United India Car Insurance

112 reviews Rate This
    Network Garages3,100+
    Claim Settlement Ratio82.93%
    Policies Issued (FY-19)1.75 Crore+
    Third Party CoverAvailable
    Zero DepreciationAvailable
    AccreditationAAA/Stable Rating by CRISIL

    About United India Car Insurance

    United India Insurance Company is a popular face in the car insurance industry of India. It is a public sector company headquartered in Chennai and has been at the forefront when it comes to designing and implementing reliable car insurance policies to a large customer base. The company has a pan India presence and is also known for its pioneering efforts in taking car insurance to the masses in order to quench their varied requirements.

    It was incorporated on 18th February 1938 and later nationalised in 1942. Previously, it operated as a subsidiary of the General Insurance Corporation of India (GIC) but got autonomy along with three other primary subsidiaries, namely New India Assurance, Oriental Insurance and National Insurance, when the GIC became a re-insurance company as per the IRDA Act 1999. A total of twelve Indian insurance companies, four co-operative insurance societies, five foreign insurers with Indian operations and the general insurance operations of the southern region of Life Insurance Corporation of India were merged with United India Insurance Company Limited.

    Shri Girish Radhakrishnan operates as Chairman cum Managing Director of United India Insurance. After nationalisation, the company has taken leaps in the general insurance sector and is now working with a workforce of 18,300 people working in 1340 offices across India.

    The general insurance company claims to cover more than 1 crore insurance holders and has a wide range of insurance products that includes car insurance policies, two-wheeler insurance policies, health insurance policies, fire insurance policies, marine insurance policies, industrial insurance policies, etc. When it comes to car insurance, the insurer offers reliable third party car insurance policies as well as comprehensive car insurance policies at affordable premiums.

    The insurer is leading the sector in offering complex policies, as in cases of ONGC Ltd, GMR- Hyderabad International Airport Ltd, Mumbai International Airport Ltd Tirumala-Tirupati Devasthanam etc. Besides corporate solutions, the company has also established a stronghold in more than 200 tier II & III towns and villages through its innovative Micro Offices and has actively helped in the implementation of a plethora of Union government’s programmes.

    United India Car Insurance

    When it comes to car insurance plans, United India presents third-party car insurance policy as well as comprehensive car insurance policy to its policyholders at the most reasonable premiums rates in the market. These car insurance plans can be easily purchased online without any trouble via through the insurance company’s website or from some known insurance platforms. To get additional car insurance coverage, one can also buy add-on covers along with the comprehensive car insurance plans at affordable prices from United India General Insurance. In order to make people grab cost-efficient insurance deals, the insurer offers various discounts like Automobile Association Membership Discount, No Claim Bonus, Discount for Anti Theft Devices, etc.

    The insurance company hosts 8 car insurance add-on covers to choose from such as nil depreciation cover, return to invoice, engine and gearbox cover, courtesy car cover, medical expenses cover, electronic fittings cover, fiberglass fuel tank cover, and CNG/LPG bi-fuel kit cover. In addition to this, the insurer also provides you personal accident cover for owner-driver up to a specified sum insured, where it gives compensation in case of a bodily injury while getting on or off from the insured car or while riding as a co-driver or whilst driving etc., which resulted into death, loss of limbs or eye-sight, or permanent disablement.

    Significant Points of United India Car Insurance



    Third Party Property Damage

    Up to Rs. 7.5 Lakh

    Own Damage Cover

    Coverage for Own Car for Its Loss and Damage

    Personal Accident Cover

    Up to Rs. 15 Lakh

    Add-on Covers

    8 Add-on Covers

    Claim Assistance

    24/7 Claim Assistance

    How to Buy United India Car Insurance Policy Online?

    When it comes to online insurance purchase, you can buy a United India car insurance plan either directly from the insurance company website or from the InsuranceDekho platform. Below described are the policy purchase processes of both the types.

    How to Buy United India Car Insurance Policy From InsuranceDekho?

    Following is the process to purchase a car insurance plan from the InsuranceDekho platform:

    Step 1: Visit the website of InsuranceDekho and click the ‘Car’ tab on the homepage.

    Step 2: Enter the registration number of your car or click on the ‘click here’ option, if you do not know the number of your car. After this, you will have to choose brand, model, variant, registration year and registration location of your car and fill up the mobile number and email ID. After filling up all these details, you just have to click on the ‘Get your Quote’ button.

