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United India Auto Insurance

The primary thing that works out well for United India Insurance Company Limited is that it is a 100% government of India owned entity. Thus, the vehicle insurance subset of the former, United India Auto Insurance Policy, enjoys staunch popularity in the Indian market. A feature rich, customer centric product that covers private cars, two wheelers and commercial vehicles.

What is Covered Under United India Auto Insurance?

Primarily, the United India Auto Insurance policy covers loss or damage to the vehicle due to the following reasons-

  • Accidental external means
  • Fire, Self ignition, lightning
  • Burglary house-breaking or theft
  • Terrorist acts, riots, strike or other malicious activity
  • Earthquake, Flood cyclone and Inundation etc
  • While in transit by rail, road, air, elevator, lift or inland waterways
  • Landslide or rockslide

Next, and importantly, coverage is extended for financial liabilities arising from your vehicle’s involvement and/or causal of an accident that resulted in the injury, death and/or property damage of a third party. This segment is known as ‘Third Party Motor Insurance’ or ‘Liability Only Coverage’.

More Savings- What are the discounts on offer?

United India Auto Insurance Policy offers the following discounts, aside from the usual No Claim Bonus (NCB)-

Installation of ARAI-approved anti-theft devices: @ 2.5% or Rs.200, whichever is less.

Membership with recognised auto associations: @ 5% or Rs.200, whichever is less.

Special vehicles (modified to suit blind, handicapped and/or mentally challenged persons): @ 50% for use by the differently-abled.

Classic/Vintage cars: @ 25% for cars produced before 21.12.1940, recognised by the Vintage and Classic Cars Club of India.

Use within the insured’s premises: @ 33% on tariff rates.

The Verdict- Go for it!!

A complete package, and the option to buy United India , makes it an attractive option for those who need a complete and hard-working auto insurance cover. Boasting of a vast network of authorized partner garages, strong customer support bearings and adherence to emerging technologies and methodologies, United India Auto Insurance Policy appeals to everyone.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

 4.5 / 5.0   by 154 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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United India Auto Insurance Reviews

