts, and strikes
- Burglary: Losses to the insured car due to events like theft, housebreaking and burglary
- Third Party Liabilities: Death, injury or property damages of the third party arising out of the insured car
- Accidents: Damages sustained due to an accident of the insured car
- Fire: Any damages to the insured car due to fire or self-ignition
- Natural Disasters: Damages due to natural disasters, including earthquakes, landslides, and floods.
- In-transit Damages: Damages to the insured vehicle while it was in transit via roadways, railways, waterways, etc.
- Outside Geographical Area: Damage/ loss suffered by the insured car outside the geographical area mentioned in the policy document
- Wear and Tear: Expenses arising out of regular wear and tear of the insured car
- Beyond Usage Limitations– If the insured car is used for a purpose other than personal use
- Contractual Liability: Any contractual liabilities arising out of the insured car
- War: Damages sustained by the insured car due to war, warlike operations or an act of war
- Consequential Loss: Any consequential loss or damage suffered by the insured car
- Drunk Driving: Any liabilities, damages or losses caused due to drunk driving the insured car.
- Nuclear Weapons: Damages caused to the insured car following a nuclear attack or leakage
- Depreciation: Losses suffered by the insured car due to the vehicle’s depreciating value
- No Valid Driving License: Any loss or damages suffered by the insured car if the driver was found driving without a valid license
- Mechanical or Electrical Breakdown: Damages suffered by the insured car following an electrical or mechanical breakdown
United Car Insurance Add-On
United India car insurance comes with several add-on covers that can be used to enhance the coverage of the policy by paying an additional premium amount. Below is a list of add-on covers available under car insurance by United India motor insurance:
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Courtesy Car Cover
Under the Courtesy Car add-on cover, the insurance company will compensate the policyholder with the expenses incurred to hire a rental car when the insured car is undergoing repairs.
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Nil Depreciation Cover
Under the Nil Depreciation add-on cover, the insurance company will also cover the depreciation borne by the insured car and its parts in the event of a partial loss claim for repairs.
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Return to Invoice Cover
Under this add-on, the insurer will pay a difference between the Insured Declared Value (IDV) of the insured car and its current sale value in the event of a total loss of the insured vehicle.
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Medical Expenses Cover
Under the medical expenses add-on cover, the insurance company will reimburse medical expenses that have been incurred on the hospitalization of passengers of the vehicle in the event of a road accident.
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Engine and Gearbox Protection Cover
This add-on compensates a policyholder against any loss or damage sustained by the engine or gearbox of the insured car. Damages that are caused due to water ingression, or leakage of lubricating oil will be covered under this add-on.
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Personal Effects Cover
By purchasing a Personal Effects add-on cover, the policyholder will receive compensation against any personal item present in the car that was lost or damaged in the event of perils.
Add-ons for your car insurance
Bumper to Bumper Insurance
Bundled Policy
Car Accessories Cover
Compulsory Personal Accident Cover
Daily Allowance Cover
Engine Protection Cover
Key Replacement Cover
Multi-Year Car Insurance
No Claim Bonus (NCB) in Car Insurance
Personal Possessions Cover
Return To Invoice
Rim Damage Cover
Roadside Assistance
Tyre Protector Cover
Voluntary Deductible in Car Insurance
Zero Depreciation Car Insurance
How to File a Claim Under United India Car Insurance?
To file a claim under United India car insurance online, follow the steps mentioned below:
- Inform the Insurer: To register the claim with the insurance company, you will be required to inform them about the incident as soon as it happens.
- Vehicle Inspection: Once the claim has been registered, the insurer will send a surveyor to inspect the damages caused to the insured car.
- Documents Verification: The surveyor will ask for some documents to process your claim. Make sure to keep all the necessary documents with you.
- Claim Processing: Once the repairs are done in the network garage, the insurance company will pay the claim amount directly to the network garage.
- Reimbursement Claims: If the repairs are not done in a network garage, the insurance company will reimburse you the claim amount after the repairs are complete and you have paid the bill.
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Documents Required to Raise a Claim Under United India Car Insurance
Below mentioned are the documents required to raise a claim under United India vehicle insurance:
- Copy of car insurance papers
- Duly signed claim form
- Copy of valid driving license
- Copy of Registration Certificate
- Repair estimates
- Repair bills
- Copy of Police FIR
How to Renew United India Car Insurance Online?
To renew United India car insurance online, go to Policybazaar.com and follow the steps mentioned below:
- Go to the ‘Car Insurance’ page from the ‘Insurance Products’ menu
- Enter your car number and view instant renewal quotes
- Fill in the given form and proceed with motor renewal plans
- Enter your existing policy expiry date and previous claim details and proceed
- Find the United India insurance car insurance plan from the given list and check your policy details
- You can add or remove any add-on covers from the four-wheeler policy if you want.
- Verify details on the next page
- Pay the premium amount for United India car insurance renewal online via net banking or by credit/debit cards
- Once the payment has been made, United India Insurance Company. will renew your car policy. You will receive your motor insurance renewal papers at your email address.
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United India Car Insurance FAQ
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Q1. How good is United India car insurance?
Ans: Calling a car insurance company good or bad is a personal choice. United India car insurance has been offering insurance services for over 80 years and has a high incurred claim ratio. However, it is best to compare the coverage and benefits of United India car insurance with other motor insurers at Policybazaar.com before arriving at a decision. -
Q2. Are there any discounts offered by United India car insurance?
Ans: Yes. United India car insurance offers several discounts to car owners under their motor insurance plans. They are:- No Claim Bonus
- Anti-theft device discount
- Vintage car discount
- Modified/ specially designed car discount
- Automobile Association membership discount
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Q3. Does United India car Insurance offer a No Claim Bonus? Will it be transferred if I sell my car?
Ans: Yes. United India car insurance offers No Claim Bonus on renewal if you do not file any claim during the previous policy tenure. You can earn up to a 50% discount if you don’t make any claims for five consecutive years.However, NCB is non-transferrable and thus, cannot be transferred to the new owner of the insured car in case you decide to sell the car. The NCB is awarded to the policyholder for not making any car insurance claims and not to the car.
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Q4. Are there any optional covers available for coverage extension?
Ans: Yes. On the payment of an additional premium, United India car insurance will grant coverage for the following:- Electrical/ electronic fittings
- Geographical area extension to Bangladesh, Maldives, Bhutan, Sri Lanka, Pakistan and Nepal
- Fibreglass fuel tanks
- Personal accident cover for unnamed drivers and passengers
- CNG/ LPG bi-fuel kit
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Q5. How can I check the policy status for United India car insurance?
Ans: You can visit the nearest office of the United India Insurance Company to inquire about the policy status. You can also visit their official website and check your policy status. -
Q6. What is the company’s process to settle a claim for United India car insurance?
Ans: As soon as the claim has been intimated to the insurance company, download the claim forms from their website. Deposit it with the required documents at the customer service desk in your nearest branch. The company will make the necessary inquiries and if satisfied, will reimburse the claim amount in a few days. -
Q7. What is the policy cancellation process for United India car insurance?
Ans:You can cancel your United India four wheeler insurance policy before it is expired. Just visit the nearest branch with the policy documents and fill up a surrender form. Submit it and within a few days, the refund will be directly credited to your bank account.
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