United India Car Insurance
United India Car Insurance
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United India Car Insurance

United India Car Insurance is one of the leading insurance companies in India. The company was established on 18th February 1938. 12 Indian Insurance Companies, 4 Cooperative Insurance Societies and Indian operations of 5 Foreign Insurers, besides General Insurance operations of the southern region of Life Insurance Corporation of India, were merged with United India Insurance Company Limited. Today, the company has 18300 employees spread across 1340 offices providing insurance cover to more than 1 crore policyholders. With innovative products, the company has managed to become one of the most trusted public general insurance companies in the industry.

United India Car Insurance Plan

In order to fight with other competitors and to deal with different needs of customers, the company has designed a single yet effective car insurance plan. You can invest in the same for wider coverage at pocket-friendly prices.

Motor Package and Liability Only Policies

It is an effective motor insurance plan that offers coverage to all private cars and commercial vehicles. The owner of the vehicle (Financiers or Lessee) who has an insurable interest can easily apply for the same.

Key Features

  • Loss/Damage to the policyholder’s car: With this, you are liable to get the required financial cover against damage to the insured car caused by fire, riots, earthquakes, storms, theft and much more.
  • Coverage against third-party Liabilities: As it is a complete package policy, it offers mandatory third-party cover along with the own damage cover.
  • Add-on covers: They act as your guardian angel. Apart from the basic cover, these covers ensure that you have enough coverage to deal with any mishappening.

Why Bet Your Money On United India Insurance?

United India Insurance is definitely a renowned name in the general insurance industry. With a professional experience of several years and a strong Pan India presence, the company is offering hassle-free services without breaking a sweat. By getting your vehicle insured with United India Insurance, you will be able to get peace of mind and immediate assistance in case of emergencies.

The key USPs of the company include:

  • Hassle-free & fast claim settlement process.
  • Minimal documentation.
  • Swift online services.
  • Superb customer satisfaction.

Apart from flaunting their USP’s, United India Car Insurance has a lot in its pocket. Let’s take a look at it:-



The company ensures transparency in all services, especially in claims settlement. It makes sure that you are getting all the required information without any roadblocks.

Easy claim settlement

Easy Claim Settlement

This is where the company shines the brightest. It has an awesome track record of settling claims on time. The easy process with less waiting period is the secret behind it.

Trusted insurer

Trusted Insurer

With the experience of offering innovative products and services to customers, it has become one of the most trusted insurance companies in the market.

24*7 assistance

24*7 Assistance

You don’t have to keep a track of time in order to speak with our experts. They are available 24*7 to make your queries go away.

Add-on Covers Under United India Insurance

By paying a nominal additional premium, you will be able to add more effective covers that will enhance your basic cover. Here is the list for the same:-

  • Change of vehicles: Under the same, a car can be substituted by another car (of the same class) for the balance period of a policy subject to adjustment of premium if on a pro-rata basis from the date of substitution.
  • Electrical/Electronic fittings: A few parts such as electrical/electronic fittings might not be liable to get the cover under the basic plan. However, you can get it covered by paying an additional premium of 4% on the value of such fittings.
  • Personal accident covers: It is one of the most required additional covers that you should go for. It will be there as a helping hand to deal with unwanted emergencies.
  • CNG/LPG-Bi-fuel kits: Vehicles fitted with CNG/LPG Bi-fuel kits have to be separately declared and the premium is chargeable at 4% on the value of such kit.

Benefits Of Buying United India Car Insurance Online

As discussed earlier, United India has an excellent record in maintaining customer satisfaction. But how are they able to achieve that? Surprisingly, a major share of achievement goes to the online process of buying/renewing a policy. And that’s not it. A lot of benefits are associated with the online process which acts as a cherry on the cake. Curious? Let’s take a look at them.

Easy Buying Process

The days of approaching the agents/brokers to buy a policy are finally behind us. United India has come up with a convenient process that includes going to its website, filling out your details, submitting the required documents and buying the policy.


If you want to save premium, buying through the online platform is the first thing that you should do. The company offers discounts if you have an anti-theft device in your car or you are an active member of a recognized automobile association.

Unbeaten Security

If you are investing online, you don't have to compromise with the security. Your private data will be locked & secure.

What Is Excluded Under United India Car Insurance?

With the growing awareness, car insurance got immense popularity & companies were happy about it. Financial security, timely assistance & trust blew away people’s imagination. Never before were they able to get such comfort from a service. Unfortunately, fraud/misuse took over the policies. People started to explore loopholes because of which companies were running into losses. So, they decided to restructure the policy and include a section of ‘Exclusions’ in it. You can find the same below:-

  • Damage due to electrical/mechanical malfunction.
  • Loss due to car’s depreciation.
  • Driving under the influence of alcohol/drugs & leading to an accident.
  • nvalid driving license found at the time of making a claim.
  • Loss due to war/nuclear risks.

Claim Process

The whole point of buying a car policy is to get the desired claim without any bottlenecks. United India understands the same and offers a seamless claim process. There are two ways to file a claim:-

Cashless- If you get your vehicle repaired at the company’s authorized network garage, you will be liable to get the cashless facility. Here, your wallet won’t see the day of light. The company will directly communicate with the network garage to settle your expenses.

Reimbursement- If you get your repairs done from a local garage, you can simply go for the reimbursement process. Here, the sad part is that you have to pay the repair charges and submit the cash copies to United India to get the money back.

In order to get timely assistance, policyholders must be ready with the following:

  • A copy of the policy document.
  • FIR copy of the incident for which claim is raised.
  • Vehicle registration number.
  • Self-identity proofs.
  • Contact numbers of United India offices/toll-free numbers.

United India Car Insurance Review

Nowadays, there are only a few general insurance companies which have a great fan following and United India Insurance is one of them. How so? It aims to offer suitable coverage for the insured & his/her car which is quite necessary these days. With the team of experts, the company keeps on implementing new ideas and always comes at the top of offering innovative plans to its customers. The company works hard to offer the best in class service and it is definitely the right platform for your next car insurance purchase.


Yes, you can easily transfer your NCB to a new plan even if you switch the insurance company. You just have to provide proof of your NCB.

Yes, you can easily ensure your additional accessories under the comprehensive car insurance policy. You might have to pay an additional premium for the same.

If your car has anti-theft devices that are approved by the Automobile Research Association of India (ARAI), and whose installation is approved by any of the Automobile Association of India, you will be liable to get a discount of 2.5 percent on Own Damage premium.

Deductible refers to an amount that you need to pay before your insurance company pays any expenses.

Yes, you can get your existing policy transferred to the new purchase.

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Last updated on 03-01-2020