Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • United India Car Insurance

     4.5 / 5.0   by 73 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    United India Insurance Company Limited is a public sector General Insurance Company of India (Wholly owned by Govt. of India). With the net worth of Rs 5,361 crores as on the financial year 2013-14, The company has more than three decades of experience in Non-life Insurance business headquartered in Chennai.

    Key Benefits of United India Car Insurance

    So you’re stranded almost nowhere

    Cashless Claim Networks

    Direct Cashless Claim settlement in network garages across India

    Don’t we love a good discount?


    Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars

    Help is always at hand

    Accidental Cover /Customer Support

    Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement

    Add-on Covers for United India Car Insurance

    Depreciation cover for United Inida Car Insurance

    Depreciation Cover

    100 % repayment covered

    Invoice price cover for United Inida Car Insurance

    Third Party Cover

    The policy provides Third Party Property Damage of Rs. 7.5lakhs

    Personal Accident cover for passengers

    Personal Accident Cover

    Personal accident cover for the owner driver for a specified sum insured

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Inclusion & Exclusion in United Inida Car Insurance

    No capers without the required papers!


    Personal accident cover for the owner driver for a specified sum insured

    Drink OR drive. There’s only one choice


    Damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    United India Car Insurance Policy Highlights Updated on 22 Sep 2017

    Features Specifications
    Third Party Cover Upto 7.5 L
    Incurred Claim Ratio* 72.22%
    Net Earned Premium* 417281

    *For Year 2015-2016


    Benefits of United India Car Insurance

    United India Insurance Co. Ltd., formed in 1938 and nationalised in 1972, is one of India’s oldest insurance companies. It has an extensive reach with 1,340 offices servicing clients in urban, semi-urban and rural areas. The company also boasts one of the most diversified product portfolios with solutions that provide coverage for assets ranging from livestock to satellites. The following kinds of insurance are offered to customers: Fire, Health, Motor, Marine, Industrial, Liability, Credit and Micro Insurance.

    Who Needs Car Insurance?

    It is required by all those who intend to drive in the country. As mandated by law, all vehicles plying on Indian roads have to have third-party insurance. Own-damage policies are optional but by availing a comprehensive policy one can ensure all-round protection. It is also more economical to have an all-in-one package than having separate indemnity contracts.

    What is private car insurance?

    It is a form of personal insurance, usually included in the product portfolio of general insurance companies that aims to safeguard the financial interests of motorists with insurable interest in automobiles used for private purposes. Subject to provisions, passengers and paid employees are also included in the scope of the contract. Cars, being an expensive asset, can be the subject of situations that give rise to unpredictable financial setbacks.

    United India’s Motor Package

    The company offers ‘third-party liability only’ covers as well as comprehensive packages. It is always advisable to opt for comprehensive packages since it is impossible to tell what kind of events can lead to losses. The nature of hazards can be varied and financial fallouts can prove to be expensive not to mention the inconvenience that one has to bear in the absence of a necessary vehicle.

    What does it cover?

    A comprehensive policy that takes care of the financial needs of the proposer as well as third-parties in the event of an accident involving the insured vehicle.

    1. Own-Damage:
      • While many insurers limit the scope of coverage, United India extends it's protection to a wide range of situations that cause impairment to the owner-driver’s life/property. Policyholders are entitled to make claims for losses incurred due to:
        • External causes, deliberate or intentional.
        • Larceny - this includes loss or damages to accessories.
        • Fire, environmental disasters e.g. landslides, floods etc.
        • Transit mishaps (whether through road, rail, waterways etc.)
        • Terrorism, public disturbances.
      • If the accident leaves the car in need of repairs, cover (at marginal, additional costs and within specified limits) extends to:
        • Transporting the automobile to the nearest repair centre.
        • Repairs required to be done immediately.
    2. Third-party Legal Responsibility:
    3. As awarded by the court to the third party involved, to compensate for:

