United India Car Insurance

About United India Car Insurance

United India Car Insurance is a reliable motor insurance policy designed to provide financial protection to private car owners against unexpected damages and losses.

With a legacy of over 80 years, United India Insurance Company has been catering to the insurance needs of millions of policyholders across India. The company offers a comprehensive motor insurance policy that covers damages to the insured vehicle due to accidents, theft, fire and natural calamities.

With United India Car Insurance, you can enjoy a range of benefits, including cashless services at network garages, 24/7 customer support and hassle-free claim settlement procedures. You can also opt for add-on covers such as zero depreciation cover, personal accident cover and engine protection cover for enhanced protection.

With its vast experience in the insurance sector and a high customer satisfaction rate, United India Insurance Company is a trusted name in the Indian insurance market.

Key Features and benefits of United India Car Insurance Online

United India car insurance offers the following features and benefits:

1. Cashless Repair Facilities: United India Car Insurance has a vast network of over 370 garages across the country that offer cashless repair facilities to policyholders. This ensures that you can get your car repaired without any out-of-pocket expenses.

2. Discount on Premium: Car owners who install approved anti-theft devices in their vehicles can avail themselves of a discount on the premium amount.

3. No Claim Bonus (NCB): Policyholders who do not make any claims during their policy tenures can avail themselves of a no-claim bonus. This bonus can be used as a discount on the next year's premium.

4. Discounts for Specially Designed Vehicles: United India Car Insurance offers a discount on its damage cover for cars that have been modified or specially designed for handicapped, blind or mentally challenged individuals.

5. Discounts for Automobile Association of India Members: Members of the Automobile Association of India can avail themselves of a discount on their damage cover.

6. Third-Party Coverage: United India Car Insurance provides coverage for third-party liabilities arising due to damage to their property or injuries caused to them in an accident involving the insured vehicle.

7. Incurred Claim Ratio: With an impressive incurred claim ratio of 96.45%, United India Car Insurance has a high claim settlement rate, ensuring that policyholders can make claims without any hassles.

8. Personal Accident Insurance: The policy provides personal accident insurance coverage of up to 15 lakhs, ensuring that the policyholder and their co-passengers are protected in case of accidental injuries or death.

United India Car Insurance Add-Ons

United India car insurance provides you with a range of add-on covers that you can choose to purchase by paying an additional premium. These add-ons can significantly increase the coverage of the policy, providing added peace of mind.

1. Courtesy Car Cover: One of the available add-ons is the Courtesy Car Cover. This cover allows you to be reimbursed for the cost of renting a car while your insured vehicle is undergoing repairs. This ensures that you are not left without transportation during the repair process.

2. Nil Depreciation Cover: This cover protects you against the depreciation of your car and its parts in case of a partial loss claim for repairs. This means that the insurance company will pay for the full cost of repairs without factoring in the depreciation value of the vehicle or its parts.

3. Return to Invoice Cover: The Return to Invoice Cover is another useful add-on offered by United India car insurance. In the unfortunate event that the insured vehicle is declared a total loss, this coverage pays the difference between the Insured Declared Value (IDV) and the current sale value of the vehicle. This means that you can receive the full amount you paid for the vehicle, providing some financial relief in a difficult situation.

4. Medical Expenses Cover: Medical Expenses Cover is another beneficial add-on offered by United India car insurance. In case of a road accident, the insurance company reimburses the medical expenses incurred on the hospitalisation of passengers. This ensures that you and any passengers in your vehicle are protected from any financial burden that may arise due to medical expenses.

5. Engine and Gearbox Protection Cover: This cover compensates you against any loss or damage to the engine or gearbox of the insured car caused by water ingression or leakage of lubricating oil. This ensures that you do not have to bear the cost of expensive repairs to your vehicle's engine or gearbox.

6. Personal Effects Cover: The Personal Effects Cover provides compensation to you for any personal items lost or damaged in the car due to perils. This ensures that you are protected from any financial loss in case their personal belongings are damaged or lost while in your vehicle.

United India Car Insurance Claim

As a car owner, it is important to know how to file a claim with United India Car Insurance in case of an accident or any other unforeseen event that damages your vehicle. Filing a claim can be a complicated process, but it is crucial to ensure that you receive the compensation to which you are entitled.

Knowing how to file a claim with United India Car Insurance is crucial because it can help you save a significant amount of money if you are involved in an accident. Without insurance, you would have to pay for all the repairs out of your pocket. However, with United India Car Insurance, you can file a claim and receive compensation for the damages to your vehicle.

There are several scenarios in which you can raise a claim request with United India Car Insurance. These include accidents, theft, fire, natural calamities and damage due to riots or strikes.

