• United India Car Insurance - Check Plan Details & Reviews Online

    Car Insurance
    • Protect yourself with third party or comprehensive cover
    • Use bumper to bumper policies to reduce your liability
    • Enjoy facilities like zero depreciation and roadside assistance covers

    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 2017-18 91.72%
    Net Earned Premium 2017-18 5748.32 crore
    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

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