      • Death.
      • Physical injury/disability.
      • Property destruction.
    4. Personal Accident Cover for owner-driver:
    5. Compensation payable relates to the type of loss:

      • 100% in the event of death, loss of two limbs, loss of vision in both eyes, loss of one limb and vision in one eye and Permanent Total Dismemberment (PTL).
      • 50% in the event of loss of only one limb or loss of vision in only one eye.
    6. Additional Covers:
      • Available on payment of extra premium.
      • The following can be included in the scope of the contract:
      • Usage in the following geographic locations (outside the regular boundaries) - Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, Maldives @ Rs.500 per car.
      • Personal accident covers - for employees and unnamed occupants of the car during the time of the accident.
      • Imported or non-factory fitted electrical and electronic accessories - @4% on cost of the equipment.
      • Bi-fuel kits - upon declaration; @4% on cost of the CNG-LPG kit.
      • Fuel tanks made of fiberglass - @ Rs.50 above own-damage premium.

    What is not covered?

    The following exclusions are incorporated in the contract:

    • Contractual obligations.
    • War, nuclear hazards.
    • Driving while intoxicated by liquor or drugs.
    • Loss due to natural usage, devaluation with age, general depreciation.
    • Driving beyond permissible boundaries (geographically).
    • Usage beyond permissible limits.
    • Driving without a valid license.

    What is the sum assured?

    The sum assured/insured is referred to as the IDV of the car.

    IDV stands for Insured’s Declared Value and is calculated as the producer’s selling price of the automobile (of the same type, make, model, specifications) less the depreciation (applicable as per the below-mentioned table). The IDV, considered to be the market value, reduces with every passing year since the depreciation increases as the motor vehicle ages.

    (depreciation indicated against automobile age)

    • 5% - up to 6 months
    • 15% - between 6 months and 1 year
    • 20% - between 1 and 2 years
    • 30% - between 2 and 3 years
    • 40% - between 3 and 4 years
    • 50% - between 4 and 5 years
    • As decided by the insurer and insured - Above 5 years (and models no longer manufactured).

    The above schedule is used for Total Loss (TL) or Constructive Total Loss (CTL). CTL is considered when total cost of damages is greater than 75% of IDV.

    For third-party liability the cover is set as per the Motor Vehicles Act, 1988.

    On what basis are premiums calculated?

    • For own-damage: Set on the basis of IDV or sum insured.
    • For third-party liability: Set as per tariffs under the Motor Vehicles Act,1988.

    What are the No-Claim Benefits?

    • No-Claim Benefits that the proposer is entitled to upon renewal are as follows:
      • 20% - 1 year.
      • 25% - 2 years.
      • 35% - 3 years.
      • 45% - 4 years.
      • 50% - 5 years.

      The years mentioned here relate to the consecutive, claim-free years, preceding renewal. The percentage of bonus mentioned relates to Own-damage premium.

    • Renewal should be executed within 90 days of policy expiry.

    What are the other discounts offered?

    In addition to no-claim bonuses, the proposer can avail the following discounts for:

    • 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: @ 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.

    Besides the obvious benefits of this motor package policy , the company also offers a quick and easy way to process claims by undertaking repairs at any of it's numerous associated garages which form a part of it's network for cashless servicing.

    This policy has the added advantage of an online purchase and renewal facility thereby saving clients time, money and effort in addition to easy tracking of applications and policy status.

    FAQS For United India Car Insurance

    1. What are the different policies available to customers?

      United India provides car insurance package policies and liability only policies.

    2. Does the United India Car Insurance policy cover damage/loss of accessories by burglary/housebreaking/theft?

      Yes. United India Car Insurance policy covers damage/loss of accessories by burglary/housebreaking/theft.

