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.

Car insurance in India is mandatory. The motor vehicle laws of India has mandated all private cars running on the public roads to be covered under a car insurance policy offering third party liability coverage. United India Car Insurance fulfils this requirement of third party liability coverage in their car insurance plans.

Car insurance by United India Motor Insurance is issued for a policy term of one year. However, the newly purchased cars can get insurance policy with a tenure of three years.

Features and Benefits of United India Car Insurance

United India Vehicle Insurance comes with the following features and benefits to its customers:

  • Cashless Repair Facility – This policy comes with the cashless repair facility if the repair work is made at one of the network garages of United India car insurance. Currently, the company has over 700 network garages across the country.
  • Vintage Car Discount – The insurer grants a 25% discount on premiums to all cars manufactured before 31 December 1940 and certified by the Vintage & Classic Cars Club of India. However, this discount is only applicable to own damage cover.
  • High Incurred Claim Ratio – In the year 2018-19, United India Motor Insurance has been identified with one of the highest incurred claim ratio or ICR of 120.79% amongst all motor insurance companies in India.
  • Anti-Theft Device Discount – A 2.5% discount, up to a maximum of Rs 200, will be granted on the premium amount to car owners who have an approved anti-theft device installed in their cars. This discount is also applicable to own damage cover only.
  • No Claim Bonus – United India car insurance grants the No Claim Bonus (NCB) benefit to all policyholders who do not make any claims during their previous policy tenures. This bonus or discount is granted at the time of renewal only and can be accumulated up to a maximum of 50%. The insurer will only grant NCB if the policy is renewed within 90 days of the previous policy expiry date.
  • Modified/ Specially Designed Car Discount – Under this policy, a discount of 50% on own damage cover is granted to all cars that have been modified or specially designed for the handicapped, blind or mentally challenged people.
  • Coverage Extension – United India Car Insurance comes with certain covers that can be used to extend the coverage of the policy by paying an additional premium amount. They include coverage personal accident cover for unnamed people, CNG/ LPG bi-fuel kits, electrical or electronic fittings, fibreglass fuel tanks and geographical area extension.
  • Automobile Association Membership Discount – If the owner of the car has a membership at the Automobile Association of India, then a 5% discount on the own damage cover (up to a maximum of Rs 200) will be granted to them.

Inclusions of United India Car Insurance

United India Car Insurance provides coverage for the following incidents:

  • Loss or Damage to the Car – This policy protects the insured car from any loss or damage caused due to fire, accidents, riots, burglary, explosion, strike, terrorist acts, malicious acts, natural disasters, including earthquakes, landslide, floods, etc, or while in transit. This cover is also known as the Own-Damage cover.
  • Personal Accident Cover for the Owner-Driver – Any bodily injuries caused to the owner-driver of the insured car while driving or while getting in/ out of the car will be compensated by the United India Car Insurance. They will also provide compensation if these injuries lead to his death.
  • Third Party Liabilities – It will cover any legal liabilities of the owner-driver of the insured car for causing bodily injuries, death or property damages to a third party person in an accident. United India Vehicle Insurance will not only cover the liabilities arising out of an accident caused by the owner-driver of the car but also the liabilities of any other person driving the car with the policyholder’s permission.

Add-On Covers of United India Car Insurance

United India Car insurance comes with several add-on covers that can be used to enhance the coverage of the insurance policy by paying an additional premium amount. Below is a list of add-on covers available under car insurance by United India Motor Insurance:

  • Nil depreciation
  • Courtesy car
  • Return to invoice
  • Medical expenses
  • Engine and gearbox protection
  • Personal effects

Exclusions of United India Car Insurance

United India Vehicle Insurance will not indemnify any claims arising out of the following situations:

