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About 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.

United India Claim Settlement Ratio

97%

United India

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. United India has a claim settlement ratio of 97%, as compared to the industry average of 94.67%.

United India Car Insurance Plans Overview

United India car insurance offers 2 car insurance plans. The premium of these plans starts from Rs. 1994/yr. Details of the comprehensive coverage provided by the following 2 United India car insurance plans are listed below:

United India Comprehensive Car Insurance

Starting Premium- ₹ 2,795/yr

There are types of United India Comprehensive plans

  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

United India Third Party Car Insurance

Starting Premium- ₹ 1,994/yr

There are types of United India Third Party plans

  1. 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

United India Premium Calculator

Use our United India car insurance premium calculator to estimate United India car insurance premium for your car within 30 seconds

Add-ons Available Under United India Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. United India Car insurance plans offer the following types of add-ons with the comprehensive policy:

This extends the geographical area of the policy to Bangladesh, Bhutan, Nepal, Pakistan, Sri-Lanka, Maldives

Personal accident cover for named or unnamed passengers travelling with the insured vehicle.

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.

accessories and fittings which are not part of a manufacturing company, can be covered upon payment of 4% additional premium.

Add-on coverage for CNG, LPG, Bi-fuels kits are also available with United India Car Insurance.

Add-on cover for the fuel tank is also available on additional premium

Features Of United India Car Insurance Plans

Benefits of United India Car Insurance

  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

  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.
  1. 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.

  1. 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
  1. 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.

  1. 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.

Exclusions Under United India Car Insurance Plans

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

How To Raise A Claim Under United India Car Insurance

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 Claims

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

United India Customer Care

Customer Care Number

FAQs

United India has package policy and liability only policy for car insurance

Yes, subjected to adjustment in the premium and in the balance of policy period, the vehicle can be substituted on a pro-rata basis

Yes, the Motor Vehicle Act makes it compulsory to have car insurance with third party cover

Engine failure is covered under the comprehensive car insurance and not under the third party liability cover.

Cancellation is possible before expiry. You can cancel it by visiting the nearest branch and filling the surrender form.

Insured Declared Value or IDV is the amount the policyholder is entitled to receive upon claim and decided at the beginning of the policy. It is determined with depreciation and the showroom price of the vehicle.
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