"Spending a whole day looking for insurance is fun," said nobody, EVER!
United India 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 |
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| Features |
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| Inclusions |
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| Exclusions |
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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:
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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
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"GOOD"
Car InsuranceI had no claim experience with this insurance policy where i have been using it for the UNITED INDIA INSURANCE where i have been using it from last 4-5 years. The policy coverage is for full with this policy where the premium is satisfactory with this policy.Was this review helpful? 0, tinsukia![]()
Reviewed on Jan 17, 2019 -
"GOOD"
Car InsuranceI have previously used the car insurance policy with the United India Insurance where i have used it for more than 4 years as the policy is very good to use. The policy coverage they have offered is for zero depreciation policy. i had no claim experience with this policy.Was this review helpful? 0, haridwar
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Reviewed on Jan 05, 2019 -
"GOOD"
Car InsuranceI have been using the car insurance with the United India Insurance but i had no claim experience with this policy but the policy coverage is for basic for this policy. The premium what i have paid is nominal and also the IDV value is satisfactory with this policy.Was this review helpful? 0, bangalore
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Reviewed on Jan 05, 2019 -
"Hassle free"
Car InsuranceI was having a car insurance with United Insurance for last year. The claim process was good and only the premium is little higher when compared to others, other wise I would have renewed the policy with them. They have good network of workstations for cashless garages.Was this review helpful? 1, bangalore
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Reviewed on Dec 15, 2018 -
"Unhappy with the service"
Car InsuranceI had my car insurance with United India insurance last year. I also had a claim experience with them. I am not happy as the service was not up to the mark. They need to improve on the services and the policy coverage has to be more transparent.Was this review helpful? 0, chennai
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Reviewed on Nov 30, 2018 -
"Overall good"
Car InsuranceMy earlier insurer was with United India. The services was fine and I had no hassles as well. The customer support and response is good. The policy coverage value is fine and I received the policy documents for the car insurance on time. Good in all.Was this review helpful? 0, hisar
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Reviewed on Nov 29, 2018 -
"Good. Can do better"
Car InsuranceI earlier had my car insurance with United India insurance. I used it only for a month because it was for a second hand vehicle. But yes, cost wise the insurer is more costlier when compared to the other providers. The policy coverage value is also fine.Was this review helpful? 0, bangalore
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Reviewed on Nov 23, 2018 -
"Better Policy"
Car InsuranceI availed United India car policy before two year through the dealer when I purchased the vehicle. The documentation was good, there was no hassles faced from my end. I am satisfied with them. Any way I am not sure about the claim process, I was not used it.Was this review helpful? 0, lucknow
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Reviewed on Oct 30, 2018 -
"Need some scope of improvement"
Car InsuranceIt was not available easily in online to renew my old car policy, hence I done renewal with Hdfc ergo car policy, ICICI Lombard information are not transparent. They should improve on the online service, and also on customer support because I didn' t get any call for car policy renewal.Was this review helpful? 0, lucknow
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Reviewed on Oct 22, 2018 -
"Good Insurance policy"
Car InsuranceI just thought to try new car policy hence I changed my old car policy with United India, last time they gave me good service, I didn't find any lacking in their service, their customer center is also good. But I have not experienced much when it comes to car policy claim.Was this review helpful? 0, bhopal
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Reviewed on Oct 19, 2018 -
"Can do better"
Car InsuranceThough I got my hard copy for car insurance, I couldn't recall the plan benefits. But I believe the policy cover is good among all other coverage, the premium is also good. Only concern about customer service, they didn't approach me after the policy activation.Was this review helpful? 0, bangalore
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Reviewed on Oct 16, 2018 -
"Average policy"
Car InsuranceThe car showroom people has provided the insurance policy with United India while i purchase the policy. This is a third party insurance hence they have charged very less like Rs. 4000 for a premium amount. I have no idea about the policy details. I'm not interested to continue the policy with this company.Was this review helpful? 0, guntur
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Reviewed on Oct 14, 2018 -
"Its Best"
Car InsuranceIts difficult to go for renewal through United India website, the user interface should be easy to renew the policy using old policy details. The premium was best, one of my relation is working there. Hence I get good policy with better cost.Was this review helpful? 0, chennai
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Reviewed on Oct 11, 2018 -
"Government based company but claim will not be good"
Car InsurancePreviously i have taken my car insurance with United India. I didn't had any claim for these years. In United india, they have offered me a coverage amount was 1.90 lakhs and i'm happy about it. They did not provide any features like bumper to bumper. This is a first party insurance. I have done the documentation process in their branch.Was this review helpful? 0, jamnagar
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Reviewed on Oct 10, 2018 -
"Good Policy"
Car InsuranceI'm not used any of the services provided by United India health insurance. They are offering a cashless treatment. In 2013, i took this policy. This is a group insurance policy. My employer has provided this policy for me. They have offered me a coverage amount of Rs. 2.5 lakhs and its covers all the family members. The documentation process was easy.Was this review helpful? 0, hyderabad
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Reviewed on Oct 09, 2018 -
"Better policy"
Car InsuranceWhen i started buying a car, that time itself i have been renewing the policy with United India. Totally its been 20 years holding the policy with them. I have made a premium amount of Rs. 25000 nearly. I have no idea about the premium amount whatever i have paid. I'm not much sure about the policy details.Was this review helpful? 0, chennai
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Reviewed on Sep 27, 2018 -
"Satisfied policy"
Car InsuranceI 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
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Reviewed on Sep 18, 2018 -
"Good service"
Car InsuranceThe 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
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Reviewed on Sep 17, 2018 -
"Customer care needs to improve a lot. "
Car InsuranceOnce 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
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Reviewed on Sep 17, 2018 -
"AVERAGE"
Car InsuranceI 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
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Reviewed on Sep 17, 2018