  • Outside Geographical Area – It will not cover any liabilities or damage/ loss suffered by the insured car or the driver outside the geographical area mentioned in the policy document.
  • Wear and Tear – This policy will not cover any expenses arising out of the regular wear and tear of the insured car.
  • Beyond Usage Limitations – If the insured car is used for a purpose other than personal use, then the insurer will not cover any loss/ damages or liabilities arising out of it.
  • Contractual Liability – United India Vehicle Insurance will not cover any contractual liabilities arising out of the insured car.
  • War – Any loss or damages sustained by the insured car due to war, warlike operations or an act of war will be excluded under this policy.
  • Consequential Loss – It will not cover any consequential loss suffered by the insured car, which is not directly caused by any of the covered reasons under the policy, such as natural liabilities, fire, etc.
  • Drunk Driving – Driving under the influence of intoxicants, such as alcohol or drugs, is a punishable offence. Hence, this policy will not cover any liabilities, damages or losses caused due to drunk driving the insured car.
  • Nuclear Weapons – Any loss or damages caused to the insured car following a nuclear attack or leakage will not be covered by the insurance company.
  • Depreciation – This policy will not cover any losses suffered by the owner-driver of the insured car due to the vehicle’s depreciating value.
  • No Valid Driving License – As per the motor laws of India, it is illegal to drive a car without a valid driving license. Therefore, United India car insurance will not cover any liabilities, loss or damages suffered by the insured car or its driver if he is found driving without a valid license.
  • Mechanical or Electrical Breakdown – The insurer will not pay for any loss or damages suffered by the insured car following an electrical or mechanical breakdown.

How to Renew United India Car Insurance Online?

United India Car Insurance renewal on time is important to continue availing policy benefits. Just like the United India Commercial Vehicle Insurance renewal, an existing policyholder can easily renew his United India Car insurance online. All they need to do is follow the procedure mentioned below:

  • Go to the renewal section on the top of the page
  • You may be asked to enter certain information about your previous policy, such as the policy number as well as your personal details, such as your mobile number
  • Review the plan coverage and check your details
  • You can add or remove any add-on covers from the plan if you want
  • Check the premium quote for the plan
  • Pay the premium amount for United India Car insurance online via net banking or by credit/ debit cards
  • Once the payment has been made, United India Insurance Co. Ltd. will renew your policy

It is recommended to compare the renewal premium and coverage of United India car insurance plans online with plans from other insurers to get the best car insurance for your vehicle.

Contact Details of United India Car Insurance Company

Address: S. No. 46/1, E-Space, A-2 Building, 3rd Floor, Pune - Nagar Road, Vadgaonsheri, Pune - 411014, Maharashtra.

