United Car Insurance: Benefits, Coverages, Renewal & More!

Overview of United India Car Insurance

United India Insurance was established in 1938 and today it has over 18,300 employees serving more than 1 crore policyholders across 1340 offices in the country. The company is one of the oldest and one of the most reliable insurance companies which understands the need for car insurance and thus offers insurance products which are designed to cater to the different section of the society. Offering its policyholders a wide array of products which works on satisfying the customers, United India Car Insurance policy takes care of the customers while driving.

The United India car insurance policy is designed to provide customers with all-round solutions for car insurance needs with comprehensive coverage that helps them at times of emergencies. Providing coverage for third party liability, own damage and other important aspects, United India car insurance work for safeguarding the financial responsibility of the policyholders during emergencies.

Benefits of United India Car Insurance

Some of the benefits of United India Car Insurance are

1. United India Car Insurance provides comprehensive insurance plans for both private and commercial vehicles
2. United car insurance provides easy renewal options to its policyholders without any tedious process
3. Quick and easy approval of claims settlement
4. A wide network of garages for providing cashless services during emergencies

Features of United India Car insurance

United India Car Insurance has distinct features which provide the policyholder with an assurance of complete coverage and financial support during emergencies

1. Third-Party coverage

   United India car insurance provides coverage against liabilities arising out of damage to the third party under the following

   • Coverage against the liabilities arising due to death, bodily injury, damage to the property of the third party in case of an accident.
   • Coverage for the loss arising due the death or bodily injury of the driver/owner of the insured vehicle
   • Coverage of Rs 7.5 lakh for the damage of the property of the third party.
2. Incurred Claim Ratio

   Incurred Claim Ratio is the ratio between the claims paid against premiums earned. In simple words, Incurred Claim Ration is the ability of an insurance company to settle the claims. United India has an incurred claim ration of 91.72% in the year 2017-18.

3. Personal Accident Cover

   United India Car Insurance provides coverage to the owner/driver for bodily injury or death while travelling, dismounting or mounting of the vehicle. The compensation is paid when the following circumstances take place within six months of the incident

   • 100% compensation in case of death
   • 100% compensation in case of loss of two limbs or two eyes or loss of one eye and one limb
   • 100% compensation in case of total disability from the injuries
   • 50% compensation in case of loss of one limb or one sight
4. Network Garages

   United India Car Insurance has a wide network of certified garages which help the policyholders during emergencies. When a policyholder opts for cashless services, the insurance company makes the payment directly or reimburses the amount spent upon producing the original receipts of the invoice.

5. No claim Bonus

   The No Claim Bonus is one of the best features which allows the policyholder to enjoy a discount on the premium of next year upon renewal of the insurance policy by making no claims during the term of the policy. The policyholder gets a discount of No Claim Bonus on own damage in the preceding years. 

   The rates of No Claim Bonus are:

   Years of Zero Claim	No Claim Bonus %
   One year of zero claim	20%
   Two consecutive years of zero claim	25%
   Three consecutive years of zero claim	35%
   Four consecutive years of zero claim	45%
   Five consecutive years of zero claim	50%

Types of Plans under United India Car Insurance

There are two types of plans under United India Car Insurance

• Package Policy
• Liability only policy

1. Package Policy

   Under this plan section, one covers the own damages and covers the liability

   Own damage coverage under a package policy

   • Loss due to accident because of external means
   • Fire due to self-ignition
   • Burglary or theft
   • Terrorist activity
   • Riots or strikes
   • Natural calamities like earthquake, flood, cyclones, landslide, etc.
   • Loss to accessories due to burglary/theft

   Liability cover under Package Policy

   • Liability for loss of the third party causing bodily injury or death or damage to property
   • Personal accident cover for driver/owner
2. Liability Only Plan

   This plan covers the third party liability as mandated by the Motor Vehicle Act, covers the policyholder against the liabilities arising out of the loss to the third party. The plan covers

   • Legal liability for the death or injury of the third party
   • Loss to the property of the third party
   • Cost of the claim decided by the court
   • Expenses incurred
   • In case of death of the insured, the legal representative will be indemnified for the liabilities under the policy
     • Personal accident cover for the driver/owner for death or disability due to accident while travelling, dismounting-mounting of the vehicle
     • Covering complete legal liabilities because of accidental damage, death, injury or loss of property of the third party
     • Cost of the claim decided by the court
     • Expenses incurred

Coverage under United India Car Insurance

United India car insurance offers the following coverage

1. Third-Party Liability

   Under third party liability, United India car insurance provides

   • Coverage against the liabilities arising due to death, bodily injury, damage to the property of the third party in case of an accident
   • Coverage for the loss arising due the death or bodily injury of the driver/owner of the insured vehicle
   • Coverage of Rs 7.5 lakh for the damage of the property of the third party
2. Comprehensive coverage

   This coverage provides all-round protection both from the financial losses and from the liabilities arising out of third party loss. This plan provides

