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United India Car Insurance
A United India car insurance policy is designed to protect an insured private car from any unforeseen loss or damages arising out of events like road accidents, theft, fire, disasters, etc. The United India Insurance Company also provides additional coverage, like PA Cover and Zero Dep Cover, etc., that can enhance the coverage of a car insurance policy.
About United India Insurance Company
Incorporated in 1938, United India Insurance Company Limited provides insurance coverage to crores of policyholders across India. The company offers a variety of insurance solutions, such as motor insurance, with a 100% customer satisfaction rate.
With 86 years of experience, the insurance provider aims to provide insurance protection to all, thus helping develop the Indian economy, the insurance company has made its presence in 1,000+ tier 2 and tier 3 towns and villages.
Key Features of United India Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 95% |
| Personal Accident Insurance | Up to Rs. 15 Lakhs |
| Network Garages | 3,100 |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | Unlimited |
| No. of No-ZDClaims | Unlimited |
Benefits of United India Insurance Car Insurance
The benefits of the United India insurance car insurance policy are mentioned below:
- Discount on the premium amount to car owners who have an approved anti-theft device installed in their cars.
- No Claim Bonus (NCB) benefits all policyholders who did not make any claims during their previous policy tenures.
- Discount on own damage cover is granted to all cars modified or specially designed for the handicapped, blind or mentally challenged people.
- Discount on own damage cover to the members of the Automobile Association of India.
Types of United India Insurance Car Insurance Policy
United India Insurance Company provides three types of car insurance policies. They are:
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Liability Only Car Insurance Policy
Under the liability-only policy, the insurer will provide coverage to the policyholder against any third-party liability arising from an accident involving the insured car. Third-party liabilities include death, disability or bodily injury to the third party and third-party property damages.
However, the third-party liability policy does not cover own damages sustained by the insured vehicle. Moreover, the coverage provided under this car policy is limited to Rs. 7.5 lakh for property damage but is unlimited for demise or bodily injury to the third party. -
Standalone Own Damage Car Insurance Policy
A standalone own damage car insurance policy aims to compensate a policyholder if his/her car meets with an unforeseen incident. These incidents include accidents, theft, fire, calamities, etc. An own damage policy can only be purchased if you already have third-party insurance and wish to enhance coverage for the car’s own damages.
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Private Car Package Policy
The Private car package or comprehensive car insurance policy provides coverage against damages sustained by the insured car due to unanticipated events like road accidents, theft, fire, natural calamities, etc. This car policy also covers damages sustained by the third party, such as death, injury and property damages.
Moreover, the extent of comprehensive car insurance can also be increased by purchasing additional covers at an extra premium.
United India Insurance Car Insurance Premium Calculator
Policyholders can also use the Car Insurance Premium Calculator to calculate and compare the premium of car insurance before purchasing a policy. Doing so will help them buy a policy that fits their pre-decided budget.
Coverage Under New United India Insurance Car Insurance
- Manmade Acts: Damages sustained by the insured car due to manmade acts like riots, terrorist acts, and strikes
- Burglary: Losses to the insured car due to events like theft, housebreaking and burglary
- Third-Party Liabilities: Death, injury or property damages of the third party arising out of the insured car
- Accidents: Damages sustained due to an accident of the insured car
- Fire: Any damages to the insured vehicle due to fire or self-ignition
- Natural Disasters: Damages from natural disasters, including earthquakes, landslides, and floods, are also covered under the United India motor insurance policy.
- In-transit Damages: Damages to the insured vehicle while in transit via roadways, railways, waterways, etc.
- Outside Geographical Area: Damage/ loss suffered by the insured car outside the geographical area mentioned in the policy document
- Wear and Tear: Expenses arising out of regular wear and tear of the insured car.
- Beyond Usage Limitations: If the insured car is used for a purpose other than personal use
- Contractual Liability: Any contractual liabilities arising out of the insured car
- War: Damages sustained by the insured car due to war, warlike operations or an act of war
- Consequential Loss: Any consequential loss or damage suffered by the insured car
- Drunk Driving: Any liabilities, damages or losses caused due to drunk driving
- Nuclear Weapons: Damages caused to the insured car following a nuclear attack or leakage
- Depreciation: Losses suffered by the insured car due to the vehicle's depreciating value
- No Valid Driving Licence: Any loss or damages suffered by the insured car if the driver was found driving without a valid licence
- Mechanical or Electrical Breakdown: Damages suffered by the insured car due to an electrical or mechanical breakdown
New United India Insurance Car Insurance: Add-Ons
Courtesy Car Cover
Under the Courtesy car add-on cover, the insurance company will compensate the policyholder for the expenses incurred in hiring a rental car when the insured vehicle is undergoing repairs.
However, to avail the benefits of this cover, the insured vehicle must be under repair for a minimum period of 24 hours.
Nil Depreciation Cover
Any depreciation sustained by the insured car is usually not covered under a standard car insurance policy.
