UNITED INDIA CAR INSURANCE

United India car insurance offers comprehensive insurance and third-party liability policies to protect you against a variety of damages/risks that your car may be subjected to. It provides extensive coverage and takes care of financial losses arising out of unforeseen scenarios at a highly reasonable cost.

• End-to-end private car insurance.
• Add-ons for broader coverage.
• The incurred claim-settlement ratio of 91.72%. The United India Insurance  claim settlement ratio of 94.5% for FY 2021-22. and  91.10% of claims in the three months, as per the IRDAI data for the year 2023-2024
• Attractive discounts.
• Hassle-free renewal and purchase.

United India car insurance serves millions across India through its 3,100+ strong cashless garage network and 24x7 roadside assistance​.

Read more about | United India Comprehensive Insurance and Key Benefits. 

Features & Advantages of United car Car Insurance

• Liability-only and comprehensive policies.
• Cashless options.
• Coverage for personal accident, other damages and third-party liabilities.
• Multiple discounts and no-claim bonuses.
• Convenient paperless procedures.

United India Insurance Motor Policy & Variants

1] Liability-only Policy

• United India indemnifies the insured in the event of an accident caused by or arising out of his/her car anywhere in India against all sums (costs/expenses and legal liabilities in respect of the death/bodily injury or damages to third-party property).
• Also covers costs/expenses incurred with insured individual's written consent.
• Claimant's cost- as decided by the court.
• IDV: Insured declared value (sum assured/insured), calculated as producer's selling price of the car (the same type, make, model) minus the depreciation. 5% depreciation rate for age up to 6 months, 15% for 6 months to 1 year, 20% (1 to 2 years), 30% (2 to 3 years), 40% (3 to 4 years), 50% (4 to 5 years) and as agreed between the insurer and the insured individual for age above 5 years.
• Includes a personal accident cover for the owner-driver for a specific amount. Pays 100% compensation in the event of death/loss of two limbs/vision in both eyes/one limb and vision in one eye and permanent total dismemberment. 50% in the event of loss of only one limb/vision in only one eye.
• In case of death of an insured, United India indemnifies the legal representative as per particular terms and conditions.

2] Package Policy

• Covers losses/damages to your car and/or accessories due to accidental, external means, fire self-ignition lightning, burglary, housebreaking, theft, terrorist activity, riot, strike, malicious damage, earthquake, flood, cyclone, inundation, while in transit by rail/road/air, elevator/lift and inland waterways or landslide.
• If your car needs repairs, the cover (at additional cost and specific limit) will extend to transporting it to the nearest repair centre and addressing immediate requirements.
• United India also indemnifies the insured in the event of an accident caused by or arising out of his/her car anywhere in India against all sums (costs/expenses and legal liabilities in respect of the death/bodily injury or damages to third-party property).
• Takes care of costs/expenses incurred with insured individual's written consent.
• Claimant's cost- as decided by the court.
• Includes a personal accident cover for the owner-driver for a specific amount. Pays 100% compensation in the event of death/loss of two limbs/vision in both eyes/one limb and vision in one eye and permanent total dismemberment. 50% in the event of loss of only one limb/vision in only one eye.
• In case of death of an insured, United India indemnifies the legal representative as per particular terms and conditions.

United India Motor Insurance: Add-On Covers

• Extension of the geographical area to Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka and the Maldives. An additional premium of 500 rupees/per car (Package policy) and 100 rupees/car (Liability-only policy) must be paid.
• Personal accident covers for named and unnamed persons travelling in your car, including employees.
• Electrical, electronic fittings which are not part of the car manufactured and imported are covered by paying an extra premium of 4% on the value of such fittings.
• Cars fitted with CNG/LPG Bi-fuel should be separately declared, and a premium is chargeable at 4% on the value of these kits.
• Fibreglass fuel tanks: 50 rupees in addition to the own-damage premium.

