United India Car insurance introduction
United India Insurance Company limited was found in 1938. It is the most preferred insurer in india with global footprint and recognition. It provides best customer service with its innovative technology and multiple channels. United India Insurance company provides different variety of insurance products to provide insurance cover from bullock carts to satellites.
United India Insurance provides you motor insurance which covers the loss caused to your motor vehicles like car, two-wheeler, commercial vehicle. Almost all united india insurance policy holders like car insurance. Vehicle owners and financiers will get the advantage of United India Insurance car insurance. It provides insurance up to 3 years for cars.
United India Car Insurance Review
United India Insurance Car Insurance Features, Benefits, Coverages and non coverages, add-on covers, claim procedure, premium calculator and contact details are available in this document.
United India Car Insurance Features and Benefits
- United India Insurance provides additional covers like NIL depreciation, personal effects with car insurance policy.
- It provides personal accidental coverage policy.
- It provides Third party liability coverage.
- It provides an accidental cover with a reasonable cost if your vehicle is disabled on the road due to accident.
- It provides a flat discount of 5% on claim free renewal of United India Insurance car insurance policy.
- It provides additional cover for the accessories installed in your vehicle like stereos.
- It covers the loss caused due to damage of tyres by paying an extra premium.
- It provides 50% discount on the own damage premium on the vehicles that are specially designed for mentally challenged and blind persons.
- It provides a discount of 331/1% on the tariff rates.
- In United India Insurance car insurance you have the facility to extend the geographical area by paying an additional premium of 500/- per vehicle.
United India Car Insurance Coverages
United India Car Insurance Provides two types of coverage facilities they are
- Package policy
- Liability only policy
Package policy:
This policy covers both own damage of the vehicle and third-party liability.
Under own damage of the vehicle this policy covers the loss caused to the vehicle due to
- Accident by external means.
- Burglary housebreaking or theft.
- Terrorist activity.
- Riot Strike and Malicious damage(intentional damage caused to your vehicle by external means).
- Damage caused due to earthquake, flood and cyclone.
- Damage caused due to landslide or work slide.
- Transit by rail, road, lift or inland waterways.
- This policy also covers the loss or damage to the accessories by burglary or housebreaking.
Under Third party liability coverage it provides
- Liability to third parties bodily injury or death.
- Covers loss caused due to third-party property damage.
- Personal accident cover for the driver or owner for a specified sum insured.
- Provides all costs and expenses incurred with the company’s written consent.
- Claimants cost as decided by the court.
Liability only policy:
- It provides only third-party liability coverage.
- It provides liability to third parties bodily injury or death.
- It covers the Loss or damage caused to the third-party property.
- Claimants cost as decided by the court.
- The insured legal liability for death or bodily injury of third-party.
- Provides all costs and expenses incurred with the company’s written consent.
United India Car Insurance Exclusions
- It does not cover contractual liability.
- It does not cover the loss caused due to war, civil war.
- It does not cover the consequential loss
- It does not cover the loss caused due to wear and tear, electrical or mechanical breakdown.
- It does not cover the damage caused due to driving the vehicle under the influence of alcohol or drugs.
- It does not cover the loss caused due to nuclear activities.
- It does not cover claims arising outside the geographical area specified in the policy.
- It does not cover claims arising due to usage of the vehicle other than its limitations.
- It does not cover claims arising when the vehicle is driven by a person without having a proper license.
United India Insurance Car Insurance Policy Status
You can find your policy status of United India Insurance Car Insurance policy by using this mail id customercare@uiic.co.in
United India Car Insurance Additional coverages
- It provides an additional discount of 25% on the vintage cars.
- It provides No Claim Bonus(NCB) facility up to 20% to 50% depending on the number of claim free years.
- It provides an additional discount of 5% on the own damage premium subject to 200/- if you are a member of automobile association.
- It provides an additional discount of 2.5% on own damage premium subject to 200/- on the ARAI approved anti theft devices installed in your vehicle.
- It provides 50% discount on the own damage premium on the vehicles that are specially designed for mentally challenged and blind persons.
- It provides additional discount of 331/1% on the tariff rates if you are using the vehicle with in the insured’s premises.
- You have the facility to extend the geographical area to include Bangladesh, Bhutan, Sri Lanka, Maldives, Nepal, Pakistan by paying an additional premium of 500/- per vehicle.
