United India Motor Insurance

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 . 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?

    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
  2. I have bought a used vehicle. How long do I have to transfer the existing insurance policy in my name?

    Once you have transferred the vehicle ownership in your name, you should transfer the insurance policy within 14 days.

  3. What is No Claim Bonus? How much of this discount can I earn?

    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%
  4. What are endorsements?

    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
  5. What are deductibles?

    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.

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United India Motor Insurance Reviews

Page 1 of 9 1 2 3 4 5
  • United India Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a car insurance from United India. The agent who work with us as a colleague provided me this policy. The premium amount is coming around Rs. 16000. They are giving a coverage amount of Rs. 12 lakh. This is a first party comprehensive plan. I'm getting a no claim bonus and road side assistance as well.
    Was this review helpful? 1
    , mangalore
    Reviewed on Mar 01, 2020
  • United India
    United India Car Insurance
    "Secure and fast claim"
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased from United India and i have been renewing the policy with the same company for last 5 years. My claim experience is very fast and there is no struggle in getting the claim. The person will come to the spot by the next day once we applied the claim. I got the claim upto 90%. I have been receiving the no claim bonus also.
    Was this review helpful? 1
    , kochi
    Reviewed on Jan 22, 2020
  • United India Car Insurance
    "Service is good"
    0.5 4.0/5 "Great!"
    Took my car insurance from United India based on the agent suggestion. I pay the premium amount of Rs. 3600 its because of the no claim bonus and some extra discounts. I have not applied any claim till now. From 7 years, i have been renewing the policy with the same company. They will give reminder call and I'm getting SMS from United India before the policy expiry.
    Was this review helpful? 1
    , jaipur
    Reviewed on Jan 16, 2020
  • 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? 2
    , manjeri
    Reviewed on Nov 05, 2019
  • 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
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