Phone Number: (020) 25300128 UAN : 1860-233-4448

Customer Care: 1800-233-4505/1800-233-1166

Email: customercare[at]mdindia[dot]com

FAQs About United India Car Insurance

Written By: PolicyBazaar - Updated: 11 October 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 18 Reviews)
United India Car Insurance Reviews & Ratings
4.8 / 5 (Based on 18 Reviews)
(Showing Newest 18 reviews)
Hemali
Unava, August 28, 2020
Easy to get the policy
It is very easy to get the online policy from the United India. The digitalization has made the work so easy and I can easily purchase the policy online and that was best. Thanks a lot team.
Ojasvi
Sabang, August 27, 2020
Renew your policy
I have recently renewed my car insurance from the United India. I have been the customer of United India from the last 2 years. It is a good plan and I renewed it immediately from the mobile application. I am thankful to the team United India.
Oja
Bhabhar, August 27, 2020
Add on coverage
I found the best plan for me and my car. And I founded on the website of the United India. I have opted for the car plan and also have the add on benefits such as depreciation cover, personal effects, engine and gearbox protection etc. These things matters a lot and it’s a best cover I had. Thank you so much for best services.
Geshna
Ichoda, August 26, 2020
No claim bonus certificate
I have taken the no claim bonus certificate from the United India. The customer service team is really good and they understand the value of the customer. So, I didn’t filed for the claim last year. So, I ask for the no claim bonus certificate. I got my certificate in next 1 day. Thank you team for quick and early response.
Garima
Wagholi, August 26, 2020
Great claim ratio
I have opted for the united India car insurance policy. Why I choose this company because it is really good and it has better customer care services. Not only this is the claim settlement ratio of this company excellent. They have the highest incurred ratio and it is really good. Thank you united India team.
Satyam
K.c. Pur, August 21, 2020
Cost-effective
I am really glad to share this review of the policybazaar. The team is super good and the plans provided by them is very unique and cost-effective in nature. I got my type of plan from the policybazaar. Thank you team.
Mahesh
Machalisahar, August 21, 2020
Cashless repair
I have taken the car insurance policy from the United India car insurance. It is a good plan and I got my car cashless repair from the network garage. You can able to pay the online money for the repair of your car and you don’t have to pay the cash. The work and repair work will be done very quickly. I am quite impressed. Thank you United India team.
Naman
Vadali, August 10, 2020
Settle claim quickly
It is very easy to settle the claim as I did it last year with the help of the customer care of United India. Not only this you can connect with them and step by step your claim will be settled easily and without any problems. Great work team United India.
Himasnhi
Sabang, August 07, 2020
Online payment of the premium
It is easy to pay the premium amount of the policy. I found it easy and quite attractive and not only this you will have the system of the transparency. You can pay the premium on monthly, quarterly and yearly basis. A good way to make your things quite easy and hassle free. Thank you so much team united India.
Amit
Dabhoi, August 07, 2020
Less premium rates
When I purchased the car insurance policy from the policybazaar and United India. I really like the car insurance plans with safety features and the securities. Not only this the premium rate of the policy is quite less and it can be paid in an easy EMI form. You can compare all the plans and the policies online and that is so good and also the premium rate is quite less. Thank you so much United India.
Tigmanshu
Zamania, August 06, 2020
Policy issued on time
Last year when I purchased the car insurance policy from the United India. I was really impressed by the good reviews given by the people and the customer. Not only this but when I purchased the car insurance plan I got my policy copy soft copy online in next 15 minutes of the purchase of the policy. Thank you team United India for better services and I will always buy the policy from you.
Ishita
Dadengiri, August 06, 2020
Man-made disaster
I have taken the car insurance policy from the United India company and it is really good plan. Along with the safety features I also got the feature of the man-made disasters rescue. So, I got this feature which will help my car from riots, curfews, accidents, theft and the losses. I am thankful and grateful to team policybazaar and United India.
Giriraj
Campierganj, August 05, 2020
Third party insurance policy
I have taken the third party car insurance policy from the policybazaar. It is a good plan which I bought from the policybazaar as it will take care of my damages and the injuries and also it will take good care of the third party damages and the injuries. I really love the plan and would love to recommend to everyone. Thank you tata aig.
Himansh
Uchchhal, August 05, 2020
Online renewal of the policy
I have taken the car insurance policy online two years back. So, it is a good plan and I found it quite relevant for me and my car. That’s why I decided to get the renewal of the policy this year from the same United India only. And definitely I will continue it for every year as I got better services from this company. Thank you team.
Dinesh
Captainganj, August 04, 2020
Get the quotes online
The digitalization has made the things so much easy and adverse and I was planning to take the car insurance policy from the United India. It was good and sorted. I checked the website of the United India and got the various car plans quotes and the selected the best one for according to my budget. I really like the services and thank you so much team United India.
Yasmin
Campierganj, August 04, 2020
Simple and hassle free
I really love the services of the united India. Because the working of the company is really good and they understand the needs of the customer. Not only was this all the process of the car insurance policy done online. I really don’t have to go anywhere and it was done so easily. By sitting at home I have got to know about various plans and policies. Thank you united India and the policybazaar team.
Minika
Sabang, August 04, 2020
Claim done easily
I have taken the car insurance policy last year and this year I have taken the claim. The claim was settled in very less time and I took the car insurance plan from united India car plan. The claim was settled in less than 4 days and my car was repaired into the network garage provided by the united India team. Usually the claim takes time but my claim was settled in less time and all thanks to United India. Thank you team policybazaar and United India.
Rijool
Ooty, May 17, 2016
Perfect Plan
My united india car insurance plan is good. The policy coverage is high and the claims are even better. Tow facility is there which is included in the policy. The number of garage is good so that the recovery is easy for policy holder. Good behaviour of the executives and staff of the company is great. Good investment, I like the policy.