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Key Features:
  • Towing Assistance (For Accidents)
  • Coverage Outside India
  • PSU Provider
  • Quick Claim Settlement

Top Plans

PLAN TYPE: Comprehensive
Starting From 2396
PLAN TYPE: Third Party
Starting From 2094
PLAN TYPE: Own Damage
Starting From 1377

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About United India Car Insurance

United India Car Insurance is a popular face in the car insurance industry of India. 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. To get additional car insurance coverage, one can also buy add-on covers along with comprehensive car insurance plans at affordable prices from United India General Insurance.

Key Features of United India Car Insurance



United India Insurance Claim Settlement Ratio


Founding Year


Number of Network Garages


Claim Assistance

Yes, 24*7 Claim Support

Add-on Options


No Claim Bonus

Yes, up to 50%

Personal Accident Cover

Yes, up to Rs.15 lakhs

Why Buy Car Insurance with United India?

Listed below are some of the convincing reasons why you should choose to buy car insurance with United India:

  • High Claim Settlement Ratio: With a claim settlement ratio of 95.00%, you can get your car insurance claims easily settled with United India. Moreover, the process of claim settlement with United India is quite hassle-free.
  • Network Garages: United India has an extensive number of network garages. With over 3,100 network garages, you can get your car repaired at a nearby location with utmost convenience.
  • Adequate Coverage: There are times when your vehicle can cause damage to a third party or get damaged due to a mishap. To provide adequate coverage for such cases, United India offers relevant coverage.
  • Dedicated Customer Support: United India has a dedicated customer team to help policyholders with any query related to car insurance. Be it claim settlement or any other kind of query, you can get all your queries answered with United India.

Types of United India Car Insurance

The three different types of car insurance plans available with United India Car Insurance include:

  • Third-party Car Insurance: Third-party car insurance provides coverage if a third party is damaged or injured due to the insured vehicle. Third-party car insurance is a must according to the Motor Vehicles Act of 1988.
  • Standalone Own Damage Car Insurance: Standalone Own Damage Car Insurance provides financial coverage for any damage to the insured vehicle.
  • Comprehensive Car Insurance: Comprehensive Car Insurance provides coverage for both third-party liability and own damage. The premium of Comprehensive car insurance is however higher than the other two types.

How to Buy Car Insurance with United India?

Here is how you can buy car insurance with United India in a few simple steps:

  • 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 coverage you wish to buy.
  • Enter a few details such as registration state, manufacturer name, model name, make year, RTO name, IDV, date of registration, etc., and then click on the button to see plans.
  • Select one plan from different policy quotes provided by the insurance company. You can also add a few add-on covers to your car insurance policy if required.
  • 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.

Inclusions and Exclusions Under United India Car Insurance

There are certain inclusions and exclusions under car insurance plans. Listed below are the inclusions and exclusions of United India Car Insurance:


  • Any damage to the car due to theft, riots, accidents, or any other mishaps
  • Damage to the car due to fire
  • Third-party coverage


  • Any damage to the car if the driver is riding under the consumption of alcohol or drugs
  • Any expenses related to normal wear and tear of the car
  • If there is any damage to the car outside a geographical area mentioned in the policy paper

List of Add-ons Available with United India Car Insurance

Some of the add-ons that you can buy along with your United India car insurance plan are as follows:

How to Renew United India Car Insurance?

Every car insurance plan comes with an expiry date. So, to renew United India car insurance, here is all that you need to do:

  • Click on the car insurance tab of United India
  • Enter details like vehicle number, policy number, and other details to get instant quotes
  • Once the quotes are visible, you can include or remove add-ons
  • Next, pay the premium and renew your car insurance plan

How to File United India Car Insurance Claim?

You need to follow the below-mentioned steps to file the United India car insurance claim:

  • First, inform the insurance company about the incident
  • After your claim has been registered, the team of United India Insurance will get in touch with you and initiate the process
  • Next, a surveyor will be assigned to evaluate the total damage
  • Then, upload the documents and get the car repaired at a network garage or any other garage
  • In the case of cashless claims, the insurance company will directly settle all your bills and in case of reimbursement claims, the insurance company will reimburse the total amount

Documents Required to File United India Car Insurance Claim

Listed below are the documents required to file United India Car Insurance:

  • A copy of the car insurance
  • Copy of valid driving license
  • Repair bills
  • Copy of registration certificate
  • FIR
  • Duly-signed claim form

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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  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
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  • Policy Download
  • Customer Care
  • Claim
  • Add On

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

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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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