   • Coverage against losses in case of fire, self-ignition, explosion, lightning, terrorist activity, riot, earthquake, flood, cyclone, landslide, theft, burglary, damage during transit by road, rail, airways, waterways, lift, elevator, etc.
   • Personal accident cover for the owner/driver
     • 100% compensation in case of death
     • 100% compensation in case of loss of two limbs or two eyes or loss of one eye and one limb
     • 100% compensation in case of total disability from the injuries
     • 50% compensation in case of loss of one limb or one sight

Add-on coverage under United India Car insurance

United India provides some extra benefits to the policyholders on payment of some additional premium

• Extension of the geographical area: This extends the geographical area of the policy to Bangladesh, Bhutan, Nepal, Pakistan, Sri-Lanka, Maldives
• Personal Accident cover: Personal accident cover for named or unnamed passengers travelling with the insured vehicle.
• Embassies or Consulate vehicles: In case the vehicle belongs to embassy or consulate where the import duty is not included in the IDV, 30% shall be loaded on the premium value.
• Electrical fitting: accessories and fittings which are not part of a manufacturing company, can be covered upon payment of 4% additional premium.
• Bi-fuels kit: Add-on coverage for CNG, LPG, Bi-fuels kits are also available with United India Car Insurance.
• Fuel tanks: Add-on cover for the fuel tank is also available on additional premium

Discounts offered by United India Car Insurance Plan

United India Car Insurance provides the following discount benefits to the policyholders

• Discount on the vintage cars duly certified by the Vintage and Classic Car Club of India
• 25% discount is available on OD rates. Agreed value policies are issued for the coverage of these vehicles.
• 5% discount to the members of the Automobile Association of India
• 50% discount on OD premium for vehicles specially modified or designed for handicapped, blind, physically or mentally challenged person.
• No Claim Bonus for making zero claims during the tenure of the policy

Applying for United India Car Insurance Plan

Applying for United India Car Insurance is very easy as all you have to do is follow the following steps and do as required.

• Log in to https://uiic.co.in/product/motor
• Choose your policy type
• A new page opens for you to fill in the information for calculation of premium-like vehicle registration number, vehicle class, manufacturer, model, year of purchase, capacity, additional covers, etc.
• The estimated premium will be given on the basis of the information provided.
• Once satisfied make the payment online

Buying United India car Insurance from Turtlemint

Turtlemint is an online platform which allows you to compare the various options available based on your requirement. All you have to do is

• Log in to https://www.turtlemint.com/car-insurance
• Enter your vehicle registration number or registration location
• Choose what you want to do-buy or renew an insurance policy
• Enter information as asked like make and model of the vehicle, year of manufacture, fuel type, vehicle variant, personal details to get the quote
• Different insurance policies will be displayed for you to compare
• Once satisfied, you can directly buy the insurance from the page by making the payment online

Claiming process of United India Car Insurance Plan

United India car insurance has a very simple claim process

1. For accidental claims
   • Contact the insurance company and inform about the incident. A surveyor will be appointed for a survey of the vehicle and the incident
   • If the loss or damage is caused due to riot, let the car be at the place of the incident for the surveyor to inspect
   • Inform the nearest police station, in case of any death or injury of the third party. Inform the hospital where medical treatment was provided
   • After inspection of the vehicle, the vehicle will be towed to the nearest network garage
   • Submit the duly signed and completely filled claim form along with a copy of FIR, vehicle registration, copy of the driving license, original copy of the estimated receipts, cash bills, etc
   • After final inspection the car will be repaired and the claim process will be initiated
2. For theft claims
   • Inform the policy immediately and file an FIR
   • Contact the insurance company and inform about the incident. A surveyor will be appointed for a survey of the vehicle and the incident
   • Submit the duly signed and completely filled claim form along with a copy of FIR, vehicle registration, copy of the driving license, insurance document, etc
   • Once the insurance company is satisfied, the claim process will be initiated.

Documents required for making United India Car Insurance Claims

To make a valid claim in your United India Car Insurance policy, the following documents would have to be submitted –

1. The duly signed and completely filled claim form
2. The original policy document
3. The Registration Certificate of the car
4. A self-attested photocopy of your driving license
5. A copy of the policy FIR for accidental or theft claims
6. The repair bills in original with a cash receipt

Exclusions under the United India car insurance

United India car insurance has the following exclusions when it comes to claiming settlement which should be kept in mind before filing a claim

• Use of the vehicle other than the specified use
• Driving and causing damage under the influence of alcohol, drugs, or any other intoxication
• Damage caused due to self negligence
• Electrical or mechanical breakdown
• Loss caused due to nuclear war
• Consequential loss
• Use of the vehicle outside the specified geographical area

Review of United India Car Insurance

United India car insurance is one of the oldest insurance companies which is working towards providing utmost customer satisfaction in the insurance sector. Through a transparent process and fast claim settlement, United India insurance is one of the trusted insurance companies. The easy and hassle-free issuance and renewal process make it a popular brand in the insurance market. Along with providing numerous benefits under the insurance policy, United India gives its customers a sense of satisfaction and trust for a secured future.