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*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

United India Car Insurance Claim

121 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

    How to make cashless claims?

    You can make claims for your cashless car insurance with United India Insurance Company in the following way:

    • Get in touch with the insurer

    The insurance-holder needs to get registered for cashless claims by getting in touch with the insurer. This can be done via the telephone, official email or by visiting the insurer office.

    • Confirmation

    Following registration, the customer gets a claim registration number that will come in handy for future references.

    • Take your vehicle for repairs

    Take your vehicle to the garage for repair and inspection.

    • Documentation

    Complete all documentation and handover it to the surveyor.

    • Cashless settlement

    The company will pay the claim amount (minus your liability) directly to the workshop.

    How to file a car insurance reimbursement claim?

    Car insurance reimbursement claim works in similar was as any other motor related claims process:

    • Lodge an FIR

    The foremost thing to do after an accident or theft is to lodge an FIR at any nearest police station. This copy of FIR is very important and will be needed in the further documentation process.

    • Get in touch with the insurer

    Contact the nearest branch of United India Insurance Company to intimate them about the incident.

    • Survey of the vehicle

    A surveyor from UIIC will monitor and gauge the accident spot and submit a report. .

    • Documentation

    Once the surveyor is done with its part, documentation process will begin. This is where the copy of FIR will be needed.

    • Repair of the car and reimbursement of expenses

    You need to pay the entire cost of repairs at the workshop. The company will reimburse its part (liability) as soon as possible.

    Documents required for cashless and reimbursement claims

    In case there is a need to make a cashless claim, there are a few documents that will be required. Find them in the list below.

    • Cashless registration form duly signed by the insured
    • Registration certificate and key of the car
    • Driving license of driver/owner
    • Policy copy in original
    • Original copy of FIR
    • Photocopies of ID like PAN card, driving license, etc.

    Reasons of Rejections

    Much to the dislike of insurance holders, there are few reasons why the claims can be rejected. Some of these reasons fall under terms and conditions of insurance provider:

    • Lapsed insurance policy

    Your claim request will be rejected if your insurance policy has expired. Renew your policy in time to avoid claim rejection.

    • Driving without license

    United India Insurance is not liable to render any claim if you were driving the vehicle without a valid driving license.

    • Driver under alcohol influence

    If the insurance company finds that the accident is caused under the influence of alcohol, no reimbursement will be provided by the company.

    • Delay in notifying the insurer about damage

    If the policyholder fails to inform the insurer within a stipulated time frame, the company may reject the claim application.

    • Failing to inform insurer before repairing

    You must inform the insurer about the accident before taking the car for repairs. Failing this might lead to rejection of the claim.

    United India No Claim Bonus

    No Claim Bonus (NCB) is a reward in terms of discount offered by United India General Insurance to its policyholders on their own-damage premium for not raising any claim during the policy period. This benefit can be earned for every consecutive claim-free year starting from 20% which can go upto a maximum of 50% over a span of 5 years. It is considered the best and simplest way to lessen the premium cost of the car insurance plan for the next policy year at the time of renewal, which means it needs consistent and timely renewal of policy, otherwise, you may lose the benefit.

    No Claim Bonus is a token of appreciation that you receive for carefully maintaining and driving your car. Since it is given for making no claim which could be possible only with responsible and safe drive, this benefit belongs to the policyholder and not the insured vehicle. Therefore, in case you are planning to change your car or insurance company, then you can transfer the benefit of the NCB to your new car or policy by complying to some terms and conditions. It means, if you decide to trade your old car for a new one, still you can hold the NCB with you which could even help you cut down the premium of your new car as well.

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    • Experience and information

      Had a great experience and very imp information given us. all doubts are clear A big thanks to all for clear ...

      S
      Datsun GO Plus 2018 Indore
      By Sheetal Simon
      On: June 20, 2022
    • Good experience and rates

      Better offers, quick follow-up call to offer assistance. The deals were better than a few other online policy ...

      A
      Toyota Platinum Etios Sonipat
      By ANIHA BRAR
      On: May 11, 2022
    • CAR INSURANCE

      EASY USE OF THE SYSTEM. PAYMENT ALSO GOT THROUGH VERY QUICKLY. WOULD RECOMMEND MY FRIENDS AND RELATIVES ABOUT ...

      R
      Maruti Swift perumbavoor
      By RAJIV P S
      On: April 23, 2022
    • Excellent

      Thanks its easy to understand the steps of policy ,earlier we used to visit on offices for insurance and waste...

      A
      Hyundai Elite i20 Satna
      By AJAY PANDEY
      On: April 17, 2022
    • fast and secure

      First time I took a car insurance policy through this site. It really fast and secure. Comparison option is al...

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      Datsun GO Kanpur
      By VAIBHAV RAJPUT
      On: March 22, 2022
    • Car policy

      Good assistance in selecting the policy details and proper guidance. Comparison provided of the all the polic...

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      Renault KWID Pune
      By Pranali Godbole
      On: February 1, 2022
    • Insurance renewal

      It was a breeze to get my son's car insurance renewed, from the comforts of my home. Payment options could be ...

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      Hyundai Elite i20 Bangalore
      By Nikhilesh C
      On: October 18, 2021
    • Exelent working

      Good work and support from the staff and executive staff Good work and support from the staff and executive st...

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      Hyundai i10 New Delhi
      By BRAMHA KUMAR
      On: October 10, 2021
    • Excellent

      Very easy, convenient and fast. Using since past few years. Recommended for those who are looking forward for ...

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      Maruti Dzire West Siang
      By DR MISSO YUBEY
      On: September 11, 2021
    • 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 ...

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      Maruti Wagon R Kota
      By MANOJ JAIN
      On: July 29, 2021

    207 United India Cashless Garages in India

    United India Car Insurance Claim FAQs

    • What kind of damages does UIIC motor insurance cover?

      United India Insurance Company covers a lot of damage on vehicles with its third-party, comprehensive and Zero Depreciation insurance plans. It covers any loss arising out of theft and accident.
    • Will UIIC motor insurance cover if the damage has happened due to road rash between two other reckless drivers?

      If the accident and damage has happened due to other drivers on the road, a comprehensive insurance policy will cover it. However, everything about that particular incident needs to be mentioned while filing a claim.
    • How does the claim process work?

      After informing UIIC management about the accident, you can take the vehicle for repair as directed by the surveyor. You might need to pay the entire cost initially, this cost is later reimbursed by United India as per the claim guidelines.
    • Will I need to get my vehicle inspected?

      Yes, getting the vehicle inspected by a company-employed surveyor is mandatory. Failure to do so will lead to rejection of claim at the time of documentation and filing.
    • Do I need to file an FIR after the accident or theft has happened?

      Yes, filing an FIR with any nearest police station is an absolutely must as it will be needed throughout the claim process, especially during documentation post-survey.throughout the claim process, especially during documentation post-survey.
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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.