    3. What are the discounts that can be availed on insurance premium under United India car Insurance?
      • 25% discount on vintage cars
      • 20% to 50% no claim bonus, depending on claim free years.
      • Automobile Association members get a discount of 5% on own damage premium.
      • Vehicles with anti-theft devices get a discount of 2.5%
      • Vehicles specifically designed for blind/handicapped/mentally challenged people can be insured with a 50% discount on the own damage premium.
    4. Can I substitute my present vehicle under the existing policy?

      In the balance period of a policy, a vehicle can be substituted by another vehicle, subject to adjustment of premium if any, on pro rata basis from the date of substitution.

    5. Can transfer of ownership be done on an existing policy?

      Yes. In case of change of ownership the transfer of Insurance policy has to be done within 14 days from the date of transfer of ownership.

    This Insurance Company has not partnered with For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    News About United India Car Insurance

    • New CMD of United India Insurance talks of company’s IPO plans for FY 17-18

      The newly appointed CMD of United India Insurance Company, A V Girijakumar has spoken about the company’s vision for the upcoming financial year. The company is planning for an IPO once GIC and New India Assurance go public. United India intends to turn more viable and become a more economical enterprise with a strong holding of public shareholders. He added that the company mainly plans to reduce underwriting losses incurred from group health business. He also added that the prices in the group health sector will be revised, despite the risk of losing out on business and clients. Mr. Girijakumar also said that the target for the financial year 2016-17 was Rs.14,444 crore, and the company had already crossed the target at Rs.15,000 crore. According to him, the health sector has been a good driver for growth as well as crop insurance, particularly from Pradhan Mantri Fasal Bima Yojana. With regard to Motor Insurance, there have been talks on setting a limit to the insurer’s mandatory third-party liability as it can be very high sometimes. It has also been discussed that unlimited coverage should be provided as an add-on cover that a prudent customer may choose.

      3rd April 2017

    • Claim Insurance for Your Damaged Car Now – United Car Insurance

      Was your motor vehicle totally inundated in the Chennai floods? Though it will be least of your worries in the current situation, it would be a prudent step to notify your insurance carrier or the authorized workshop, as any effort to kick-start or rev up your vehicle can end up in you losing your entire claim as per the Comprehensive Automobile Insurance Policy.

      Insurance providers like United Car Insurance have been warning people exactly the same. As per the rules, insurance carriers must be alerted about automobiles being water-logged and then they would send an expert to gauge the loss and damage. But trying to start the engine could lead to further problems, which will not be compensated by the insurer and will also impact the depreciation value. To date, United India Insurance has been sent 250 claims under the Comprehensive Insurance Policy for Motor Vehicles. This figure is likely to shoot up even more in the coming weeks.

      22nd December 2015

    • United India Insurance clears crores worth of Car Insurance this week

      The past week has been a trying time for all insurance companies. Due to the floods and resultant property damage in Tamil Nadu and Andhra Pradesh, there have been a rush of car insurance claims. The number of claims related to property and automobile insurance has shot up in the wake of heavy downpour in AP and TN. United India Insurance has got over a thousand claims to the tune of INR 300 crore in the previous fortnight alone. While insurance providers have got the required systems in place to hurry up with the claims settlement procedures, they also take this as a chance to make more sales on other products There is also 750 claims worth INR 45 crore for car insurance (damage/ theft) according to the Director and GM of United India Insurance, Ms. A V Girija Kumar.

      25th November 2015

    • ‘Holidays Equal Bigger Claims’: United India Car Insurance

      While holidays, festivals and long weekends are eagerly looked forward to by common city-dwellers, these stints aren’t very welcome where motor insurance companies are concerned. United India Car Insurance maintains that irresponsible and drunken driving creep up heavily through these ‘relaxed’ times and the inevitable auto crashes and damages do follow. Thus, these durations equate to a steep increment in claims and bigger settlement values. The company also observes that certain geographical locations do also contribute to this trend- the Delhi to Shimla highway, the Mumbai- Pune corridor are prime examples that spawn a good flow of motor insurance claims. The United India Car Insurance is one of the many insurers who hope that the exhibition of such unfriendly statistics will implore drivers to be more responsible, while on the road, through a holiday break.

