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

United India Insurance is one of the leading general insurance companies in India. The company was established on 18th February 1938. 4 Cooperative Insurance Societies, 12 Indian Insurance Companies, 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 14000 employees spread across 2276 offices providing insurance cover to more than 1 crore policyholders. With innovative products and reliable services, the company has managed to become one of the most trusted public general insurance companies in the industry. In order to fight with other competitors and to deal with different needs of customers, the company has designed a motor package car insurance plan. You can invest in the same for wider coverage at pocket-friendly prices.

Highlights

Claim ratio91.72%
Third-party coverUp to 7 lakhs
Own damage cover50 % of the cost incurred in replacement is covered

**Last Updated on 06-07-2020

How To Renew Your United India Car Insurance Policy?

Holding a valid car insurance plan is a mandatory thing in India. To drive legally, you need to keep renewing your existing car insurance plan. The insured can renew their car insurance plan by choosing either of the ways - through PolicyX.com or by visiting the official website of United India Car Insurance. Let’s find out more about them.

Renewal via PolicyX.com

  • Enter your car number and click on the tab ‘Get Quotes’. If you don’t have a car number ready with you, you can easily proceed with the ‘Proceed without car number’ option and fill the details to visit the quotes section.
  • Renew your existing plan or buy any new plan from the list.
  • Pay via different payment modes.
  • In case of any confusion, you can easily connect to our team of experts.

Renewal via United India Official Website

  • Visit the official website of the United India Insurance Company.
  • Take your cursor to the tab ‘Products’.
  • Click on the tab ‘Renew’ under the Motor Insurance category.
  • Submit the policy number and click on ‘Next’.
  • Scan your policy details and continue.
  • Pay the policy renewal charges via a debit/credit card. You will get a confirmation email/SMS shortly post payment

Key Features & Benefits of United India Car Insurance

United India Insurance carries multiple features and benefits that might assist you better in the hour of need. Let’s discuss them in detail.

Easy and Hassle-free 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.

Transparent Services : 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.

24*7 Assistance: You don't have to keep a track of time in order to speak with their experts. They are available 24*7 to make your problems go away.

Discounts: The company offers discounts to both offline and online customers if they have installed anti-theft devices in their cars or are active members of a recognized automobile association (such as AAIE).

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

United India Car Insurance Premium Calculation

There is an amount called ‘Premium’ that you need to pay to keep your car insurance plan active so that you can get the required financial cover in case of need. You might have some doubts about how much you have to pay to keep your policy active. To address the same, you can use the car insurance premium calculator available on our site. Below is the simple formula that usually company use to calculate the premium

Premium = Own Damage Premium - (No claim bonus + discounts) + Liability Premium as Fixed by the IRDAI + Cost of Add-ons

Premium Samples

Car ModelPriceIDV*Zero Dep cover*Estimated Premium*
Maruti Suzuki Dzire-LXIRs.5,88,948Rs.4,38.993Rs.2,414Rs.14,437
Toyota Yaris- J MT OPT BS6Rs.8,77,000Rs.7,84,320Rs.2,503Rs.18,294
Mahindra XUV 300-W4 (1197cc)Rs.10,60,000Rs.6,75,450Rs.3,546Rs.16,000
Ford FIGO-1.6 Sports editionRs.5,39,000Rs.3,94 228Rs.1,258Rs.13,937

**Last Updated on 06-07-2020

*The values are calculated on the basis of the city (Jaipur) and year of registration (2020).

Add-on Covers Under United India Car Insurance

By paying an extra cost, you will be able to add more effective covers that will enhance your basic cover. Here is the list of the same:-

  • Change of vehicles: Under the same, your car can be substituted by any other car (of the same class) while subject to adjustment of the premium. This can be done when your car is in the garage for repairs caused by an accident or any other reason.
  • 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 them covered by paying an additional premium of 4% on the value of such fittings.
  • Personal accident covers: If an insured gets injured (temporary/permanent disability) or dies in an accident, this add-on will offer the necessary financial cover to his/her family.
  • CNG/LPG-Bi-fuel kits cover: Generally, CNG/LPG-Bi Fuel kits are not liable to get the cover under the basic plan. 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 (if you purchase this add-on).
  • Fiberglass Fuel Tanks: Under this cover, the fiberglass fuel tanker would be liable to get the cover. For the same, you have to pay an additional premium of Rs.50 for own damage cover for all vehicles except miscellaneous types of commercial vehicles (for such vehicles, it is Rs.100).

United India 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.
  • To process your claim, you need to register the same first. You can register the claim through the online and offline process. To file online, please follow the below-mentioned process.
    • Visit the official website of United India Insurance Company.
    • Take your cursor to the ‘Customer Services’.
    • Click on ‘Online Motor Claim Intimation’.
    • Provide your motor policy number or registration number.
    • Click on ‘Next’.
    • Submit basic details and required documents to process your claim further.
    • The company will analyze the situation and will convey the approval or rejection message directly to you.
  • To register your claim offline, you have to visit the nearest branch of United India along with the required documents.

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.

How Can PolicyX.com Help With Your Claim?

  • We have a dedicated team to assist you throughout the claim process.
  • You can easily reach us by calling on our toll-free number- 18004200269
  • You can even write to us at - helpdesk@policyX.com

Contact Details: United India Insurance Company

Tollfree: 91-044-28575200

Email id: customercare[at]uiic[dot]co[dot]in

Registered Address: United India Insurance Co. Ltd., #19, Nungambakkam High Road, IV Lane, Chennai - 600034

Contact Details: PolicyX.com Insurance Web Aggregator

Contact Number: 1800-4200-269/1800-4203-180

Email id: helpdesk@policyx.com

Registered Address: PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

FAQs

1. Can I get my NCB transferred to a new car insurance plan on switching the insurance under United India Insurance?

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.

2. Can I bring accessories under the ambit of my United India Car Insurance cover?

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.

3. How much discount can I get if my car has an anti-theft device?

If your car has anti-theft devices that are approved by the Automobile Research Association of India (ARAI), you will be liable to get a discount of 2.5% on your own-damage premium.

4. What is 'deductible' under United India Car Insurance?

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

5. Can car insurance be cancelled under United India Insurance?

You can't cancel the car insurance policy until or unless there is a genuine case. For the same, you have to inform the company within 1 month from the date of issuance.

6. Can United India Insurance Company reject my car insurance claim?

There are a few factors based on which the company can easily reject your claim-

  • If you delay in filing the claim or file after your repairs are done.
  • If there is any modification without informing the insurance company.
  • In case the owner failed to complete the transfer formalities to another owner/entity.
  • If the insurance company is mis-leaded or not informed about the purpose of using a car.

Last updated on 06-07-2020