United India Car Insurance

United India Car Insurance is a type of motor insurance policy designed to protect an insured private car from any unforeseen loss or damages. It is the motor insurance segment of United India Insurance Co. Ltd. The company has been offering car insurance policies for the past several years and covers private cars against any unpredictable losses, damages or liabilities.

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Cashless garages370

Plans starting @₹ 1994

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.
Car Insurance Premium Price

United India

Cashless Garages

370

Plan type

Comprehensive

Starting from

₹ 2,795

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  • Reimbursement Within 3 Working Days For Non-Cashless
  • Self-Video Claims

United India

Cashless Garages

370

Plan type

Third Party

Starting from

₹ 2,094

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Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party person

United India

Cashless Garages

370

Plan type

Limited Third Party

Starting from

₹ 1,994

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Claim Advantage
  • Covers damages to third party property
  • Covers damages to third party property upt...

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

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:

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

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

  • 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
  • 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.

  • 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
  • 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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United India Car Insurance Reviews & Ratings

4.6 / 5 (Based on 56 Reviews)
(Showing Newest 10 reviews)
Jairaj
Gohana, December 08, 2021
Premium calculation
One thing that i found very convenient was premium calculator which is given on the website of Policybazaar. i used premium calculator to calculate the premium rate of United india car plan. The premium calculator was not difficult to use at all and I calculated the premium very quickly.
Rajveer
Hansi, November 26, 2021
Affordable deal
There are many unique features offered under my United India car insurance policy, which I have taken from Policybazaar at a reasonable amount. This plan will provide me assistance in times of need. Towing service is also covered under the same.
Rohender
Ranchi, November 23, 2021
Impressive service
I am impressed with the services of Policybazaar. i have taken United India Car Insurance from here and I found that the team is committed towards their work. it was pleasure to have my car plan from Policybazaar and will definitely recommend to others.
Rohit
Faridabad, August 26, 2021
Easy to compare
One of the best website to buy policy. It is so easy to compare plans on the Policy Bazaar website. Customers can easily compare and customize their plans with the help of add on covers as per their requirements and budget. i took United India car insurance from here.
Neha
Varanasi, August 25, 2021
Cooperative team
I have bought United India car insurance from policy bazaar. With the help of add on covers I enhanced my policy. Now i got my plan according to myself. Buying a policy from Policy Bazaar is a matter of seconds and if their customers face any problem they always stand by them.
Kesav
Rohtas, August 20, 2021
Supportive team
I have seen many positive reviews about policy bazaar on google that is why i decided to buy my car insurance from Policy Bazaar. i got all the facilities and service here. policy bazaar provides full support from their end.
Kiranmay
Gudivada, August 18, 2021
no claim bonus
i never made any claim during my tenure. during the renewal time, i got no claim bonus fof my United india car plan which i had taken from the policy bazaar. team works very quick their customers does not have to wait for their response.
Dipak
Odapadaa, April 26, 2021
Cashless claim
It is very easy to get the cashless claim facilities when you have the car insurance policy of United India. I have read a lot many things when I bought this plan and it suited to me and my Honda city car.
Kamlesh
Gadag, April 23, 2021
Great financial assistance
It is easy to get the financial assistance and coverage when you bought the universal sompo car plan. I have got great assistance from them and my life has been subtle. All thanks to team.
Jahir
K.singpur, April 23, 2021
Resolve concerns
I have recently got a claim approve for my Hyundai accent car. And it has been done so nicely and quickly. I found the plan so good and the customer care team of policybazaar is superb.