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  • 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
      "Satisfied policy"
      0.5 3.0/5 "Satisfactory"
      I took the policy from TVS company and they have given some offer for the car insurance hence i have not got any addition benefits. They have charged additional amount for the garages which is nominal one. They will charge for the vehicle parts. I have bought this policy 3 years ago. I made a premium amount of Rs. 8000. So far i have no claim experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • review Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      The service provided in my city from United India is good. I used to pay the premium amount of Rs. 6500. I have got a IDV value of above 3 lakhs. I have got this car insurance policy in the year of 2017. I had no claim experience. They have not provided the any additional benefits.
      Was this review helpful? 0
      , jorhat
      Reviewed on Sep 17, 2018
    • review Car Insurance
      "Customer care needs to improve a lot. "
      0.5 3.0/5 "Satisfactory"
      Once i met an accident at that time i have called the United India but there is no proper response from them. The customer care number is showing it as a invalid one. I didn't applied for the claim. The company has to take of everything but it doesn't happened. 1 year back i have got this policy. I have paid 9 K for my car insurance. My uncle has recommended about United India. They have to provide valid number to the customer.
      Was this review helpful? 0
      , amalapuram
      Reviewed on Sep 17, 2018
    • review Car Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I am not satisfied with the United India Insurance because customer service is not good added on that i had a claim for 1 time that too reimbursement but i got 40-45% of claim only. I have used for 2 years but the experience is not satisfactory.
      Was this review helpful? 0
      , sangamner
      Reviewed on Sep 17, 2018
    • review Car Insurance
      "Good company"
      0.5 5.0/5 "Blown Away!"
      I was not purchased the policy through online and I have taken this policy through Agent. There is no issues regarding the claim. Everything was settled in on time. The premium amount was little bit high when i compared with other companies. That was the cashless hence i have not paid any money. I have made a premium amount of Rs. 16000 around. I have got a IDV value of more than 5 lakhs. If i get a better claim ratio and i will recommend this company.
      Was this review helpful? 0
      , allahabad
      Reviewed on Sep 17, 2018
    • review Car Insurance
      "Worst insurance "
      0.5 1.0/5 "Really Bad"
      They have very poor customer care service and the claim services. I had a very bad experience with United India Car insurance. They have taken too much time for the claim. While I'm applying for the same they have given only 70% and they don't have any cashless facility.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • review Car Insurance
      "Good policy and they should reduce the premium amount"
      0.5 5.0/5 "Blown Away!"
      I have to pay the premium by next month. Its just a 2 year old car i have been experienced with United India for 1 year. The coverage amount was really nice. I don;t have any experience about the claim and services. I have paid a premium amount of Rs. 25000 nearly. They have provided me a IDV value of Rs. 13 lakhs nearly. It is covered with bumper to bumper.
      Was this review helpful? 0
      , sultanpur
      Reviewed on Sep 12, 2018
    • review Car Insurance
      "Payment mode has to improve"
      0.5 3.0/5 "Satisfactory"
      They have to rely on the agent to come to collect the money for my premium. When i book it, when it will expired i ask the agent to collect the cash. For a very long time i have been using the United India insurance. They are not providing any online transaction. Their premium has to be reduced however i have not claimed anything as of now.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 10, 2018
    • review Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased the car insurance policy with UNITED INDIA INSURANCE because the reason is for their good service and with lowest price. I had no claim experience with this policy. I have been using this policy since last 4 years added on that they provide the zero depreciation coverage.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Sep 08, 2018
    • review Car Insurance
      "Good services"
      0.5 5.0/5 "Blown Away!"
      My car insurance policy taken with United India 3 months before. I have made a premium amount of Rs. 8298. It is a bumper to bumper available. I have been using this company for 8 years for all my vehicle. I had no claim experience with the company. They are offering a roadside assistance, no claim bonus and cashless garages.
      Was this review helpful? 0
      , tiruchengode
      Reviewed on Sep 07, 2018
    • review Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the car insurance policy with UNITED INDIA INSURANCE and i have using it since last 5-6 years where i have not experienced with claim and the premium is lower when compared with the other policies. It covers the full car and it is zero depreciation.
      Was this review helpful? 0
      , dausa
      Reviewed on Sep 03, 2018
    • review Car Insurance
      "Very Good policy"
      0.5 5.0/5 "Blown Away!"
      My car coverage upto Rs. 1 lakhs. I have taken my car insurance policy 4 months before. I made a premium amount of Rs. 13000. I had a satisfied claim experience with united India. I have got 100% claim for my car. They are providing bumper to bumper services, road side assistance and cashless garages. I have claimed upto Rs. 36000 last time however they are providing the claim of 1 lakhs.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 02, 2018
    • review Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the car insurance policy with the UNITED INDIA INSURANCE from last few years but i have not experienced with the claim added on that the premium is lower in this policy when i have compared with the others. There is a good service in this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 31, 2018
    • review Car Insurance
      "High insurance premium"
      0.5 4.0/5 "Great!"
      Three years back, i have purchased my car insurance policy with united India insurance. Anyway, i don't have any claim experience still now. I don't remember about the claim amount. They are not providing any bumper to bumper services to me.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 26, 2018
    • review Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the car insurance policy from UNITED INDIA INSURANCE since last 2012 and i had a claim too but it is completely cashless where the customer service is very good by helping with the claim. They provided me a policy coverage of bumper to bumper.
      Was this review helpful? 1
      , thiruvannamalai
      Reviewed on Aug 20, 2018
    • review Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      The customer care service was good. The car is now 1 year old hence they have reduced 10% of the total claim. I have purchased the car insurance policy with United India which is 1 month before. Since its a one month, i have not claimed anything still now by using this policy. I have taken this policy because of the low premium.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 17, 2018
    • review Car Insurance
      "WORST"
      0.5 1.0/5 "Really Bad"
      I have been using my car insure policy from United India Insurance had a claim and the reason is that i met with an accident and i had a claim of 2k but i have paid for 4k i am not satisfied with the policy also the service done by the insurance providers. I have been using it since last 6 years.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2018
    • review Car Insurance
      "Good company to take car insurance"
      0.5 4.0/5 "Great!"
      I had a very good claim experience with United India. I have purchased this United India car insurance 3 years back. I have paid the premium amount of Rs. 9000 nearly. The claim experience is nice. They have covered almost all the parts of the car. I dont have any idea about the claim amount.
      Was this review helpful? 0
      , kanpur
      Reviewed on Aug 16, 2018
    • review Car Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      As i am using my UNITED INDIA ASSURANCE for my car insurance and i have applied it through the offline and the documentation is easy. I had no claim experience. The policy coverage is for the bumper to bumper and the premium is nominal and it is good too.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 03, 2018
    • review Car Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      As i am using my UNITED INDIA ASSURANCE for my car insurance and i have applied it through the offline and the documentation is easy. I had no claim experience till date. The policy coverage is not for the bumper to bumper however it is nominal..
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 03, 2018
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