



Accidental damage costs

Vehicle theft

Traffic challan penalties


Zero depreciation

Cashless garage

+3 more ADD ONS
₹3,416
Exclusive of GST
Car insurance is a financial safety net that helps the insured (policyholder) cope with financial losses arising from vehicle damage. It prevents the insured from the monetary losses occurring out of accidents, theft, fire, or other possible risks to the vehicle and to themselves.
At its core, car insurance is a legal contract between the insured and the insurance company, where the insurer promises to cover financial damages as outlined in the policy. In return, the policyholder pays a fixed amount known as the ‘Premium’, at the agreed intervals.
Car insurance is not only a safeguard for your own vehicle but also a legal obligation under IRDAI regulations, providing coverage for damages or injury caused by your vehicle to third-party property or individuals.
Depending on the type of insurance, coverage and premiums vary. There are several types of insurance designed to meet the diverse expectations of vehicle owners and cover financial losses in the event of an accident or any other mishap covered under the selected car insurance policy.
United India Insurance Company has been at the forefront of providing car insurance policies for decades. UIIC is a nationalized car insurance company, offering different types of car insurance policies to meet the diverse protection to the vehicle, depending on the preferences of the vehicle owners. Broadly, UIIC offers a Liability Only Policy and a Package Policy.

Features | Coverage & Benefits |
|---|---|
Commencement of operations | 1938 |
Cashless Garages | Yes |
No Claim Bonus (NCB) | 20% - 50% |
24*7 Assistance | Yes |
Add-ons | Yes |
Third-party Coverage | Yes |
Own Damage Cover | Yes |

Mandatory by law. Covers damages or injuries caused to others, but not your own car

Covers both your car and third-party damages. Protects against accidents, theft, fire, and natural disasters

Protects only your car from accidents, theft, or disasters. Doesn’t cover third-party liabilities

Flexible plan where premium depends on how much you drive. Ideal for low-mileage users
Covers third-party liabilities, including third party death, disability & property damages
Covers accidents, including third party liabilities and property damage.
Covers theft, including third party liabilities and vehicle recovery costs.
Covers man-made acts, including third party liabilities and related damages.
Covers natural calamities, including third party liabilities and environmental damages.
Covers fire, including third party liabilities and property damages.
Covers animal attack, including third party liabilities and injuries.
Depreciation is not covered, which reduces the insured declared value (IDV) of your vehicle over time, affecting claim payouts for own-damage.
Claims are denied if the driver holds an invalid or expired license, as this violates policy terms requiring a valid license at the time of the accident.
Any incident involving driving under the influence of alcohol or drugs voids the claim, as it constitutes reckless behavior excluded from coverage.
Coverage does not extend beyond specified geographical limits, such as international borders or restricted zones defined in the policy.
Damage due to mechanical or electrical breakdowns is not covered unless resulting from an accident; routine wear and tear are excluded.
Claims are invalid for vehicles used in illegal activities or modifications that contravene regulations, including unauthorized racing or overloading.
Loss or damage from war, invasion, nuclear risks, or civil commotion is explicitly excluded under standard policy clauses.


Ensures you comply with Indian traffic rules and avoid fines or penalties

Protects against costly repairs from accidents, fire, or theft

Covers injury or death of others in an accident caused by your car

Ensures financial support for you or your family in case of injury or death

From minor scratches to major accidents, your policy keeps repair costs in check.

TP cover handles third-party treatment expenses after an on-road mishap, protecting you from hefty medical bills.

Accident caused by your car: compensation for third-party disability, and for death, support to their dependents.

PA cover provides compensation to the owner/driver’s family in case of death, easing severe financial stress.
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Safeguard your car from the consequences of unforeseen circumstances. Get a reliable United India car insurance plan through Park+ quickly and in a hassle-free way.
Note: Choose a comprehensive policy to secure extensive coverage, and consider adding essential add-ons like Zero Depreciation and Engine Protection for enhanced protection.
Start your journey by visiting Park+ and reaching the ‘Insurance’ section.
Input details
Enter the required details, such as ‘Vehicle Number’, to get the quotes.
Compare, customise and choose
Review and compare the United India policy features, add-ons, terms and conditions, etc., to make an informed decision.
Complete KYC and pay
Verify your details by completing KYC and make the payment to buy a United India car insurance policy.
Kick out even the bare minimum possibility of the financial losses occurring out of car accidents or other adverse situations by renewing your car insurance policy with Park+ on time.
Note: Renew your car insurance on time to ensure that your No Claim Bonus (NCB) remains unaffected and continues to work in your favor.
Begin the car insurance renewal journey
Navigate to the ‘Car Insurance Renewal’ section on the Park+.
Provide the required details
Input your vehicle registration number, name, and mobile number to proceed with the car insurance process.
Choose, Customise and Review Your Insurance Plan
Explore United India car insurance plans, select suitable add-ons, and review your details along with the final premium before proceeding.
Make a Secure Payment and Renew Instantly
Select your preferred payment method, complete the payment, and get your United India car insurance renewed instantly.
Encountered an accident/mishap? Worry not! Perform the below-enumerated actions to claim your monetary loss securely and quickly.
Note: Start the claims process immediately and adhere to your insurer's guidelines to prevent any unnecessary delays or claim rejections.
Report the Incident Promptly
File an FIR (if necessary) and notify United India immediately to initiate the claim process.
Submit all relevant evidence, including photos and videos, to your insurer to facilitate smooth claim processing.
Damage Assessment and Vehicle Repair
The insurer will assess the damage, and upon approval, your vehicle will be sent to an authorised garage for repairs.
Claim Settlement After Repairs
Once repairs are completed, the United India will settle the claim according to your policy terms.
Here are the necessary documents one should have at the time of buying a car insurance policy and to get a claim.
Note: Keep all necessary documents ready for a smoother and faster claim experience, ensuring quick approvals and efficient processing.
A completed and signed HDFC Ergo insurance proposal form is required to initiate the insurance process.
A copy of the vehicle's Registration Certificate (R.C.) must be submitted as proof of ownership and registration.
The original invoice of the vehicle should be provided to verify the purchase details and vehicle model.
Identity proof of the applicant (vehicle owner)
A government-issued identity proof (e.g., Aadhar, Passport, or Driver’s License) is required to confirm the vehicle owner's identity.
Address proof of the applicant (vehicle owner)
A valid address proof (e.g., utility bill or bank statement) is necessary to verify the applicant’s residential details.
Additional documents or information may be requested by the HDFC Ergo to complete the policy issuance process.
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Yes, UIIC provides a discount of 2.5% on the premium of the OD car insurance policy on installation of the ARAI-approved anti-theft devices. To get the correct details, refer to the policy terms and conditions or connect with the insurer.
Yes, UIIC allows policyholders to raise a claim request online by visiting their website.
Yes, on request by the vehicle owner, the geographical limits can be extended up to a certain boundary (as per the company’s policy), but for this, an additional premium will be charged.
Definitely. Policyholders can transfer their car insurance policy in the name of the new vehicle owner within 14 days from the date of sale.