      27th January 2015

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

    United India Car Insurance Reviews

  • Page 1 of 4 1 2 3 4
    • United India Car Insurance
      "Excellent service"
      0.5 4.0/5 "Great!"
      I paid around Rs.6896 to renew the car insurance policy with United India. I hold a Indica V2 4 wheeler. Around a year ago I got this policy. I never had any claim experience with United INDIA. The policy coverage is good with this united India. I would say it is good to have a policy with United India .
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • United India Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I approached my car showroom dealer to provide United India insurance, because they are providing 100% of vehicle coverage with zero depression value. Hence I found it good, therefore I have submitted my RC book copy, license copy and my old policy copy to my dealer to avail United India insurance now its under process.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • United India Car Insurance
      0.5 4.5/5 "Excellent!"
      I have insured my car for six lakh Rupees with the United India Insurance company. Customer service is also good one and they have provided zero depth coverage like its bumper to bumper. I have not faced any claims with them, also third party coverage is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 28, 2017
    • United India Car Insurance
      "Better policy"
      0.5 5.0/5 "Blown Away!"
      I never had any kind of claim experience so far with my 4 wheeler insurance policy. I am renewing the 4 wheeler policy with United India Insurance for past 7 years. The charges are the same with United India and the 3 rd party insurance company, The policy coverages and the benefits are good with this policy, I paid Rs.49,000 to renew the policy this year. I am satisfied using this policy with United insurance.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 12, 2017
    • United India Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Having a 4 wheeler insurance policy with United India insurance for more than 2 years. The customer service is really good with United insurance, they also gives a reminder call to renew the policy on time. I paid Rs.9500 to renew the policy last time and satisfied using united insurance policy. I never had any claim experience so far.
      Was this review helpful? 0
      , gulbarga
      Reviewed on Jul 12, 2017
    • United India Car Insurance
      "Very good policy"
      0.5 3.5/5 "Pretty good"
      I got a 4wheeler insurance policy with United India insurance for past 2 years. I got Hyundai i-10 car. I never had any kind of claim experience so far. The customer service with united insurance is average. I get the text message to renew the policy before the due date. I paid Rs.8000 to renew the policy. I am happy to hold a 4 wheeler insurance policy with United India insurance.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jun 27, 2017
    • United India Car Insurance
      "Better insurance policy"
      0.5 5.0/5 "Blown Away!"
      I got the 4 wheeler insurance policy through in-nova outlet dealer . I hold 4 wheeler insurance policy for past 10 years with United India. I renew the policy every year. I paid around Rs.4000 to renew the policy this year, It has 1 year of validity,. The policy coverages and the plan benefits are good with United India insurance, I got Maruthi alto car which is insured with United India, I would say, I am happy holding this united insurance 4 wheeler policy.
      Was this review helpful? 0
      , udaipur
      Reviewed on Jun 20, 2017
    • United India Car Insurance
      0.5 5.0/5 "Blown Away!"
      From United India I have insured my car. Renewal is done once in every year around 15000 rupees is paid they are very good in response provided to the customers and they have provided a coverage of 100% I have not claimed on this car insurance. It is a full cover plan where vehicle is fully insured bumper to bumper
      Was this review helpful? 0
      , kannur
      Reviewed on Apr 15, 2017
    • United India Car Insurance
      0.5 5.0/5 "Blown Away!"
      I had taken car insurance from UNITED INDIA INSURANCE, I am holding this insurance for the past 3 years and I pay around 1100 per head, Its for my whole family.Awesome service offered by the customer support and I have met with an accident long back and hospital claimed the amount of 10k and I was able to recover the claim amount back.
      Was this review helpful? 1
      , petlad
      Reviewed on Mar 23, 2017
    • United India Car Insurance
      "Good Coverage"
      0.5 4.0/5 "Great!"
