• United India Motor Insurance

     4.5 / 5.0   by 117 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 6 1 2 3 4 5
    • 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
    • United India Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken Car Insurance with United India Insurance,the premium amount is 5000 per year.The policy coverage is 1.06 lakhs.I have claim experience with them once they had covered completely but its very lengthy process,The insurance was taken last four years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 27, 2018
    • United India Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I am having the car, which got insured with the United India Insurance company. I have done it through online and the coverage value is fine one with the United India Insurance company. I am really happy with the United India Insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • United India Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I took my car insurance from United India Insurance by last year. It was good experience and suggested by the dealer. Once I go for claim only can come to know about the service. They are giving bumper to bumper offer. I paid 8K to purchase this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • United India Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken Car Insurance with United India Insurance,the premium is 13,000.This was taekn one year ago.I pay my premium online at times by cheque.I get a policy coverage amount of 80% for metal and for plastic its 100%,they are every quick in processing the request.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 14, 2018
    • United India Car Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I have taken Car insurance with United India Insurance,i have taken this policy of last ten years,i pay premium amount of 4500 in a year,i pay by cheque.The policy coverage amount is 1.20 lakhs.I have claim experience with them once they had covered 80% of the value.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 10, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car Insurance with United India Insurance,the premium amount is nominal have taken a Car Insurance with United India Insurance,they have got a nominal premium amount. They give a good policy coverage amount, good policy of bumper to bumper insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 01, 2018
    • United India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a Car Insurance with United India Insurance,the premium amount is nominal have taken a Car Insurance with United India Insurance,they have got a nominal premium amount is rs.14,000 paid per annum. They give a good policy coverage amount, good policy of bumper to bumper insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 27, 2018
    • United India Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a Car Insurance with United India Insurance,they have got a nominal premium amount is 21,000 paid per annum,the payment is done directly by cash.They give a good policy coverage amount.I have no claim experience with them.I closed the policy and taken from a different source.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 23, 2018
    • United India Car Insurance
      "Best product for four wheeler insurance "
      0.5 5.0/5 "Blown Away!"
      For my car, I have got the United India Insurance policy from the day one onward. Total policy value for my car was not aware by my end. Third party coverage is applicable with them and I got the claim reimbursement as 1.5 lakh Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • United India Car Insurance
      "Unhappy"
      0.5 1.0/5 "Really Bad"
      Earlier I had my car insurance with United Insurance for more than 8 years. One year back I met an accident and applied for claim which was not good. The insurance was taken through agent. The policy coverage was not satisfied. I paid 11,000 annually to get this insurance. The cashless garages is not good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • United India Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a car insurance with United India Assurance .The premium amount is Rs 15-20 thousand is paid by cash.The customer responded on time without much delay.Net banking service is good and convenient to use.I get a policy coverage of five lakhs.I have no claim experience with them till date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 06, 2018
    • United India Car Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Car Insurance with United India Insurance.The premium is paid by cash for an amount of 8400,i get a policy coverage of two lakhs.I have no claim experience till now.I am holding the policy for last eight years.I feel its the best insurance company.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 27, 2017
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