United India Car Insurance
- CASHLESS GARAGES 3,100
- CLAIMS SETTLED 95%
- COMPREHENSIVE CLAIMS UNLIMITED
- Towing Assistance (For Accidents)
- Coverage Outside India
- PSU Provider
- Quick Claim Settlement
Top United India Car Insurance Plans
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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
Claim settlement ratio
Personal accident cover
Yes, up to Rs. 15 lakh
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.
United India Car Insurance Premium Calculator
The United India Car Insurance Premium Calculator is an online tool that enables you to determine an estimated premium for your insurance policy. Customers might have to submit certain details like vehicle model, type, registration number, and more to calculate the premium for their policy. Additionally, you can add add-ons to your policy and calculate the estimate for the premium of your car insurance plan.
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 for Comprehensive car insurance is, however, higher than the other two types.
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:
- Return to Invoice Cover
- Zero Depreciation Cover
- Engine Protection Cover
- Roadside Assistance Cover
- Key Loss Cover
Factors Affecting United India Car Insurance Premium
Here’s a list of some factors that affect your United India Car Insurance Premium:
- Vehicle Make and Model: Premiums vary based on the car's make, model, and age.
- Engine Capacity: Cars with higher engine capacity may incur higher premiums.
- Cubic Capacity: Vehicles with larger cubic capacity can lead to higher premiums.
- Policyholder's Profile: Age, gender, and driving experience influence premium rates.
- Claims History: A clean claims record may result in lower premiums.
- Coverage and Deductibles: Comprehensive coverage usually has higher premiums, and choosing higher deductibles may reduce premiums.
- Location and Usage: Urban areas and higher vehicle usage can impact premiums.
- Anti-theft and Safety Features: Installing security devices may lead to premium discounts.
- No Claim Bonus (NCB): Accumulated NCB can significantly lower premiums.
- Add-on Covers: Opting for additional coverage options may increase premiums.
Tips To Buy the Best Car Insurance
When purchasing car insurance, it is necessary that you compare different options and select the most suitable one for yourself. When comparing different options, the following are some factors that you should consider:
- Check the claim settlement ratio of the company: The high claim settlement ratio represent the higher creditworthiness of the company. Additionally, it will ensure hassle-free claims settlement and peace of mind for you during mishaps.
- Look out for add-ons: Another important factor that you should take into consideration is add-ons. Add-ons are additional benefits that the company offers to its customers. You can buy these benefits to enhance your plan coverage by paying an extra premium.
- Read existing customer reviews: Before purchasing a four-wheeler insurance policy, ensure that you check the existing customer's feedback and reviews to make sure that you are purchasing from the right insurer.
- Consider purchasing online: This is one of the most important factors that you should take into consideration. Purchasing insurance online will simplify the overall process for you.
Inclusions and Exclusions of United India Car Insurance:
Following are the inclusions and exclusions under 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
How to Buy Car Insurance with InsuranceDekho?
Here is how you can buy car insurance with United India in a few simple steps:
- Visit the website of InsuranceDekho. 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.
Why Purchase United India Car Insurance Plan Online?
Following are the benefits of purchasing United India Car Insurance Online:
- Less Documentation: Policyholders can avoid the tedious and lengthy paperwork process by purchasing car insurance online. It will both your time and effort.
- Easy Process: The process to buy United India Car Insurance is simple and easy. All you have to fill out some details and submit a few documents to get insured.
- Buy Quickly: With InsuranceDekho, you can purchase a United India four-wheeler insurance plan quickly and conveniently. All you need is a stable internet connection and a smartphone to secure your vehicle against uncertainties.
- Hassle-Free Renewals: Policyholders should renew their car insurance plan to continue to enjoy the coverage. And you can simply do this online with your policy number and vehicle registration number.
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
- 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:
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
Contact the policy issuing officeContact the insurance provider immediately via any of its nearest offices. List of offices is available on the company’s website.
Survey by the companyAfter 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.
Inform the local police stationIn 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.
Get the estimated cost of repairTow 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.
Let the company do the rest of the jobAfter 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
Explore United India Car Insurance
Must Read Articles before buying United India Car Insurance
- Read this article to know everything about Universal Sompo car insurance.
- Read this article to know how to claim car insurance after an accident from United India.
- Read this article to take a note of the things that you should consider while buying a United India car insurance plan.
- Read this article to understand how you can claim your car insurance from the United India Insurance company by following these easy steps.
- Read on to see our step by step guide on claiming car insurance, so that you may feel at ease in this regard in the aftermath of an accident.
United India Car Insurance User Reviews
- Most Helpful
- Zero Depreciation
- Third Party
- Own Damage
- Cashless Garages
- Policy Download
- Customer Care
- 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
Why to buy from InsuranceDekho?
- Instant policy # within 5 mins
- More than 45 Lac happy customers
- Claim Support available all 7 days of the week
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