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

     4.5 / 5.0   by 129 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    United India Insurance Company Limited is a public sector undertaking that has recorded tremendous growth post nationalisation. The company offers a vast range of insurance products to its customers. This covers the domains of motor insurance, health insurance, travel insurance, industrial insurance, and so much more. You can also buy householder’s insurance and shopkeeper’s insurance plans effortlessly by getting in touch with United India.

    Why Should You Buy Motor Insurance From United India?

    It is advisable to buy motor insurance from United India due to the following reasons:

    • The insurance company offers various discounts to customers in the form of No Claim Bonus (NCB), discount for automobile association membership, discount for installation of anti-theft devices, etc.
    • The insurer also offers special rates on the purchase of insurance for vehicles that are designed for mentally-challenged or handicapped people.
    • Vintage cars, i.e., the ones manufactured before 1940 and certified by the Vintage and Classic Cars Club of India, are offered special rates on motor insurance.
    • United India is a reliable insurance company that has a commendable claim settlement ratio and a proficient customer service team.

    Types Of Motor Insurance From United India

    United India offers motor insurance for private cars, commercial vehicles, and two-wheelers in India.

    • Two-wheeler insurance plan - This scheme offers comprehensive motor insurance coverage to two-wheelers, including insurance for own-damage and third-party liability.
    • Private car package plan - The policy offers insurance protection to private cars against natural calamities, accidents, man-made disasters, damages while in transit, etc. Third-party liability coverage is also offered.
    • Commercial vehicle insurance plan - This policy offers insurance protection to all types of vehicles that are used for commercial purposes. Vehicles running on rails are not provided insurance coverage.

    Apart from the above, the insurer offers standalone liability only plans with limited coverage at affordable costs. Customers can opt for the most suitable insurance plan to satisfy their specific insurance needs.

    United India Liability Only Insurance Policy - Inclusions

    The coverage under the liability only motor insurance plan from United India includes the following:

    • Protection from legal liability to a third party for accidental injuries, death, or property damage.
    • Personal accident cover for the owner-driver.

    This insurance plan does not offer protection to the insured vehicle itself.

    United India Package Policy - Inclusions

    The coverage under the package policy from United India can be divided into the following parts:

    • Section 1 - Own-damage cover

    This includes coverage for the following incidents:

      • Accidents, fire, terrorist activity, riots, malicious acts, strikes, earthquakes, floods, cyclones, in-transit damages, and landslides.
      • Losses due to theft, burglary, housebreaking, etc. is covered under a private car insurance policy. For two-wheelers, these incidents can be included in the coverage by paying an extra premium of 3% of the IDV of accessories.
      • For commercial vehicles, mudguard, lamps, tyres, etc. can be covered by paying extra premium.
    • Section 2 - Third-party liability cover

    This section includes coverage for the following incidents:

    • Liabilities to a third party for injuries or death in an accident
    • Liabilities for third-party property damage in an accident
    • Personal accident cover for the owner-driver

    United India Motor Insurance - Exclusions

    The United India motor insurance policy does not offer coverage for the following events:

    • Contractual liability
    • Nuclear disasters, wars, perils, etc.
    • Consequential losses
    • Depreciation of vehicle parts
    • Wear and tear of the vehicle
    • Electrical or mechanical breakdown
    • Losses while driving under the influence of liquor/drugs
    • Claims that arise outside the geographical limits specified in the policy
    • Using the vehicle beyond limits
    • Driving the vehicle without a valid license

    United India Motor Insurance FAQs:

    1. What are the add-on covers offered by United India for motor insurance?
    2. The add-on covers offered by the company can be used to enhance the coverage of your comprehensive motor insurance policy. These are:

      • Extension of geographical limits
      • Personal accident cover for passengers
      • Coverage for electronic/electrical fittings
      • Coverage for LPG/CNG bi-fuel kits
      • Coverage for fibreglass fuel tanks
    3. I have bought a used vehicle. How long do I have to transfer the existing insurance policy in my name?
    4. Once you have transferred the vehicle ownership in your name, you should transfer the insurance policy within 14 days.

    5. What is No Claim Bonus? How much of this discount can I earn?
    6. United India offers No Claim Bonus (NCB) to customers who do not raise any claims in a policy term. This bonus can be used to get a discount on your insurance renewal premium. The schedule for earning NCB as a percentage of the own-damage (OD) premium is shown in the table below:

      No. of claim-free years NCB (% of OD premium)
      1 20%
      2 25%
      3 35%
      4 45%
      5 50%
    7. What are endorsements?
    8. If there is a change in the coverage of a motor insurance plan, it will be updated in the policy documentation in the form of an endorsement. Endorsements may or may not bear extra premium. Some of the incidents that can result in an endorsement are:

      • Change in address of the policyholder
      • Installation of a bi-fuel kit in the vehicle
      • The policyholder getting membership in an approved automobile association
    9. What are deductibles?
    10. At the time of a claim, the policyholder will have to pay a certain part of the claim amount before the insurer pays the rest. This amount borne by the policyholder is referred to as a deductible or an excess. This is classified into compulsory and voluntary deductibles.