    Step 3: The insurance policy premium cost provided by different insurance providers will be displayed on the next page.

    Step 4: You can select various add-on covers as per your budget and requirements before confirming your insurance plan.

    Step 5: Pay the premium for the opted insurance policy through debit card, credit card, net banking, and so on. Your policy document will be sent in the inbox of your registered email ID.

    How to Buy Car Insurance From the Website of United India General Insurance?

    Below is the process to buy the car insurance from the website of United India General Insurance:

    Step 1: Visit the United India General Insurance website and select the Motor option and click on the ‘Buy’ button. After this, you will have to select the type of insurance cover you wish to buy.

    Step 2: Enter a few details such as registration state, manufacturer name, model name, make year, RTO name, IDV, make month, date of registration, etc., and then click on the button to see plans.

    Step 3: Select one plan from different policy quotes provided by the insurance company. You can also add a few add-on covers in your car insurance policy, if required.

    Step 4: Make payment for the selected insurance policy quote through a debit card or credit card, net banking or e-wallets. You will get the insurance plan document through an email after the payment.

    Calculate Your Car Insurance

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    Benefits of Car Insurance

    • United India Insurance has an exceptional incurred claim settlement ratio of 91.72%. This figure implies that the company has vouchsafed more claims than most of the general insurance companies in India.
    • The company has a workforce of 18,300 people working in 1340 offices across India. Moreover, it has a strong presence in rural India covering over 200 tier II & III towns and villages.

    United India Car Insurance Add-ons

    • Extension of the geographical area

      If needed, one can extend the coverage of his/her car to the following nations:

      • Bangladesh
      • Bhutan
      • Nepal
      • Pakistan
      • Srilanka
      • Maldives
    • Accessories coverage

      The standard policy doesn’t cover the accessories of the insured car. However, with this add-on, you can cover the electrical/electronic fittings which do not form part of the vehicle manufactured by paying an additional premium of 4% on the value of such fittings

    • LPG/CNG Bi-fuel kits coverage

      Cars fitted with LPG/CNG kits have to be separately declared and one can cover these kits with an additional premium of 4%

      **Conditions are subjected to change depending upon the insurance company.**

    United India Car Insurance Claim Process

    It's 5 step simple process,Hassle FREE
    • 1

      Contact the policy issuing office

      Contact the insurance provider immediately via any of its nearest offices. List of offices is available on the company’s website.
    • 2

      Survey by the company

      After informing the nearest office, the company will arrange a surveyor to inspect the accident and the damage caused to the vehicle. The surveyor will report to the company.
    • 3

      Inform the local police station

      In case of any third party injuries/deaths immediately inform the nearest police station and register an FIR. A copy of FIR will have to be submitted to the company.
    • 4

      Get the estimated cost of repair

      Tow the vehicle to an authorized workshop and get the estimated cost of repairs, which, in turn, will be submitted to the company along with the claim form.
    • 5

      Let the company do the rest of the job

      After all the formalities, the company will proceed with rendering the claim amount as soon as possible. The claim amount will depend on the type of coverage opted for while purchasing insurance.

    207 United India Cashless Garages in India

    Must Read Articles before buying United India Car Insurance

    United India Car Insurance User Reviews

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    What users are saying
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    • very nice so very excellence

      i am first time in use this side so very nice so very excellence i am show in your friends group in your side ...

      Maruti Wagon R Kota
      On: July 29, 2021
    • Good support

      Good support from executive during the policy description and support for guidelines for purchase the policy, ...

      Chevrolet Beat Jabalpur
      On: July 24, 2021
    • Four wheel insurance

      Excellent advise and support, Customer representative guided me step by step and also the types of the insuran...

      Maruti SX4 Bangalore
      On: July 16, 2021

      GREATIt was very smooth buying. Did not requiere any assisrtance. Details weer very transparents without any h...

      Maruti XL6 Indore
      By AMRIT LAL
      On: July 14, 2021
    • Awesome quotes

      Very user friendly and simple procedure and very less details needs to fill , less price quotes are available ...

      Honda Mobilio Secunderabad
      By Ekambaram Ramagiri
      On: July 3, 2021
    • Service Given By Company

      Overall Best Service Given By person who was constantly contacting and solving my quarries all the time..exper...

