United India Car Insurance

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Highlights
    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

    Features

    Coverage

    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.

    What is your car's brand?

    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    When did you buy your car?
    20052019
    Have you made a claim in the previous year?

    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

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Excellent Resolution

      Good and fast resolution of query. Very polite executive. Less to time waiting on customer care for getting in...

      M
      By MANEESH RAO
      On: April 23, 2021
    • Easy car insurance

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

      R
      By RANJITA GUPTA
      On: April 1, 2021
    • Good convincing Skills

      Very supportive, very polite, knowledgeable, right approach, correct gesture of communication, quick response,...

      M
      By MANEESH RAO
      On: March 31, 2021
    • Very good response

      Very good, friendly, supportive, prompt, frequent follow-up at InsunranceDekho. I found the best car insurance...

      J
      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...

      Read More
      M
      By Madhurima Gupta
      On: March 23, 2021
    • Very good one

      It was a great experience of buying health insurance online at InsuranceDekho. I will recommend it to my frien...

      S
      By SANJEEV KUMAR RATTAN
      On: March 22, 2021
    • Good experience of buying poli...

      Good experience of buying policy online at InsuranceDekho. The customer care executives really helped me a lot...

      R
      By Rajendran Chingaravelu
      On: March 22, 2021
    • So easy and convenient

      So easy to buy and very friendly to understand in short time. Rate is also less than as other insurance compan...

      D
      By DINESH SINGH RAWAT
      On: January 11, 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...

      D
      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...

      M
      By MANJARI GHOSH
      On: December 28, 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...

      R
      By RANJITA GUPTA
      On: April 1, 2021
    • Good convincing Skills

      Very supportive, very polite, knowledgeable, right approach, correct gesture of communication, quick response,...

      M
      By MANEESH RAO
      On: March 31, 2021
    • Very good response

      Very good, friendly, supportive, prompt, frequent follow-up at InsunranceDekho. I found the best car insurance...

      J
      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...

      Read More
      M
      By Madhurima Gupta
      On: March 23, 2021
    • Very good one

      It was a great experience of buying health insurance online at InsuranceDekho. I will recommend it to my frien...

      S
      By SANJEEV KUMAR RATTAN
      On: March 22, 2021
    • Good experience of buying poli...

      Good experience of buying policy online at InsuranceDekho. The customer care executives really helped me a lot...

      R
      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...

      D
      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...

      M
      By MANJARI GHOSH
      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...

      D
      By DR. DHARMINDRA BORAH
      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...

      N
      By Naresh kumar Dhaka
      On: November 26, 2020

    Insurance Products by United India General Insurance

    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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    Disclaimer

    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.