• In case of an accident, you should immediately inform United India Car Insurance and file a claim with all the necessary details such as the date and time of the accident, the location and the extent of the damage.

• In case of theft, you should file a police complaint and inform United India Car Insurance within 24 hours.

How to file a car insurance reimbursement claim?

To file a claim under United India car insurance online, follow these steps:

1. Inform the Insurer: Report the incident to the insurance company as soon as possible to register the claim.

2. Vehicle Inspection: The insurer will send a surveyor to inspect the damages caused to the insured car.

3. Documents Verification: Provide the necessary documents to the surveyor to process your claim.

4. Claim Processing: If the repairs are done in a network garage, the insurance company will pay the claim amount directly to the garage.

5. Reimbursement Claims: If 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 for cashless and reimbursement claims

The following documents are required to raise a reimbursement claim under United India car insurance:

1. Copy of car insurance papers

2. Duly signed claim form

3. Copy of valid driving license

4. Copy of Registration Certificate

5. Repair estimates

6. Repair bills

7. Copy of Police FIR

The documents required for a cashless claim under United India car insurance are:

1. Policy copy of the insured vehicle

2. Duly filled and signed claim form

3. Original copy of the repair estimate

4. Copy of valid driving license of the person driving the vehicle at the time of the accident

5. Registration Certificate (RC) of the vehicle

6. Copy of Police FIR in case of an accident involving third-party property damage, bodily injury, or death

United India Car Insurance Claim Rejection Reasons

There are several reasons why a claim under United India Car Insurance may be rejected, such as:

• Providing false information

• Driving under the influence of alcohol or drugs

• Using the vehicle for illegal purposes

• Not reporting the incident on time

• Using the vehicle beyond the limitations of the policy

• Driving without a valid license

• Not following the claim process correctly

It is important to understand these reasons to avoid claim rejection and ensure a hassle-free claims process.

United India No Claim Bonus

United India Car Insurance offers a No Claim Bonus (NCB) benefit to policyholders who do not make any claims during their previous policy tenure. The NCB is a discount on the premium amount and can be availed upon renewal of the policy.

The percentage of discount increases with every claim-free year, and the maximum discount offered is 50%. However, if a claim is made, the NCB is lost, and the discount is reset to zero.

United India Car Insurance Premium Calculator

A Car Insurance Premium Calculator is a tool that allows you to estimate the premium you will need to pay for your car insurance policy. It is an online tool that is easy to use and can provide you with an accurate premium estimate based on your car's make and model, location, age and other relevant factors.

To use the Car Insurance Premium Calculator, you need to input the required information, and the tool will calculate the estimated premium for you. You can then compare the premiums of different insurance providers and policies to select the one that fits your budget and offers the desired coverage.

Benefits of Car Insurance Premium Calculator

Here are the top benefits of using a Car Insurance Premium Calculator:

1. Accurate premium estimates: The premium calculator provides you with accurate premium estimates based on your car's make and model, location, age and other relevant factors. This helps you to plan your budget accordingly and avoid any unexpected expenses.

2. Saves time: A premium calculator is an online tool that is easy to use and saves you time. You don't have to manually search for quotes from different insurance providers or contact them individually for premium estimates.

3. Comparison of policies: By using the premium calculator, you can compare the premiums of different insurance providers and policies. This allows you to select the policy that offers the best value for your money and meets your coverage needs.

4. Customisation: Premium calculators also allow you to customise your policy by selecting the desired coverage and add-ons. This way, you can design a policy that suits your specific needs.

5. Helps in decision-making: By providing accurate premium estimates and policy comparison, the premium calculator can help you make an informed decision about your car insurance policy. You can select a policy that fits your budget and offers the desired coverage.

Using a Car Insurance Premium Calculator can save you time and help you make an informed decision about your car insurance policy.

It is recommended that you use this tool before purchasing a policy to ensure that you are getting the best value for your money.

United India Contact Details

To contact United India Insurance Company, check out their website:

If you need to reach their customer care team, you can call 91-044-28575200.

United India Car Insurance Policy Document

United India Car Insurance Policy Document is a crucial document that outlines the terms and conditions of the car insurance policy. The policy document captures all the essential details related to the policy, including coverage details, policy exclusions, terms of the policy and claim procedures.

It is essential to carefully read and understand the policy document to make informed decisions regarding your car insurance coverage.

• The policy document serves as a legal agreement between the insurance provider and the policyholder. It also helps avoid any misunderstandings or disputes at the time of claim settlement.

• The policy document captures important details such as the policyholder's name, car make and model, the policy period, premium amount, coverage type and coverage limit. It also mentions policy exclusions, which are situations or events that the insurance provider will not cover under the policy.