      Ford Aspire Pune
      On: June 29, 2021
    • Superb Feel

      Very nice and easy to access. Lets hope it will be same when any claim against the insurance. It is very easy ...

      Mahindra Scorpio Kendujhar
      On: June 21, 2021
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      Behaviour of Mr. Rohit Yadav is very good. Friendly and attractive voice and way of communication. I like his ...

      Renault Lodgy Faridabad
      On: June 19, 2021
    • Very Good Experience

      Very smooth and easy process. The executive Mr Rishab was very polite, courteous and helpful in the entire pro...

      Honda CR-V New Delhi
      By Pavneet Singh Arora
      On: June 18, 2021
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      Honda Amaze Gorakhpur
      On: April 23, 2021
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      Toyota Corolla Altis 2013-2017 Gurgaon
      On: April 1, 2021
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      Honda Amaze Gorakhpur
      On: March 31, 2021
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      Mahindra e2o aluva
      By Jiji Varghese P J
      On: March 30, 2021
    • Digital policy issuance

      When I issued the Universal Sompo Comprehensive car insurance policy digitally using InsuranceDekho, I did not...

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      On: March 23, 2021
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      Hyundai i10 Hardoi
      On: March 22, 2021
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      Tata Harrier Hyderabad
      By Rajendran Chingaravelu
      On: March 22, 2021
    • Good site to buy insurance

      It is quite a user friendly and easy to buy a car insurance plan. I will recommend all my friends and family m...

      Mahindra e2o Bangalore
      By Dinakar Reddy
      On: December 30, 2020
    • Excellent service

      Very good insurance rates with high IDV. Very convenient and simple. All information was collated automaticall...

      Tata Tiago 2019-2020 Ranga reddy
      On: December 28, 2020
    • Easy to buy a new car policy

      Self-inspection was easy to follow and complete. The coordinator was co-operative and explained the process we...

      Nissan Sunny 2014-2016 Navi Mumbai
      On: December 23, 2020
    • Thanks a lot to customer execu...

      Your executive helped me in the whole procedure like selecting a policy and answered my all doubts regarding p...

      MAH. THAR Kota
      By Naresh kumar Dhaka
      On: November 26, 2020
    • Easy car insurance

      Smooth process. It was easy to navigate. I was able to compare all insurance company quotes. It is a nice port...

      Toyota Corolla Altis 2013-2017 Gurgaon
      On: April 1, 2021
    • Easy comparison

      With the help of the website of Insurance Dekho, I could compare different car insurance plans. I must say tha...

      Read More
      By Neha Singh
      On: February 19, 2020
    • Simple comparing technique

      I never expected that comparing car insurance policies would be so easy. On the Insurance Dekho website, I jus...

      Read More
      By Tushar Ranganathan
      On: February 14, 2020
    • Saved effort and time to comp...

      As I love to research before investing, I used Insurance Dekho to compare car insurance policies of different ...

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      By Kalyan Pandya
      On: January 23, 2020
    • Seamless procedures

      Insurance Dekho provides you with the most seamless procedures to take a car insurance policy. It allows you t...

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      By Rohan Mehra
      On: January 22, 2020
    • Liked this site

      I love this site as it fulfilled all my requirements that I didn't expect to get so easily. I would strongly s...

      Read More
      By Shreya Patel
      On: January 3, 2020
    • Awesome quotes

      Very user friendly and simple procedure and very less details needs to fill , less price quotes are available ...

      Honda Mobilio Secunderabad
      By Ekambaram Ramagiri
      On: July 3, 2021
    • Many benefits

      The team at InsuranceDekho suggested United India’s car insurance policy for my Renault Kwid car. I really lik...

      Read More
      By Sakshi Jain
      On: July 9, 2020
    • Availability of add-on protect...

      InsuranceDekho provided me with different add-on covers to enhance my United India policy coverage for my Niss...

      Read More
      By Jitendra Meena
      On: June 2, 2020
    • Digital policy issuance

      When I issued the Universal Sompo Comprehensive car insurance policy digitally using InsuranceDekho, I did not...

      Read More
      By Madhurima Gupta
      On: March 23, 2021
    • Great client support team

      United India has a perfect team to handle and support customers. I have a comprehensive plan for my Ford Aspir...