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  • United India Car Insurance
    "Recommendable policy"
    0.5 3.0/5 "Satisfactory"
    Since my friend is working in United India hence i have chosen the car insurance policy from them. Since the car is 5 years old, they won't provide the zero depreciation policy and its a third party policy. I have paid the premium amount of Rs. 1800 and the premium is very less and the coverage amount is less than lakhs. I have got my no claim bonus and i don't have any claim experience with them. They have sent the hard copy of the documents to the customer's address without any request.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 14, 2019
  • United India
    United India Car Insurance
    "Car Insurance"
    0.5 3.5/5 "Pretty good"
    I have taking United India Assurance's Car insurance for last 3 years on my 3 cars. My experience has been pretty nice and good. Their rates are very comparative. Although I have not had a chance of making any claim so cannot comment on their claim servicing. But I'm otherwise satisfied with them.
    Was this review helpful? 0
    , pune
    Reviewed on May 25, 2019
  • United India Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I had a claim with the car insurance policy with the UNITED INDIA INSURANCE, the experience was not up to the mark, the agent did not experience me properly about the policy coverage it there is accidental policy or damage policy covered or not, the premium amount i use to pay up to 18000-19000 an year i have taken this policy 15 days before of my expired car insurance date, on 23 January 2019 i took this loan.
    Was this review helpful? 0
    , pune
    Reviewed on May 23, 2019
  • United India Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I had a claim with the car insurance policy with the UNITED INDIA INSURANCE, the experience was good also i got 100 percentage claim, process was good and quick. It is a zero depreciation, premium and IDV was given was good also it is satisfactory with this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on May 20, 2019
  • United India Car Insurance
    "Trusted Insurance Company"
    0.5 5.0/5 "Blown Away!"
    I have fancy number yellow board car so the premium is higher around Rs.36,000 for per year. Its only 1.5 years old maruthi ciaz card, the insurer provides 24 hours road side assistance and no claim feature. They do have cash less garages, I got the insured value around Rs.8.5 lakhs, total value of the car was around 13 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 13, 2019
  • United India Car Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I took a car insurance from United India because of their service. I have been using the service for last 5 years and have not done any claims. I pay Rs.7000 for one year policy. I have Etios car and which is 6 years old. I opt for third party insurance and have received the insurance paper.
    Was this review helpful? 0
    , chandigarh
    Reviewed on May 10, 2019
  • United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    The premium is better with United India. I took an insurance for Hyundai Eon car which is 5 years old. It was good for cashless, the renewal process is simple. I got third party insurance and i think its bumper to bumper. According to my experience they have limited garages for Hyundai, I got the insurance paper .
    Was this review helpful? 1
    , chennai
    Reviewed on May 06, 2019
  • United India Car Insurance
    "Not satisfied"
    0.5 1.0/5 "Really Bad"
    Earlier my car was insured with United Insurance and am not happy with the services. The customer support is not up to the mark and they never replied for my emails. I have gone for reimbursement, the claim process was very lengthy and received only half of the amount.
    Was this review helpful? 0
    , nasik
    Reviewed on May 02, 2019
  • United India Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the UNITED INDIA INSURANCE, the premium with this policy is nominal added on that the IDV value is satisfactory and it is my new card so they have given the bumper to bumper policy coverage.
    Was this review helpful? 0
    , vadodara
    Reviewed on Apr 16, 2019
  • United India Car Insurance
    "Smart Protection"
    0.5 4.0/5 "Great!"
    I have car insurance form United India, for my maruthi alto 800 car the last year premium was around Rs. 5000 for one year, its a comprehensive plan with 100% of protection. It covers from front bumper to back bumper. My vehicle is around 5 years it has good idv value.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Apr 11, 2019
  • United India Car Insurance
    "Good"
    0.5 4.5/5 "Excellent!"
    I have compared online and gone with United India for car insurance. Only because the premium is affordable and its one year policy need to renew after 9th of May. I have received the ins paper. Its a comprehensive plan and paid 17K approx transferred to the agent, he was helpful.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 28, 2019
  • United India Car Insurance
    "Poor customer service"
    0.5 1.0/5 "Really Bad"
    When i went for claim in United India insurance , I didn't get the proper response from any of the Staff . They were very particular about for the rejecting the claim . Then from my pocket i spent 30 k for repairing my car . I made complaints up to higher level officer in United India .
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 06, 2019
  • United India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the UNITED INDIA INSURANCE where i have no claim experience with this insurance policy. I am using it since from last 3 years where the premium is lower compared to the others along with that they offers good IDV value.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 12, 2019
  • United India Car Insurance
    "AVERAGE"
    0.5 3.0/5 "Satisfactory"
    I am not satisfied with the car insurance policy where i have taken it through the UNITED INDIA INSURANCE because they customer service is not and they have not provided the documents on time at the beginning. The premium and the IDV value is nominal when compared to the others.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Feb 01, 2019
  • United India Car Insurance
    "It can be better"
    0.5 4.0/5 "Great!"
    I took my car insurance in United India and I have continued the policy for last 2 years. It is good and am satisfied with the premium. They are doing good service as well. The claim process was bit difficult and it was cashless but I got it reimbursement. The policy coverage was good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 31, 2019
  • United India Car Insurance
    "Good Car Insurance"
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased from united India. I have paid the premium amount of Rs. 12000. My dealer has recommended me about this policy. I have got the IDV value of Rs. 10.44 lakhs. This is a 100% coverage policy. I have not claimed anything from this policy.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jan 28, 2019
  • United India Car Insurance
    "Yet to experience the policy"
    0.5 3.0/5 "Satisfactory"
    I have applied the claim for my car recently. I have given the car into the showroom and they have asked me to inform in the insurance company. When i visited other branch they have asked me to the home branch. They have given me a sufficient IDV value. Its covered with a bumper to bumper facility.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 21, 2019
  • United India Car Insurance
    "Good car insurance policy"
    0.5 5.0/5 "Blown Away!"
    Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2018
  • United India Car Insurance
    "No claim experience in United India"
    0.5 4.5/5 "Excellent!"
    When i purchase my car, bank has given me a United Car Insurance. There is no much difference between this policy and others. The premium amount is less since its provided by the bank people. I paid the premium amount of Rs. 24000. 10 years back, i have purchased this policy. They have given me a 100% coverage value. I have not claimed anything in this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 02, 2018
  • United India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance with United India Insurance and using the service for long time. I am not happy with the customer service and they even didn't remind me about the policy renewal. I don't have any claim experience. The policy coverage is good. I am a senior citizen and have paid 8K to purchase this policy.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Nov 29, 2018
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