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 165 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
    "Good Insurance Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was taken from United India. I have purchased second hand car, so i have been renewing the policy with the same company which car holder was having at earlier. I am paying the premium amount of Rs. 13000 per year. I have not applied for any claim till now.
    Was this review helpful? 1
    , manjeri
    Reviewed on Nov 05, 2019
  • United India
    United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have selected third party insurance for my car, the premium is reasonable with United India Insurance. I have Maruti Wagnor and its 10years old, their IDV is less. I have paid yearly premium around 4,700 rupees and have received the insurance paper. I have no claim experience.
    Was this review helpful? 1
    , pune
    Reviewed on Oct 19, 2019
  • United India Car Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I have Hyundai car which is more than 18years, United India is charging me insurance fee around 3500rupees for one year policy. They are sending the insurance paper on time. Its a third party insurance. The claim is not applicable. IDV is less which can be better.
    Was this review helpful? 0
    , palakkad
    Reviewed on Sep 29, 2019
  • United India Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    Currently I taken car policy from United India by paying the premium around Rs.14,000 for per annum for my toyoto car. It has bumper to bumper zero depreciation plan and they do have road side assistance, break down service, 24 hours service. The customer service is good interms of reminder. alerts.
    Was this review helpful? 0
    , vijayawada
    Reviewed on Sep 20, 2019
  • United India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    United India renewal process is very easy and they give reminder call before the due date. I paid Rs.7800 for per annum for my bumper to bumper plan, they are providing road side assistance, 24 hours. They do have no claim bonus for my renewal. The service is prompt I able to reach them at any time.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Sep 09, 2019
  • United India Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My car is insured with United India because its premium is good when compared to private insurer. I have taken a first party insurance. The policy coverage is one year. I have done a claims and it was good. It includes bumper to bumper. They have provided the reimbursement in a week.
    Was this review helpful? 2
    , bangalore
    Reviewed on Aug 28, 2019
  • United India Car Insurance
    "Good to go"
    0.5 4.5/5 "Excellent!"
    I faced a claim with my car policy, when I met with an accident the front bumper got damaged at the time I got the cash less granges I left the car in authorized showroom , after 15 days I got my vehicle back. They are providing road side assistance, 24 hours service as well. I paid Rs. 6000 for bumper to bumper policy.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Aug 26, 2019
  • United India Car Insurance
    "Not recommendable"
    0.5 4.0/5 "Great!"
    Taken my car insurance policy from United India. I have bought the policy through online. It took more than 20 days to received the documents and still i haven't got any hard copy. There was an issue by entering the car insurance but now everything is fine. I have contacted the customer care and the service is very bad and they won't tell the information and they are keep on giving a different number to contact.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 19, 2019
  • United India Car Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    Around 2 years back, i bought the car insurance from United India people have recommended this policy and their service has been better. I pay the premium amount of Rs. 5000 approximately. They have offered me a coverage amount of Rs. 5 lakh and death benefit is Rs. 8 lakhs. This is a first party covered policy.
    Was this review helpful? 0
    , hubli
    Reviewed on Aug 06, 2019
  • United India Car Insurance
    "Good Car Insurance"
    0.5 4.0/5 "Great!"
    When i go for the claim, they will send the bike to the garages and they will come and verify and processed the claim in 3 hours. If something to bike, they will take care of everything. I pay the premium amount of Rs. 23000 for all my 3 cars. They have given me a coverage amount of Rs. 6 lakhs and i did not apply for any claim so far.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 26, 2019
  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • 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 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
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