United India Car Insurance Claim
- CASHLESS GARAGES 3,100
- CLAIMS SETTLED 95%
- COMPREHENSIVE CLAIMS UNLIMITED
- Towing Assistance (For Accidents)
- Coverage Outside India
- PSU Provider
- Quick Claim Settlement
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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.
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.
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. .
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.
Explore United India Car Insurance
Must Read Articles before buying United India Car Insurance
- 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 this article to know how to claim car insurance after an accident from United India.
- Read this article to know everything about Universal Sompo car insurance.
- Third-party insurance for vintage or classic cars is compulsory. Know types of car insurance & factors affecting insurance premium for a vintage car.
United India Car Insurance User Reviews
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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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