United India Car Insurance is a branch of motor insurance policy that offers plans tailored to protect the insured cars from unavoidable instances. The company has been catering to customers with different sets of plans and coverage for many years, preventing liabilities and covering different expenses. This article offers you a guide on United India Car Insurance, bringing its benefits, claim procedure and everything else you need to know to plate. Let’s start scrolling.
United India General Insurance > Highlights
| Network Garages | 3,100+ | Claim Settlement | 84.17% in FY19 |
| Third-Party Cover | Available | Policies issued (FY 19) | 1.75 Crore+ |
| Zero Depreciation | Available | Accreditation | AAA/Stable Rating by CRISIL |
Car Insurance by United India Motor Insurance services customers with multiple sets of car insurance plans that they can buy in order to protect their car against unforeseen events, damages as well as bodily injuries and third-party liabilities. The company also offers the third-party insurance that is mandatory in India for any private car to be insured with.
Purchasing insurance from United India Car Insurance does not bare-handed. There are multiple benefits of United India vehicle Insurance including cashless repair and multiple discounts that you can check out and consider before making the final call. Let us take a walk through the count.
Vintage Car Benefit
United India Car Insurance offers a discount of 25% on the own damage cover premium if the car is manufactured before 31 December 1940 and holds certification from Vintage and Classic Cars Club of India.
Cashless Repair
With 700 network garages across the Indian geography, the company offers its customers cashless repair benefits in which the damaged car will be taken to one of their network garages to be repaired, minimizing the hassle.
No Claim Bonus
If you are a policyholder who has never made any claim during the previous policy tenure then you become eligible to enjoy the no claim bonus from the insurer. If you are going to get your car insurance policy renewed within 90 days from the expiry date of last one then the insurer will treat you with no claim bonus which can go up to 50% maximum.
Anti-Theft Device Discount
If you have an anti-theft device approved and installed on your car then you get an entry to enjoy the anti-theft device discount of 2.5% (up to Rs 200 maximum). However, this benefit is only for own damage cover policyholders.
Additional Coverage
Planning to extend your scope of benefits on an insured car? If yes then the United Car Insurance has a choice for buying add-ons and enjoy perks that come with that. By paying a sum additional to your premium, you can buy additional coverage from the United India Car Insurance. Such add-ons include CNG/LPG fuel cover, electronic fitting cover, personal damage cover for an unnamed person and an extension of geographical area.
Automobile Association Discount
A discount of 5% (up to Rs 200 maximum) is offered on the own damage cover to the policyholders who have membership in the Automobile Association.
Add-on Covers by United India Car Insurance
Additional covers (the add-ons) offered by United India four wheeler Insurance are used to extend/enhance one’s scope of protecting the insured car in several ways. All you need to do is buy an additional amount on your premium to buy the extra coverage to safeguard your vehicle.
Medical Expenses
Return to Invest
Nil Depreciation
Engine protection
Courtesy Car
You can opt for an add-on you find useful and suitable to yourself. These add-ons prove to be a lot helpful at times and prevent problematic situations to an even bigger diameter.
| Two wheeler insurance | Life insurance | |
The United India Car Insurance Claim Process comes with essential aspects that you must understand before taking the operations ahead. You can either go for a cashless claim in which the insurer looks after the repair, medical or any damage expenses or you can go for reimbursements in which you can show the insurer the bills and receipts and claim the amount that is supposed to be covered by the company.
Here is your answer.
How to Make United India Car Insurance Cashless Claim
If you find cashless claim for United India Car Insurance suitable, then here are the steps that you need to follow:
Contact Your Insurance and Confirm
This is something that you are ought to do right away. Slowing down to contact and inform your insurer about the event and asking for a claim can lead to the lapse of your policy. Therefore, you should inform the company about the accident and seek a cashless claim to fix the damage. You can do that in following ways:
Call your insurer
Write an email to them
Visit the company office
Once you have informed them about the whole situation, you will receive a registration number as confirmation from your insurer which will be used for references in future.
Take Your Car for Repair
Once registered, your car will be taken for inspection and repair. Since it is a cashless claim, you can count on your insurer to take it to their network garage or suggest one to you to further the procedure.
Get Through the Documentation
For a successful claim, you need to make sure you submit all the documents that are required by the company.
Cashless Settlement
After all the inspection and documentation are done being performed, finally there comes the time for cashless settlement (subtracting your liability) which will be made directly to the garage.
That is how you walk the procedure for United India Car Insurance cashless claim. If you want to dig more into the claim procedure and check out another way to make a claim then you can view the Reimbursement process below.
Getting reimbursed is another way to settle the car insurance claim. If you are wondering what procedure you have to amap in order to reach there then here are the steps that you need to ensure:
Lodge an FIR
Visiting the nearest police station and lodging an FIR is the topmost action you need to make after the accident. Make sure you mention the correct information there. The FIR will be referred for further inspection in future and is one of the important documents to be submitted to the company.
Inform Your Insurer
You should contact and inform your insurer about the incident which took place and move ahead to file the reimbursement claim. Avoid taking a long time to contact them in order to prevent complications in the procedure.
Documentation
It is an important step that you need to take to successfully file your claim. Be present with all the necessary documents including the FIR.
Let the Inspection be Run
After the registration of your claim, you will be assigned a surveyor by your insurer. This surveyor will monitor your vehicle and the entire situation in order to lead confirmation.
Get Reimbursements
You need to take your vehicle for repair and pay the expenses yourself. Then you can present all the receipts and bills to your insurer based on which they will reimburse the amount (subtracting your liability).
Final Word
Be truthful in the information you intimate with your insurer or it may result in the rejection of your claim. Providing correct information to the police and the company saves your head and time from multiple spins and tangles. That was it from the section on United India Car Insurance, spilling everything that you need to know. Feel free to let us know if the section was helpful to you and don’t forget to share your experience with us in the comment section.
Frequently Asked Questions (FAQ's)
Yes. If you are planning to buy car insurance from United India Car Insurance, there are certain discounts that you can enjoy.
Here are the discounts offered by United India Car Insurance:
No Claim Bonus
Vintage Car Discount
Automobile Association Membership Discount
Discount for Specially Designed/Modified Cars
Anti-theft Device Discount
United India Car Insurance offers policyholders the discount of up to 50% if they have made no claim during previous policy tenure. However, this discount is not to be transferred if the policyholder buys a new car.
The add-on covers can be purchased in order to enjoy additional benefits. Here are the additional covers that you can buy in addition to your plan as per requirement and preference:
CNG/LPG bi-fuel kit
Electric Fixes
Personal Damage Cover
Geographical Extension
Know More About
You're eligible for a United Car Insurance if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Car Insurance is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account