Most Trusted Car Insurance
United India Car Insurance
A United India car insurance policy is designed to protect an insured private car from any unforeseen loss or damages arising out of events like road accidents, theft, fire, disasters, etc. The United India Insurance Company also provides additional coverage, like PA Cover and Zero Dep Cover, etc., that can enhance the coverage of a car insurance policy.
About United India Insurance Company
Incorporated in 1938, United India Insurance Company Limited provides insurance coverage to crores of policyholders across India. The company offers a variety of insurance solutions, including motor insurance. With 86 years of experience, the insurance provider aims to provide insurance protection to all, thus helping develop the Indian economy, the insurance company has made its presence in 1,000+ tier 2 and tier 3 towns and villages.
Key features of United India Car Insurance
Third-Party Coverage
Yes
Claim Settlement Ratio
N/A
Personal Accident Insurance
Up to Rs. 15 Lakhs
Network Garages
3,100
No Claim Bonus
Yes
No. of Zero Dep Claims
Unlimited
No. of No-ZDClaims
Unlimited
Benefits of United India Insurance Car Insurance
The benefits of the United India insurance car insurance policy are mentioned below:
Discount on the premium amount to car owners who have an approved anti-theft device installed in their cars.
No Claim Bonus (NCB) benefits all policyholders who did not make any claims during their previous policy tenures.
Discount on own damage cover is granted to all cars modified or specially designed for the handicapped, blind or mentally challenged people.
Discount on own damage cover to the members of the Automobile Association of India.
Types of United India Insurance Car Insurance Policy
United India Insurance Company provides three types of car insurance policies. They are:
Liability Only Car Insurance Policy
Under the liability-only policy, the insurer will provide coverage to the policyholder against any third-party liability arising from an accident involving the insured car. Third-party liabilities include death, disability 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.
Standalone Own Damage Car Insurance Policy
A standalone own damage car insurance policy aims to compensate a policyholder if his/her car meets with an unforeseen incident. These incidents include accidents, theft, fire, calamities, etc. An own damage policy can only be purchased if you already have third-party insurance and wish to enhance coverage for the car's own damages.
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.
United India Insurance Car Insurance Premium Calculator
Policyholders can also use the Car Insurance Premium Calculator to calculate and compare the premium of car insurance before purchasing a policy. Doing so will help them buy a policy that fits their pre-decided budget.
Coverage Under New United India Insurance Car Insurance
What is Covered?
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 vehicle due to fire or self-ignition
Natural Disasters
Damages from natural disasters, including earthquakes, landslides, and floods, are also covered under the United India motor insurance policy.
In-transit Damages
Damages to the insured vehicle while in transit via roadways, railways, waterways, etc.
What is not Covered?
Breakdown or Wear & Tear
Losses suffered by the insured car due to wear & tear, depreciation, or electrical or mechanical breakdown are not covered.
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
Consequential Loss
Any consequential loss or damage suffered by the insured car
Drunk Driving or an Invalid Licence
Any loss or damage if the driver was found driving without a valid licence or under the influence.
War or Nuclear Perils
Damages caused to the insured car due to warlike operations or a nuclear attack.
Outside Geographical Area
Damage/ loss suffered by the insured car outside the geographical area mentioned in the policy document.
New United India Insurance Car Insurance: Add-Ons
Courtesy Car Cover
Under the Courtesy car add-on cover, the insurance company will compensate the policyholder for the expenses incurred in hiring a rental car when the insured vehicle is undergoing repairs. However, to avail the benefits of this cover, the insured vehicle must be under repair for a minimum period of 24 hours.
Nil Depreciation Cover
Any depreciation sustained by the insured car is usually not covered under a standard car insurance policy. Under the Nil Depreciation add-on cover, the insurance company will also cover the depreciation of the insured car and its parts in case of a partial loss claim for repairs.
Return to Invoice Cover
Under the return to invoice 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. This cover also pays for registration charges and road tax up to a maximum of 10% of the IDV in the policy.
Medical Expenses Cover
Under the medical expenses add-on cover, the insurance company will reimburse medical expenses that have been incurred on the hospitalisation of passengers of the vehicle in the event of a road accident.
How to Renew United India Insurance Car Insurance Online?
To renew United India car insurance online, go to Policybazaar.com and follow the steps mentioned below:
How to File a Claim Under United India Insurance Car Insurance?
To file a claim under United India Insurance car insurance online, follow the steps mentioned below:
Inform the Insurer:
You must inform the insurance company about the incident as soon as possible to register the claim.
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:
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.
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.
Documents Required to Raise a Claim Under United India Insurance Car Insurance
Below are the documents required to raise a United India car insurance claim:
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FAQs - United India Car Insurance
-
Are there any discounts offered by United India car insurance?
Yes. United India car insurance offers several discounts, including the NCB (No-Claim Bonus) discount, anti-theft device discount, vintage car discount, and Automobile Association membership discount, as per policy terms. -
Does United India car insurance offer No Claim Bonus? Will it be transferred if I sell my car?
Yes. United India car insurance offers a 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 if you decide to sell the vehicle. The NCB is awarded to the policyholder for not making any car insurance claims and not to the vehicle. It can only be transferred if you switch your insurer. -
Are there any optional covers available for policy coverage extension?
Yes, you can enhance your United India car insurance coverage by opting for add-on covers by paying an additional premium amount. Some of the most valuable add-ons include zero depreciation cover, engine protection cover, roadside assistance, return-to-invoice cover, and the consumables cover. -
How can I check the policy status for United India car insurance?
You can visit the nearest United India Insurance Company office to inquire about the policy status. You can also visit their official website to check the status of your policy. Moreover, if you have purchased a policy from us, you can check its status by logging into your Policybazaar.com account. -
How can I get a United India Insurance car policy download?
A United India motor insurance policy can easily be downloaded from the insurer's official website or Policybazaar.com.
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
