United India Car Insurance

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United India Car Insurance
  • 3100 Cashless garages

  • Plan starting @ ₹ 2094#

  • 95% Claim settlement ratio

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      United India Car Insurance

      A United India car insurance policy is designed to protect an insured private car from any unforeseen loss or damages. The insurance company has been offering car insurance policies for several years and covers private cars against unpredictable losses, damages or liabilities.

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      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, such as motor insurance, with a 100% customer satisfaction rate.

      With 84 years of experience, the insurance provider aims to provide insurance protection to all, thus helping develop the Indian economy.

      Key Features of United India Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 95%
      Personal Accident Insurance Up to Rs. 15 Lakhs
      Network Garages 3,100
      No Claim Bonus Yes
      No. of Zero Dep Claims Unlimited
      No. of Comprehensive Claims Unlimited

      Benefits of United India Insurance Car Insurance

      Benefits of United India Insurance Car Insurance

      • 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 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:

      1. Liability Only Car Insurance Policy

        Under the liability-only 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. 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.

      3. Private Car Package Policy

        The Private car package or comprehensive car insurance 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

      A policyholder can also calculate and compare the premium of a car insurance policy before purchasing one by using the Car Insurance Premium Calculator. Doing so will help them to buy a policy that fits within their pre-decided budget.

      Coverage Under United India Insurance 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 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 India Insurance Car Insurance Add-On
      Courtesy Car Cover

      Under the Courtesy Car add-on cover, the insurance company will compensate the policyholder for the expenses incurred to hire a rental car when the insured car 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

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      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 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 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.

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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 Engine Protect 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.

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      View more Add-ons

      Explore add-ons for your car insurance

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      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:

      • Select the ‘'Car Insurance'tab from the website’s homepage
      • 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, the insurer will renew your car policy. You will receive your motor insurance renewal papers at your email address.

      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:

      1

      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.

      2

      Vehicle Inspection:

      Once the claim has been registered, the insurer will send a surveyor to inspect the damages caused to the insured car.

      3

      Documents Verification:

      The surveyor will ask for some documents to process your claim. Make sure to keep all the necessary documents with you.

      4

      Claim Processing:

      Once the repairs are done in the network garage, the insurance company will pay the claim amount directly to the network garage.

      5

      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 claim under United India 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

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      FAQs

      • 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 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 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. It can only be transferred in case you switch your insurer.

      • 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
        • Fiberglass 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. Moreover, if you have purchased a policy from us, you can check its status by logging into your Policybazaar account.
      • Q6. How can I get a United India Insurance car policy download?

        Ans: A United India Insurance four-wheeler insurance policy can easily be downloaded from the insurer’s official website or from Policybazaar.com.
      View more FAQ’s

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      United India Car Insurance Reviews & Ratings

      4.7 / 5 (Based on 62 Reviews)
      (Showing Newest 10 reviews)
      Milesh
      Hyderabad, March 03, 2024
      Multiple payment methods
      I compared car plans for my Swift car according to the benefits I wanted in my car insurance plan. I chose the United India comprehensive plan because I liked the features offered in this plan. Payment made easy as Policybazaar offered me multiple payment options. Everything was so Hassle free.
      Hardeep
      Faridabad, February 20, 2024
      Best service
      Found it very easy to get in touch with Policybazaar as they give round the clock customer care. I connected with them regarding my United India insurance with an inclusion of engine protection cover for my Tata Altroz car. Buy the plan in just few minutes, great services!
      Narender
      Delhi, February 16, 2024
      Financial support
      I have secured Alto my car by taking the United India tihird party plan from Policybazaar. Now it will help me in securing my savings from being wasted on unwanted expenses. Also, the comparison is pretty easy on their website.
      Rohan
      Gurugram, February 13, 2024
      Easy to compare
      When I visited Policybazaar I had already told the team what features I am looking for in my car policy for my new Maruti Grand Vitara car. The team gave me various options as per my requirements and among them, I bought the United India comprehensive plan because it was matching my requirements perfectly. I also bought zero-depreciation policy as add-on at a very reasonable rate.
      Pratham
      Gurugram, February 12, 2024
      No claim bonus
      I did not make any claim during the policy tenure so got no claim bonus on my 4 year old Toyota Innova Crysta. I got a discount on the premium rate during the renewal of United India comprehensive car Insurance plan due to NCB. It was very easy to renew the plan online. My plan also includes personal accident cover for the driver.
      Dev
      Noida, December 13, 2022
      United India Car Insurance
      United India comprehensive car plan has eased my financial burden as my Honda City car got repaired cashless. Thankfully I had already insured my car from Policybazaar and throughout the process, Policybazaar helped in getting the claim settlement with so much ease.
      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.

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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.

      ##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.

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