Q1. Does the United India third-party car insurance provide coverage for property damage caused to the third party in an accident?

Ans: Yes. United India third-party car insurance covers third-party property damages caused in an accident involving the insured car.

Q2. Is personal accident cover mandatory?

Ans: Yes, PA is a mandatory cover that insurers have to provide along with a third-party vehicle insurance policy.

Q3. Does third-party car insurance cover loss and damage caused by natural calamity?

Ans: No. Losses and damages due to natural calamities are not covered under third-party car insurance plans.

Q4. Can I renew my expired third-party four-wheeler insurance?

Ans: Yes. You can easily renew your expired car insurance online provided it has not been more than 90 days from its expiration date. Post this grace period, you are required to buy a new policy.

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United India Third-Party Car Insurance

The United India third-party car insurance policy is a necessary cover offered by the United India Insurance Company Limited to vehicle owners. This insurance plan protects policyholders against any legal or financial liabilities that may occur if their insured vehicle causes any damage to the third party person or property in an accident.

Instant Access: Since there is no inspection or much documentation involved, it is very easy & time-saving to buy car insurance online with third-party coverage.
No Legal Hassles: As per Indian motor laws, a third-party car insurance policy is a mandatory cover that keeps all your legal and financial worries away in the event of any damage caused to the third party person/property involving your insured vehicle.
Speedy Claims: United India's claim settlement process is rapid and hassle-free. All car insurance claims get settled in the shortest possible period.

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Coverage Under United India Third-Party Car Insurance

Inclusions
Exclusions

Coverage for the accidental Injury or death of the third-party person caused by the insured vehicle
Up to Rs. 7.5 Lakh cover for third party property/vehicle damages
Personal accident (PA) cover for owner/driver. Compensation of up to Rs. 15 Lakh is provided to the policyholder or beneficiary in the event of accidental death or permanent disability.

No cover is provided for own damages caused to the insured vehicle
Losses caused due to war-like situations, natural disasters, nuclear perils, theft, etc.
Consequential damages to the insured vehicle are also not covered
Electrical or mechanical failure of the insured vehicle
Driving under the influence of alcohol/drugs or without a valid driving licence
Vehicle usage violating the 'limitations as to use'

How to Purchase United India Third Party Car Insurance Policy?

Here's a quick and easy process to purchasing United India third-party car insurance online:

Visit Policybazaar.com and select 'Car Insurance.'
Enter your car number and click 'View Prices.'
Now, enter your car's make & model, variant, fuel type, RTO, and registration year.
Fill in the proposal form and proceed forward.
Now, from the list of various four-wheeler insurance plans offered by multiple insurers, select United India third-party car insurance and check policy details.
Select the amount for personal accident cover that fits your needs.
Now choose the desired plan and proceed to make the policy premium payment.
You can pay the amount online via various payment methods, such as credit/debit cards, net banking, and UPI.
Once the payment is successful, you will receive your United India third-party car insurance policy documents in your registered email.

Documents Required to Raise United India Third Party Car Insurance Claim

You can raise a claim on your car insurance policy by keeping the following documents handy with you:

Vehicle insurance policy
Original/Copy of Police FIR
Duly filled & signed claim form
Copy of driving licence
Copy of insured car's registration certificate
Photos of the accident site
Hospital bills, discharge summary, doctor's certificate (only applicable if any injury caused to the third person)

FAQs

Q1. Does the United India third-party car insurance provide coverage for property damage caused to the third party in an accident?

Ans: Yes. United India third-party car insurance covers third-party property damages caused in an accident involving the insured car.
Q2. Is personal accident cover mandatory?

Ans: Yes, PA is a mandatory cover that insurers have to provide along with a third-party vehicle insurance policy.
Q3. Does third-party car insurance cover loss and damage caused by natural calamity?

Ans: No. Losses and damages due to natural calamities are not covered under third-party car insurance plans.
Q4. Can I renew my expired third-party four-wheeler insurance?

Ans: Yes. You can easily renew your expired car insurance online provided it has not been more than 90 days from its expiration date. Post this grace period, you are required to buy a new policy.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

Car Insurance Articles

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25 Nov 2025

United India Third-Party Car Insurance

Benefits of United India Third-Party Car Insurance

Explore More Under United India

Coverage Under United India Third-Party Car Insurance

How to Purchase United India Third Party Car Insurance Policy?

Documents Required to Raise United India Third Party Car Insurance Claim

FAQs

Q1. Does the United India third-party car insurance provide coverage for property damage caused to the third party in an accident?

Q2. Is personal accident cover mandatory?

Q3. Does third-party car insurance cover loss and damage caused by natural calamity?

Q4. Can I renew my expired third-party four-wheeler insurance?

Explore More Under Car Insurance

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