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.
|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|
|Host of discounts|
|Good add-on options|
|No claim bonus|
The following are the add-on options available under United India:
Loss or damage caused due to:
||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|
|Loss of accessories by theft|
|If used/driven outside geographical area|
|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 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.
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.
Let’s explore the cashless claim process:
Let’s explore the reimbursement claim process:
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