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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?
  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.

 4.5 / 5.0   by 155 users
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Policy Coverage

Customer Service

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Cashless Garages

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United India Motor Insurance Reviews

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  • 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
    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
  • 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
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