"Spending a whole day looking for insurance is fun," said nobody, EVER!

    United India Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    United India Insurance Company Limited is a popular name in the insurance industry. The company has more than 1 crore policyholders with 1,340 branch offices across the country. They provide a wide range of insurance services including car insurance.

    Car Insurance Online from United India Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages NA
    Incurred Claim Ratio 2016-17 89.77%
    Net Earned Premium NA
    Covers Provided
    • Depreciation
    • No claim bonus
    Features
    • Quick claim settlement
    • Instantaneous purchase
    • Wide range of add-ons
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Number of discounts- United India provides a number of discounts on premium. Customers will be given a discount of up to 50% on no claim bonus. An additional discount will be provided to those who are members of an automobile association. Those who own vintage cars will get a discount of 25% on own damage premium. Also, for policyholders with an approved anti-theft device, an special discount of 2.5% on own damage will be provided.
    • Easy purchase online- Purchasing a car insurance policy is very easy and can be done just by following a few simple steps online. Details of the policyholder and the car details need to be filled to get an insurance quote online. Payment can be made online immediately if the prospective buyer is happy with the quote.
    • Customer support- A well-trained customer support team is available 24/7 to resolve queries, provide claim support and hasten the claim settlement process. A customer can contact the support team at any point during the policy tenure.
    • Quick renewal and claim settlement- Policyholders can renew the policy online in a swift manner without any delays and paperwork. When it comes to claims, they are settled in a hasty and efficient manner.

    Easy Steps To Apply for United India Car Insurance Online

    • Log on to the United India General Insurance website and click on the ‘purchase motor insurance policy online’ option.
    • Fill in details under the step 1 option through which premium can be calculated.
    • If the prospective buyer is happy with the insurance quote, payment can be made online after providing basic details.
    • The policy document will be available to the policyholder as soon as possible.

    Why United India Car Insurance

    Host of discounts
    Good add-on options
    Comprehensive coverage
    Cashless garages
    No claim bonus

    Add-on covers on United India Car Insurance

    The following are the add-on options available under United India:

    • Extension of geographical area- Upon payment of an additional premium, the customer becomes eligible to extend his/her geographical area of coverage. Extension can be obtained in countries like Maldives, Sri Lanka, Pakistan, Nepal, Bhutan and Bangladesh.
    • Electrical fittings- All those electrical equipments that are not included in the policy need to covered additionally with this add-on option. An extra premium of 4% will be charged for this benefit.
    • CNG/LPG Bi-fuel kits- This provides protection to the CNG or LPG kits that have been installed in the car. Cover is also given for b-fuel vehicles with two types of fuel engines. Any damage cost to any of these parts will be covered under this add-on option.
    • Fuel tanks- Any damage caused to the fuel tank of the car will be covered under this add-on option.

    Inclusion & Exclusion

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
      War related risks
      Consequential loss
      Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - United India Car Insurance

    • The Insured Declared Value (IDV) of a vehicle is usually determined at the beginning of the policy term. It is nothing but the amount that the policyholder is entitled to receive from the insurance company when a claim is initiated.
    • The IDV is calculated by taking into account the percentage of depreciation and the showroom price of the car. This is how IDV is calculated for vehicles that are less than five years old.
    • For a car that is more than 5 years old, or a model that is currently out of the market, the IDV is determined based on an agreement between the insured party and the insurance provider. The below table is sample of how IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    United India Car Insurance Cashless Garages

    United India has a wide network of cashless network garages that provides good quality services to customers across the country. Information about the list of garages can be accessed by logging on to the United India Insurance.

    Claim Process under United India Car Insurance

    Claims can be made online without any hassles. In case of an accident, inform the insurance provider immediately. If the accident has occurred outside the jurisdiction from where the policy was issued, a survey will be conducted to ascertain the amount of loss. In case any injuries have been caused due to third party damage or in case of a theft, an FIR has to filed at the nearest police station. Repair works cannot be carried out before a surveyor examines the damage caused to the vehicle and gives a go ahead signal.

    Cashless Claim Process under United India Car Insurance

    Let’s explore the cashless claim process:

    • Inform the insurance provider and give relevant information, including policy details and cause of damage
    • A surveyor will come to the spot and assess the extent of damage caused
    • The car can be towed to the nearest network garage for repair

    Reimbursement Claim Process under United India Car Insurance

    Let’s explore the reimbursement claim process:

    • Inform the insurance provider at earliest
    • Keep all bills and invoices ready
    • Fill in the claim form
    • Submit the claim form along with all bills and documents
    • The reimbursement is usually made within 7 working days

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    United India Car Insurance Reviews