      My dealer have provided United India Insurance for the car, It was the easy process and I had received my insurance letter from them. I paid the premium of Rs.14,450 with the tenure for one year. They provided the coverage of Rs. 3.79 lakhs and its totally bumper to bumper, I didn't compare the benefit with some other insurance provider. But still I hope its a good insurance for my car.
      Was this review helpful? 1
      , amritsar
      Reviewed on Feb 25, 2017
    • United India Car Insurance
      "Worst service_ claiming is just a joke"
      0.5 0.5/5 "Unacceptable"
      Avoid this company. Worst service_ claiming for accident is just a joke for united India insurance company. Dont even have a call center to talk just ignoring the customer. Save yourself from this cheaters. No response from them even 6-months after accident notifying them.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 12, 2017
    • United India Car Insurance
      "Car insurance "
      0.5 4.0/5 "Great!"
      UNITED INDIA car insurance process is okay, there are no issues absolutely . I am holding this insurance for the past 3 years. No drawback nor any challenges till date. I normally pay a premium of 8000 to 9000 and that is the lower est in the market.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 23, 2016
    • United India Car Insurance
      "Good policy as per my requirement"
      0.5 4.0/5 "Great!"
      I used pay 4000 to 5000 per annum for my car insurance from United India. I had this insurance this year there was no claim experience. United India offered the policy coverage of bumper to bumper and with all coverage benefits including small damages. I paid online payment through United India website it was convenient.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 20, 2016
    • United India Car Insurance
      "Bumper to bumper coverage"
      0.5 4.0/5 "Great!"
      My car insurance is a Bumper to bumper cover and hence covers even the fiber parts. Since the showroom had the dealership tie up with United India Insurance, I took it with them this year and do find the insurance to be beneficial based on its coverage. They provide the ex-showroom price coverage excluding the accessories which makes it a zero depreciation policy. I have to just pay processing fee at the time of claim.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 28, 2016
    • United India Car Insurance
      "Hasslefree experience so far"
      0.5 3.5/5 "Pretty good"
      I have a four wheeler Insurance with United Insurance which I took and pay through an agent. I pay a premium of Rs.4k renewed yearly. I have been holding the insurance with them for about 7 years now. It has a comprehensive coverage and covers third party with a personal accidental cover as well.
      Was this review helpful? 1
      , coimbatore
      Reviewed on May 04, 2016
    • United India Car Insurance
      0.5 5.0/5 "Blown Away!"
      I have insured my car with the United India Insurance company and I can say that they are providing 100% response. I am paying around 20000 Rupees as the premium, also its the bumper to bumper and it will covers third party also.
      Was this review helpful? 3
      , chennai
      Reviewed on Mar 29, 2016
    • United India Car Insurance
      0.5 5.0/5 "Blown Away!"
      I have insured my car with the United India Insurance company and the services are really good with them. The premium is around 6000 Rupees per annum for the insured value of 2.9 lakh Rupees. Its the bumper to bumper coverage, also it covers third party too.
      Was this review helpful? 2
      , pune
      Reviewed on Mar 24, 2016
    • United India Car Insurance
      0.5 4.0/5 "Great!"
      With the United India Insurance company I have got the car insurance policy and the customer service is good. I have recently claimed like I have got around 5.21 lakh Rupees as the reimbursement, also I been with them from the last two years of time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2016
    • United India Car Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have the car which got insured with the United India Insurance and their services were nice with them. I have paid around 8000 Rupees as the premium and the total insured value of my vehicle is around 4.5 lakh Rupees.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 07, 2016
    • United India Car Insurance
      0.5 4.0/5 "Great!"
      A government company and the premium is too low for the car insurance as I got it a month ago. I got a normal plan and waiting for physical copies from United India Insurance. I three to four days they activated my insurance. Claim will be quick and now a days they improved a lot.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 04, 2016
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