• In case of an accident or any other unforeseen event, the policy document provides guidance on the claim process, such as the documents required for filing a claim, the claim settlement procedure, and the time frame for claim settlement.

How to Download United India Car Insurance Policy Online Using Policy Number?

To download the United India Car Insurance Policy online using the policy number, follow the steps given below:

• Visit the official website of United India Insurance Company Limited.

• Click on the 'Customer Portal' option and select 'Policy Details' from the drop-down menu.

• Enter your policy number and other required details, such as your registered mobile number and email ID.

• Once the details are verified, you will be able to access your policy details.

• Click on the 'Download Policy' option to download the policy document in PDF format.

• Save the policy document to your computer or mobile device for future reference.

If you face any issues while downloading the policy document, you can contact United India Insurance customer care for assistance.

It is important to keep a copy of the policy document handy as it contains all the essential details related to your car insurance coverage, and it serves as proof of your insurance coverage.

How to Get a Hard Copy of United India Car Insurance Policy

To get a hard copy or physical copy of the United India Car Insurance Policy, you can follow the process given below:

• Contact United India Insurance customer care either through phone or email and inform them about your request for a hard copy of the policy document.

• Provide your policy number and other details that may be required for verification.

• The customer care executive will provide you with the necessary information on the process and the required documents for obtaining a hard copy of the policy document.

• Once the required documents are submitted, the insurance company will process the request for a hard copy of the policy document.

• The policy document will be sent to your registered address through courier or post.

It is important to keep a hard copy of the policy document as it serves as proof of your car insurance coverage and contains all the important details related to the policy, including the coverage limit, policy exclusions, and the claim process.

How Can I Make Changes In My United India Car Insurance Policy Document?

If you want to make changes to your United India Car Insurance Policy Document, such as updating personal details, changing the coverage type, or adding or removing a vehicle, you can do so by following the steps given below:

• Contact United India Insurance customer care through phone or email and inform them about the changes you want to make to your policy.

• Provide your policy number and other details that may be required for verification.

• The customer care executive will provide you with the necessary information on the process and the required documents for making the changes.

• Submit the required documents and information, such as proof of address, identity proof, and vehicle registration documents, as per the instructions provided by the customer care executive.

• Once the changes are processed, the policy document will be updated to reflect the changes.

It is important to ensure that your car insurance policy reflects accurate information to avoid any issues at the time of claim settlement.

United India Car Insurance Renewal

The United India Car Insurance policy needs to be renewed annually to ensure continuous coverage. The renewal period starts 45 days before the policy expiry date and extends up to 30 days after the expiry date.

It is important to renew your car insurance policy on time to avoid any lapse in coverage and to ensure that you are protected against unforeseen events.

Renewing your United India Car Insurance policy has several benefits, including:

• Continuous coverage without any gap in the policy.

• No loss of accumulated benefits such as no-claim bonus.

• Hassle-free renewal process with minimal documentation.

• Peace of mind and protection against financial losses in case of any untoward incident.

To renew your United India Car Insurance policy, follow the process given below:

• Visit the official website of United India Insurance Company Limited.

• Click on the 'Customer Portal' option and select 'Renew Policy' from the drop-down menu.

• Enter your policy number and other required details, such as your registered mobile number and email ID.

• Choose the type of coverage you require and the policy duration.

• Pay the premium amount using the online payment options.

• On successful payment, the policy document will be renewed and sent to your registered email ID.

It is important to renew your car insurance policy on time to ensure continuous coverage and avoid any financial losses.

United India Third-Party Car Insurance

United India Third Party Car Insurance is a type of insurance policy that provides coverage to the policyholder against any legal liability that may arise due to the third party's bodily injury or property damage caused by the policyholder's vehicle.

It is mandatory to have a third-party car insurance policy in India as per the Motor Vehicles Act 1988.

Third-party car insurance is important as it provides financial protection to the policyholder against any legal liability that may arise due to an accident involving the policyholder's vehicle.

United India Third-Party Car Insurance Coverage

Under United India Third-Party Car Insurance, the policyholder is covered against any legal liabilities that may arise due to bodily injury, death, or property damage caused to a third party by the policyholder's vehicle. The policy provides the following coverage:

1. Bodily Injury: If the policyholder's vehicle causes bodily injury to a third party in an accident, the policy covers the legal liabilities arising out of such injury. The policy provides coverage for medical expenses, hospitalization costs, and compensation for disability or death caused due to the accident.

2. Property Damage: If the policyholder's vehicle damages a third party's property in an accident, the policy covers the legal liabilities arising out of such damage. The policy provides coverage for the cost of repairs or replacement of the damaged property.

3. Legal Expenses: The policy also covers the legal expenses incurred by the policyholder in defending any claim made by a third party against them.