      Read More
      By Bhuwan Gaur
      On: April 24, 2020
    • Insurance Dekho is the best

      You are the website that has been my saviour! Without you I can’t even imagine what might have happened to me ...

      Read More
      By L. Acharya
      On: January 2, 2020
    • Superb Feel

      Very nice and easy to access. Lets hope it will be same when any claim against the insurance. It is very easy ...

      Mahindra Scorpio Kendujhar
      On: June 21, 2021
    • Speedy claim settlements

      United India General Insurance has a good claim settlement ratio which ensured a successful and speedy claim e...

      Read More
      By Yusuf Khan
      On: April 28, 2020
    • Quick Claim settlement

      I received my claim requested in very less time from United India Insurance. The firm has been insuring my Hyu...

      Read More
      By Hemant Parekh
      On: April 20, 2020
    • Got my claim easily

      When I wanted to make my claim, I rushed to Insurance Dekho and got to know the actual process to request the ...

      Read More
      By Rashid Khan
      On: March 18, 2020
    • Settled my claim easily

      The committed staff of the Insurance Dekho assisted me in settling the claim requests. They infuse their exper...

      Read More
      By Rashid Khan
      On: March 12, 2020
    • User-friendly policy

      InsuranceDekho provided me with a very fast experience of comparing various car insurance policies. I got good...

      Read More
      By P.N. Pallad
      On: January 13, 2020
    • Renewal done in just 2 steps

      The renewal process of my United India policy was completed in no time at InsuranceDekho. It is a great platfo...

      Read More
      By Farhan
      On: May 27, 2020
    • Variety of payment choices

      It was very easy to make payment with the United India policy. I have got different payment modes to buy and r...

      Read More
      By Vaibhav Dixit
      On: May 13, 2020
    • Fastest renewal process

      I got my United India car insurance policy renewed very quickly within a few minutes. I purchased this plan to...

      Read More
      By Jatin Kumar
      On: May 11, 2020
    • Easy renewal process!

      I got my United car insurance plan renewed with insurancedekho.com. They offered me an easy process where I ju...

      Read More
      By Mukesh Bora
      On: March 31, 2020
    • Fast renewal process

      I managed to renew my United car insurance policy in just 2 steps. The process was expedited by Insurance Dekh...

      Read More
      By Yogesh Gupta
      On: March 27, 2020
    • Renewal in no-time

      One needs to get his or her policy renewed as soon as its deadline approaches near to avoid any sort of penalt...

      Read More
      By Ayush Grewal
      On: March 9, 2020
    • Very good protection for my ca...

      Thanks to Insurance Dekho for providing me with so many options to choose from. After comparing all the plans ...

      Read More
      By Akshay Shan
      On: January 17, 2020
    • I really liked the policy bene...

      I bought a United India car insurance policy for my Honda Jazz car from InsuranceDekho in a few easy steps. Th...

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      By Megha Bansal
      On: July 2, 2020
    • Quotation Calculator

      I have seen many websites but didn’t find any quotation calculator to help me in zeroing down on my car insura...

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      By Ishani
      On: December 24, 2019

    United India Car Insurance FAQs

    • How can I check the status of my United India car insurance policy?

      You need to visit the nearest office of the company in order to get the details of your policy

    • What are the modes of paying the premium of my car insurance?

      There are 3 modes of payment offered by the company:

      • Cash payment at the nearest branch
      • Online payment (debit/credit card and Net Banking)
      • Mobile- MPower
    • What is the deadline to renew my car policy, purchased online?

      If you have purchased the policy online, then you can renew it 45 days before the expiry date. It is always advisable to renew your insurance before your policy expiry as otherwise your vehicle would be inspected

    • How can I renew the policy online?

      • Enter your Policy number and Expiry Date to login into e-portal
      • Choose the payment option - Debit/Credit Card or Net Banking to pay
      • Print/Save the receipt of the premium deposit
    • How can I cancel my United India car Insurance policy?

      For cancelling any policy, you need an alternate policy for the same vehicle. Please visit United’s branches to inquire further regarding policy cancellation

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 11.5 Lac happy customers
    • Claim Support available all 7 days of the week

    United India Car Insurance Contact details

    For any query call the toll-free number:

    United India Car Insurance Policy Wording

    • 71.4 kB
    • PDF Document
    • April 25,2019

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    Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.