Exclusions of United Car Insurance Policy

• Contractual liabilities, loss, depreciation, wear-and-tear, mechanical or electrical break down.
• Damages due to driving the car under the influence of intoxicating liquor/drugs.
• Claims arising outside the geographical area specified in your policy or while the car is used in contravention of the limitations.
• When an individual drives the car without a valid driving license.
• War and nuclear perils.

United India Car Insurance Online: Discounts

• Cars manufactured before 31.12.40 and duly certified by the "Vintage and Classic Cars Club of India" get a 25% discount.
• No-claim bonus: 20% to 50% depending on the number of claim-free years.
• Automobile association membership discount of 5% on the own-damage premium (a maximum of 200 rupees).
• Discount for ARAI-approved anti-theft devices: 2.5% (a maximum of 200 rupees).
• Usage of the car within the insured's premises: 33% discount on tariff rates.
• A discount of 50% on cars specially designed for the disabled.

United Car Insurance Premium

The premium for your car insurance policy is based on factors such as IDV, the make/model, year of purchase, registration and the city.

One can compare policies and plans by visiting United India Insurance's official website. Alternatively, you may use established online insurance comparison portals such as QuickInsure  to explore quotations, simplify and speed up the process of buying car insurance.

United India Car Insurance Renewal & Application

One can apply united india car insurance renewal policy by viewing and comparing quotes online through insurance comparison platforms such as QuickInsure. 

Read more about  | United Insurance car Insurance Addons and its coverages.

United India Car Insurance Review

United India car insurance from "United India Insurance Company Limited" carries a trustworthy reputation for providing simplified, yet immensely useful plans. Be it the basic and mandatory third-party liability-only policy or a comprehensive one; it is considered the go-to choice for anyone interested in reliable coverage.

Are you looking more information about united car insurance for motor bike ? where Cashless Claims, Multiple Add-ons and NCB Benefits which will be more beneficials for you.

United India Car Insurance: FAQs

Q: Can you please define private car insurance?

It is an insurance that safeguards the financial interests of owners with an insurable interest in cars used for private purposes. Subject to specific terms or conditions, the passengers and paid employees can also be included.

Q: Is there a deadline for renewing my policy purchased online?

45 days before the expiry.

Q: What should I do if my old car insurance has already expired?

Obtain new insurance. Your car will be physically inspected by an authorised company official, representative or agency.

Q: What are the different premium payment modes offered by United India?

Cash payment at your nearest branch, online payment using debit/credit cards, net banking and M-Power (a premium payment facility through a mobile phone). You can click here to download United India insurance policies through their official links.

Q: What are the steps necessary for claim settlement?

Accidental losses:

• Contact United India's branch where your insurance was issued or any nearest office if the accident occurs at a location other than the city/town of policy purchase.
• The insurer will send a surveyor.
• If the case of significant loss ( riot losses/fire), please keep the car at the site of the accident until it gets inspected by a surveyor.
• If there were injuries or deaths of third parties, you must inform the nearest police station.
• If you have helped the victims in getting medical attention in a hospital, inform the insurer.
• Get your car towed to any authorised garage and get a quote for necessary repairs.
• The insurance company pays the claim amount (after reducing your liability) directly to the car workshop (cashless settlement).
• Also, share the original FIR (mandatory in case of injuries to third-parties).
• Once the repair work is completed, submit cash bills and request reimbursement (reimbursement claim).

Salvage:

• It is a damaged car that an insurance company takes over to minimise the loss incurred (after paying the claim).
• If your car gets tagged as a salvage, you should take more-than-usual-care to preserve it in its present form until the claim settlement process is completed.
• United India has the right to inspect a salvage car whenever needed.
• If your claim settlement is delayed due to unforeseen situations, you can take the help of the insurance company/the surveyor for disposal of the salvage.

Theft:

• In case your car gets stolen, immediately inform the police and the policy issuing branch.
• Delays in lodging the FIR and informing the insurer may result in claim rejection.
• Submit the updated insurance claim form to the insurer. The claim-settlement process begins.
• All claims are then quickly settled transparently.

 

Head office-United India Insurance: 91-044-28520161.

Toll-free number: 1800 425 33333.

Email: customercare@uiic.co.in.

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details