    • review Car Insurance
      "Process and features are good"
      0.5 5.0/5 "Blown Away!"
      My car insurance was done by an agent who is near by to my place. He came over and I got my insurance done with United India. The policy coverage is good. The premium is also nominal. There are good features like the cashless garages and the road side assistance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • review Car Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I am using my car insurance from the UNITED INDIA it is satisfactory to me. Once i had a claiming experience too with my car insurance. Documentation i have done at my doorsteps which is very simple and easy. Policy coverage is good and benefit is good.
      Was this review helpful? 0
      ,
      Reviewed on Jul 09, 2018
    • review Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      This year I have renewed my car insurance with United India. The best about the policy is the policy coverage. The premium is normal as well. It has been a good deal with the insurer. I had no hassles in the process to buy the policy. It was smooth and easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 25, 2018
    • review Car Insurance
      "Services needs improvement"
      0.5 2.0/5 "Expected more"
      United India provided a good policy coverage for my car insurance. There are proper benefits and facilities provided in the policy. But the process to buy the policy is not convenient. I had to personally go over and buy the policy, there is no online option.
      Was this review helpful? 0
      , durgapur
      Reviewed on Jun 21, 2018
    • review Car Insurance
      "IDV value was low"
      0.5 4.0/5 "Great!"
      Previously my car insurance was with United India Insurance. The IDV value which they provide was low price. So after completing the policy i have taken a different policy from the competitor. The have shared all the documents and information at the time of policy itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • review Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      United India insurance was good overall for the car insurance policy. The customer services and response is good. But there can be more benefits and the IDV can be better. The premium also can be more lesser. I did not have any claim experience.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 08, 2018
    • review Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      I earlier had my car insurance with United India insurance. The process was not online like the current experience. For this earlier policy I had to physically visit the office and get everything done. The premium is also on the costly side.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Jun 04, 2018
    • review Car Insurance
      "Can provide a better IDV"
      0.5 4.0/5 "Great!"
      I earlier had my car insurance with United India Insurance. Though they have done a good job in the process to get the policy. This time I did not go ahead with them because they need to improve on the customer services and also they need to provide a better IDV. There i also no feature of a road side assistance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 02, 2018
    • review Car Insurance
      "Lots of facilities with low premium"
      0.5 3.0/5 "Satisfactory"
      Since I having a car. I took my insurance policy from United India insurance. I have paid Rs. 6000. They have given roadside assistance, Medical assistance, Cavin assistance, Helping cab benefits, Van recovery service charges. If Roadside medical assistance is there it would be fine.
      Was this review helpful? 0
      , madurai
      Reviewed on May 17, 2018
    • review Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I previously had a car insurance policy from United India Assurance, I was satisfied with the policy, as the policy coverage was good and it was not too hefty for me. The premium amount was less hence I decided to go with for my two wheeler insurance policy.
      Was this review helpful? 0
      , tumkur
      Reviewed on May 12, 2018
    • review Car Insurance
      "Service is poor"
      0.5 2.5/5 "Just OK"
      I had applied and got a Car insurance from public insurance company UNITED INDIA INSURANCE. By comparing to premium amount is quite high with existing policy. Most of all benefits are covered under one policy. But i have a suggestions that they have to improve their services and customer services also. I didn't have any proper communication and regarding my policy and updates too. I didn't have any claim experience so i am un able to comment on it.
      Was this review helpful? 0
      , sirsi
      Reviewed on Mar 18, 2018
    • review Car Insurance
      "Best policy"
      0.5 4.0/5 "Great!"
      I own a Car insurance policy from the top most private sector insurance company UNITED INDIA INSURANCE since 15 years. I had applied claim request and they approved too. While i contacted the customer support they had explained the claim procedure that helps me to get a claim approval.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 18, 2018
    • review Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a car insurance policy from United India. The premium in the policy is little high other than that I am satisfied with the policy. Everything was fine with the policy, my final premium is around Rs. 17,000 and the Idv is around Rs. 2,00,000. I have no issues recommending this policy to others.
      Was this review helpful? 0
      , asansol
      Reviewed on Mar 07, 2018
    • review Car Insurance
      "Its Average"
      0.5 2.0/5 "Expected more"
      My United India Insurance experience was good, earlier they gave me IDV value around Rs. 1.4 lakh for premium of Rs.5600. It was once I met with an accident where the right side of mirror side got bend. I took it to the showroom within a day' s time they rectified everything. But they charged Rs. 2700 and insurance company paid Rs. 3000 totally Rs. 5700 was charged.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • review Car Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      United India Insurance has different planes, I have selected only third party damage cover for man made and natural calamities. Hence I paid the premium around Rs.1100 for one year. I have MARUTI SUZUKI Alto its good and my vehicle has good protection.
      Was this review helpful? 0
      , tirupur
      Reviewed on Mar 06, 2018
    • review Car Insurance
      "Average "
      0.5 3.0/5 "Satisfactory"
      My previous policy for car insurance was from United India insurance policy. The problem with the policy was the premium which was high. The final premium was around Rs. 10,000 I was not satisfied to pay that amount irrelevant to Idv. However I would like to rate this policy as an average policy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 05, 2018
    • review Car Insurance
      "a best experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from private insurance company UNITED INDIA INSURANCE. By comparing to premium amount is quite high with present policy. Most of all benefits are covered under one policy. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 23, 2018
    • review Car Insurance
      "a best experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance policy from a UNITED INDIA INSURANCE through a on line partner. I am totally satisfied by their policy because they are providing cashless benefits. I didn't have any claim experience since when i bought my car insurance policy.
      Was this review helpful? 0
      , hamirpur
      Reviewed on Feb 22, 2018
    • review Car Insurance
      "A good product"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a car insurance from UNITED INDIA INSURANCE company. I didn't have any claim experience so i cant able to comment on it. Mostly i can choose on line payments to pay and renew my car insurance policy. The premium is Rs.8700/- which is affordable when compared with other insurance companies.
      Was this review helpful? 0
      , alwar
      Reviewed on Feb 20, 2018
    • review Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am satisfied with the previous policy that I had with United India, the premium was fine it was around Rs 15,000. It was a satisfactory policy, I did not have to face any difficulty. The processing was done on time and I received the policy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
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