United India Car Insurance

United India Car Insurance is a comprehensive car insurance plan introduced by United India Insurance Company. The United India Insurance Company is a nationalized general insurance company with over 2276 offices. The insurer has successfully catered to more than 1.74 crore policy holders. A few of the most prominent infrastructure plans covered by United India are ONGC Ltd , GMR- Hyderabad International Airport Ltd, Mumbai International Airport Ltd Tirumala-Tirupati Devasthanam. In terms of car insurance, the insurer provides a comprehensive car package policy and liability only policy. In addition, the company also covers rare and vintage cars manufactured prior to 31.12.40 and duly certified by the Vintage and Classic Cars Club of India.

This policy provides cover against:

• Provides cover against lightning strikes, fire or self-ignition.
• Theft, burglary, robbery or house breaking.
• Any form of Terrorist Activity.
• Malicious damage and riot strikes.
• Natural disasters such as flood, cyclone, inundation and earthquake.
• Work slide and landslide.
• In transit damage via road, air or railways.
• Cost of immediate reasonable.
• Workshop/Garage related expenses.
• Any expenses arise out of an accident and is covered on payment of additional premium.

Expenses for replacement of car parts subjected to deduction of zero depreciation:

• 1. Fiberglass Components - 30% of Depreciation.
• 2. For all glass parts - Nil
• 3. For rubber, nylon, plastic parts, tyres, tubes, batteries - 50% of Depreciation.

Personal Accident Cover for Owner/Driver

Under this feature, United India Car Insurance will provide complete cover to the owner/driver of the vehicle in case of death of bodily damage within 6 months of the accident. The compensation is listed below:

• 1. Death - 100%
• 2. Loss of both limbs/Eyes OR Loss of a single limp/Eye - 100%
• 3. Loss of one limp/sight of one eye - 50%
• 4. Permanent Total Disabilities - 100%

• Provides Third Party property damage Cover up to ₹7,00,000.
• Comes with a Personal Accidental Cover up to sum assured.
• Own damage Cover: 50% of cost incurred in replacement.

• All add-on features come at a cost of extra premium.
• Cover outside India at Rs. 500 per car. Countries included are Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka and Maldives.
• Personal Accidental Cover for members/unnamed employees and occupants of the vehicle during the time of the accident.
• Covers 4% on the cost of Imported or non-factory fitted electrical/electronic accessories.
• Covers 4% on cost of the CNG-LPG kit.
• Coves @ Rs.50 above own-damage premium for fuel tanks made out of fiberglass.

NCB or No Claim Bonus - If you don’t make a claim within a particular policy year or more, you will be entitled to NCB upon renewal. The percentage of bonus is with respect to own damage premium.

ARAI-approved anti-theft devices: 2.5% discount or Rs.200, whichever is less.

Associations and Memberships: 5% discount or Rs.200, whichever is less.

Usage of vehicle within the insured’s premises: 33% discount on tariff rates.

Vintage/Classic Cars: 25% discount for cars produced before 21.12.1940, recognized by the Vintage and Classic Cars Club of India.

Special Cars: 50% discount for use by the differently-abled.

• Private motors cars and commercial motor cars.
• Owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.

For the Package as well as Liability Only Plan:

• 1. Damages arising out of contractual liability.
• 2. Drunk Driving or Driving under the influence of alcohol.
• 3. Incidents of war.
• 4. General depreciation, wear and tear, mechanical and electrical breakdown.
• 5. Driving under the influence of drugs or other intoxicants.
• 6. Damage claims arising out of the covered geographical location.
• 7. Damages arising out of over limitations of car usage.
• 8. Accidents arising out of neglectful driving or driving without a valid license.

With respect to any issue, you can contact United India Car Insurance at the customer care toll free number at 1800 425 33333 throughout Mon-Fri. The number of the head office is 91-044-28520161 while the official grievance redressal email id is customercare@uiic.co.in.

As an alternative, you can also visit the official website of United India Insurance and enter your policy number and issuing city. Post submission, you will get your policy details and KYC. You can also check the closest branch to your locality from the website.

In case of an accident or loss, you can follow the mentioned steps in order to make a claim.

• First things first, you need to contact the branch where the policy was issued. If the accident occurred elsewhere, contact the nearest branch of United India Car Insurance. Post contact, the insurance company will seek a survey of you damaged vehicle.
• In case of major damage, you can let the car be stationery at the site of accident til the inspector comes for surveying.
• In case of injuries to any third party, inform the nearest police station or traffic police. You are also required to inform the insurer about the details of the attending doctor who has aided the injured party.
• Post reporting, you can take the car to any local garage to assess the damages and receive a quote for the same.
• It is mandatory to furnish the FIR, if lodged, when there is any injury to the third party. Once you submit the quote to the insurer with the claim form, the company will make a final inspection.
• Under such a circumstance, the repair work cannot be commenced without the approval of the surveyor.
• Post the final inspection, the repairs can begin. In case of partial-loss claims, you have t submit cash bills for reimbursement.

In case of Salvage: If your car has been declared in a salvage condition, you should preserve it till the entire claim settlement process is complete. Salvage is the damaged part of the property which the insurance company will take over in order to minimize loss post payment of claim value.

In case of theft: In case of complete theft of your vehicle, you need to lodge an FIR complaint and inform the police immediately along with the issuing branch. The FIR is mandatory as it is a legal requirement for claim submission as well as by the police authority.

• Claim Form
• Policy Document
• RC
• Driving License
• FIR (for accidents and theft)
• Accident Report
• Repair Estimates
• Third-Party Claim Form
• Medical Bills
• Photographs
• Witness Statements
• Medical Reports

United India Car Insurance also provides the feature of a car insurance premium calculator. This tool is completely free of cost and can be found on the official website of United India. In order to use the tool, you need to fill the following details as input into the tool:

• KYC details - name, age, driving history and profession.
• Car - make and model, year of registration and location of use.

Post filling out these details, you need to simply submit the details in order to calculate the premium amount.

Since the establishment of the General Insurance Business in 1972 in India, the United India Insurance Company has built an excellent reputation with over 18300 work force across 1340 offices which provide the best in call superior quality services across India. With a customer base of more than 1 crore policy holders, United India has been successful in providing insurance cover from cars, satellites to bullock carts.

The car insurance policy offered by United India Insurance Company is preferred by most of the people over other car insurance offered by different insurers. The Vintage cars discount, AAI membership discount, NCB and a discount wherein 50% of the discount on the own damage premium for the vehicle that is especially used for the blind and handicapped people are the discounts that are offered by this Company that make them even more accessible to the Indians.