- It provides an additional personal accident cover for named and unnamed persons travelling on the vehicle.
- It provides an additional cover for electrical and electronic fittings by paying 2% additional premium.
- it provides an additional coverage for LPG/CNG bi-fuel kits by paying 4% extra premium.
- It provides an additional cover for Fiberglass fuel tanks by paying an additional premium of 50/-.
- In case of change of ownership you have the facility to transfer the insurance policy within 14 days from the date transfer of ownership.
- A vehicle can be substituted by another vehicle for the balance period of policy.
Rate of depreciation in United India Car Insurance
For all rubber / nylon / plastic parts, tyre and tubes batteries and air bags – 50%.
For fiberglass components – 30%.
For all parts made of glass – NIL.
Rate of depreciation for all other parts including wooden parts will be as per the following table:
| Age of Vehicle | Percentage of depreciation |
| Not exceeding 6 months | NIL |
| Between 6 months and 1 year | 5% |
| Between 1 and 2 years | 10% |
| Between 2 years and 3 years | 15% |
| Between 3 and 4 years | 25% |
| Between 4 years and 5 years | 35% |
| Between 5 years and 10 years | 40% |
| more than 10 years | 50% |
Sum Insured Declared value(IDV):
The IDV of the vehicle is fixed based on manufacturers listed selling price of the brand and model of the vehicle. It is calculated as manufacturers selling price minus depreciation.
Depreciation for fixing the IDV(Insured declared value) of the vehicle in United India Insurance Car Insurance
| Age of the Vehicle | % of depreciation for fixing IDV |
| Not exceeding 6 months | 5% |
| Between 6 months and 1 year | 10% |
| Between 1 year and 2 years | 15% |
| Between 2 years and 3 years | 30% |
| Between 3 years and 4 years | 40% |
| Between 4 years and 5 years | 50% |
United India Car Insurance Claim process
In case of an unfortunate loss caused to your vehicle you have to follow the below steps to register your claim
- Contact the United India policy issuing office which is nearer to you.
- The surveyor appointed by the company will survey the vehicle.
- In case of unfortunate accidents like fire/riot losses keep the vehicle at the accidental spot until the spot surveyor comes to the place of accidental to survey the vehicle.
- If there are any third-party death/ injury or third-party property damage, inform to the nearest police station about the accident.
- After completion of formalities you may move your vehicle to the authorised garage and obtain estimate from them and submit same to the company along with the duly filled claim form, then they will arrange for the final survey.
- It should be ensured that under no circumstances repair work is commenced until the surveyor verifies the damage and gives green signal to proceed with the repairs.
- After repairs are completed for partial loss you have to submit the final bills to the company.
United India Car Insurance Claim forms
- Duly filled claim form.
- Original FIR.
- Surveyor copy.
- Original estimate.
- Medical certificate(in case of third-party liability).
- Driving license.
united india car insurance claim form
United India Car Insurance Transfer
In United India Insurance you have the facility of transferring insurance policy within 14 days from the date of change of ownership in case of changing ownership from one person to another.
United India Car Insurance Policy Renewal
You can renew your insurance policy through online by using debit card / credit card.
United India Car Insurance Premium and Maturity calculator
By using United India Car Insurance Premium and Maturity calculator we can find the minimum premium that has to be paid to buy united India Insurance Car Insurance policy. By using this you can also compare your policy with other policies, and you can choose the policy that met your requirements. You have to give below information to calculate premium
Vehicle details
- Registration state of vehicle
- Type of vehicle
- Class of vehicles.
- Model.
- Manufacturer.
- Body type.
- registration location.
United India Insurance Customer Care Details
Call center number: 91-044-28520161
Email.id: customercare@uiic.co.in
Contact address:
United India Insurance Co.Ltd,
24, whites road,
Chennai-600014.
FAQ on United India Car Insurance
- What is No Claim Bonus?
Ans: It is an additional discount available on the premium, you will get up to 20% to 50% depending on the claim free years in united india insurance car insurance.
- What is IDV?
Ans: Insured declared value is the sum assured to the insured fixed by the insurer provided on theft or loss of vehicle. IDV is calculated on the basis of manufacturers listed selling price and rate of depreciation.
United India Insurance Additional Documents and Forms
united india car insurance proposal form for package policy
united india car insurance proposal form for liability only
united india car insurance package policy