    United India Motor Insurance Reviews

  • Page 1 of 7 1 2 3 4 5
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the United India, I am making the payments online. I never had any claim experience with the policy so far. Considering the policy coverage and plan benefit, it has been a smooth experience so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 29, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with United India Insurance from last 7 years and it is a good policy to use. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10000 for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • United India Car Insurance
      "Good Car Insurance"
      0.5 3.5/5 "Pretty good"
      So far i don't have any kind of difficulties with them. I have never called to their customer since i don't need it. Cashless garages are available. Roadside assistance is not available. I used to make the premium of Rs less than 5000. It is a tax benefitable policy. I have never had a claim experience with united India car insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 03, 2018
    • United India Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From UNITED INDIA INSURANCE i have taken a health insurance and the premium is 13000 which i have for the vehicle.Its includes the complete package.I have no prior claim experience with them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 31, 2018
    • United India Car Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      With UNITED INDIA INSURANCE i have taken a car insurance for the used car. The premium is for 6000 annually.The policy comes with accidental coverage and third party coverage. I have to renew the policy every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 29, 2018
    • United India Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a car insurance with the United India Assurance. I don't' have any claim experience with this policy. I've been paying a premium of INR 23000 per year. Their services are good and I'll have to wait and see how they respond to my claim request in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • United India Car Insurance
      "Good policy with United India"
      0.5 3.0/5 "Satisfactory"
      From UNITED INDIA INSURANCE i have taken a car insurance and the premium is for 13000. The policy will have the coverage for theft and the damage to the car. They provide full coverage. Its a good policy with UNITED INDIA INSURANCE.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2018
    • United India Car Insurance
      "UNITED INDIA car insurance"
      0.5 3.0/5 "Satisfactory"
      From UNITED INDIA INSURANCE i have taken a car insurance were the premium of 6700 for an year.The policy benefits include accidental coverage and third party coverage as this an used car.I have no previous experience with UNITED INDIA INSURANCE.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2018
    • United India Car Insurance
      "Good Service, premium should be reduced"
      0.5 3.0/5 "Satisfactory"
      I've been using the United India Insurance for my car. I changed it recently because the premium was very high 40000/ per year. I claimed the insurance once, the whole process was easy but the insurance premium should be regulated with respect to the current value of the car.
      Was this review helpful? 0
      , chennai
      Reviewed on May 04, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with United India Insurance from last 6 months, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance policy. I pay a premium of Rs 14000 which has to be paid every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with United India Insurance from last 1 year, the premium of this insurance policy is Rs 3000 and the coverage value of this policy is Rs 1 lakh and they cover third party damages and i find this car insurance company is good when compared to other insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 09, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance with United India Insurance from last 5-6 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 6000-7000 for this insurance. I do not have claim experience so far with this insurance and they cover bumper to bumper damages.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 24, 2018
    • United India Car Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken the car Insurance service directly from the showroom when the time I purchased my car. The payments will be through cheques and the documents procedure was been smooth. But I am disappointed that there is no proper response and no proper intimations where provided. It was a average service from United India Car Insurance Service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2018
    • United India Car Insurance
      "Good policy for car"
      0.5 4.5/5 "Excellent!"
      I have taken a car insurance with UNITED INDIA INSURANCE . The premium amount is 15655. The benefits include road assistance, bumber to bumber, cashless garage.The customer service is good. I have to renew the policy every year with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2018
    • United India Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from UNITED INDIA INSURANCE. The premium amount is 8000 for 1 year. The do provide bumper to bumper benefits. And they also provide coverage for the 5 passengers. There is no claim experience with UNITED INDIA INSURANCE.
      Was this review helpful? 0
      , surat
      Reviewed on Mar 06, 2018
    • United India Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have insured my four wheeler with the United India Insurance company. I have not contacted them till now and I have no idea about it. I would like to say that the coverage value is good one with the United India Insurance company.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 03, 2018
    • United India Car Insurance
      "Good policy for car"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with UNITED INDIA INSURANCE. the premium amount is 11500. I have to renew the policy every year.The benefits comes as bumper to bumper road assistance and cashless garages.The customer service and response provided by them was superb.
      Was this review helpful? 0
      , hoshiarpur
      Reviewed on Mar 02, 2018
    • United India Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I am having a car insurance with United India Insurance from last 2 years and it is one of the good policy to use. I have to pay a premium of Rs 10000-12000 for this insurance policy. I do not have any claim experience so far with this insurance. I am happy with the coverage of this policy.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 02, 2018
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