Under the Nil Depreciation add-on cover, the insurance company will also cover the depreciation of the insured car and its parts in case of a partial loss claim for repairs.
Return to Invoice Cover
Under the return to invoice add-on, the insurer will pay a difference between the Insured Declared Value (IDV) of the insured car and its current sale value in the event of a total loss of the insured vehicle.
This cover also pays for registration charges and road tax up to a maximum of 10% of the IDV in the policy.
Medical Expenses Cover
Under the medical expenses add-on cover, the insurance company will reimburse medical expenses that have been incurred
on the hospitalisation of passengers of the vehicle in the event of a road accident.
Engine and Gearbox Protection Cover
This Engine Protect add-on compensates a policyholder against any loss or damage sustained by the engine or gearbox of the insured car.
Damages that are caused due to water ingression or leakage of lubricating oil will be covered under this add-on.
Personal Effects Cover
By purchasing a Personal Effects add-on cover, the policyholder will receive compensation
against personal items present in the car that were lost or damaged in the event of an unforeseen peril.
How to Renew United India Insurance Car Insurance Online?
To renew United India car insurance online, go to Policybazaar.com and follow the steps mentioned below:
- Select the ‘'Car Insurance' tab from the website’s homepage
- Enter your car number on the given form and view instant renewal quotes
- The details of your car will be auto-fetched now
- Enter your existing policy expiry date and previous claim details and proceed
- Find the United India insurance car insurance plan from the given list and check your policy details
- You can add or remove any add-on covers from the four-wheeler policy.
- Verify details on the next page.
- Pay the premium amount for United India insurance renewal online via net banking or by credit/debit cards.
- Once the payment has been made, the insurer will renew your car policy. You will receive your motor insurance renewal papers at your email address.
How to File a Claim Under United India Insurance Car Insurance?
To file a claim under United India Insurance car insurance online, follow the steps mentioned below:
1
Inform the Insurer:
You must inform the insurance company about the incident as soon as possible to register the claim.
2
Vehicle Inspection:
Once the claim has been registered, the insurer will send a surveyor to inspect the damages caused to the insured car.
3
Documents Verification:
The surveyor will ask for some documents to process your claim. Make sure to keep all the necessary documents with you.
4
Claim Processing:
If the repairs are not done in a network garage, the insurance company will reimburse you the claim amount after the repairs are complete and you have paid the bill.
5
Reimbursement Claims:
If the repairs are not done in a network garage, the insurance company will reimburse you the claim amount after the repairs are complete and you have paid the bill.
Documents Required to Raise a Claim Under United India Insurance Car Insurance
Below are the documents required to raise a United India car insurance claim:
- Copy of car insurance papers
- Duly signed claim form
- Copy of valid driving license
- Copy of Registration Certificate
- Repair estimates
- Repair bills
- Copy of Police FIR
Car Insurance for Popular Brands in India
FAQs
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Q1. How good is United India car insurance?
Ans: Calling a car insurance company, good or bad, is a personal choice. United India car insurance has been offering insurance services for over 85 years and has a claim settlement ratio of 95%.However, it is best to compare the coverage and benefits of United India car insurance with other motor insurers at Policybazaar.com before arriving at a final decision.
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Q2. Are there any discounts offered by United India car insurance?
Ans: Yes. United India car insurance offers several discounts to car owners under their motor insurance plans. These are:- No Claim Bonus
- Anti-theft device discount
- Vintage car discount
- Modified/ specially designed car discount
- Automobile Association membership discount
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Q3. Does United India car insurance offer No Claim Bonus? Will it be transferred if I sell my car?
Ans: Yes. United India car insurance offers a No Claim Bonus on renewal if you do not file any claim during the previous policy tenure. You can earn up to a 50% discount if you don’t make any claims for five consecutive years.
However, NCB is non-transferrable and, thus, cannot be transferred to the new owner of the insured car if you decide to sell the vehicle. The NCB is awarded to the policyholder for not making any car insurance claims and not to the vehicle. It can only be transferred if you switch your insurer.
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Q4. Are there any optional covers available for policy coverage extension?
Ans: Yes. On the payment of an additional premium, United India car insurance will grant coverage for the following:- Electrical/ electronic fittings
- Geographical area extension to Bangladesh, Maldives, Bhutan, Sri Lanka, Pakistan and Nepal
- Fiberglass fuel tanks
- Personal accident cover for unnamed drivers and passengers
- CNG/ LPG bi-fuel kit
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Q5. How can I check the policy status for United India car insurance?
Ans: You can visit the nearest United India Insurance Company office to inquire about the policy status. You can also visit their official website to check the status of your policy. Moreover, if you have purchased a policy from us, you can check its status by logging into your Policybazaar.com account. -
Q6. How can I get a United India Insurance car policy download?
Ans: A United India motor insurance policy can easily be downloaded from the insurer’s official website or Policybazaar.com.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.