An Overview
As food, shelter clothing are basic necessities for a person to survive , similarly car insurance is a basic necessity for every Indian who drives a car. The United India Car Insurance is one of the best car insurance companies, giving you a helping hand whenever your car meets an accident or gets damaged. It offers third party liability car insurance policy plans.
United India Car Insurance is a form of vehicle insurance policy that protects a private car from any unanticipated loss or damage. United India Insurance Co. Ltd., founded in 1938 and nationalized in 1972, is one of India’s oldest insurance companies. It has a broad reach, with 1,340 offices serving clients in urban, suburban, and rural areas.
The company also has one of the most diverse product portfolios, with solutions that cover assets ranging from livestock to satellites. Customers can obtain the following types of insurance: Fire, Health, Motor, Marine, Industrial, Liability, Credit, and Microinsurance. United India Insurance Co. Ltd.’s motor insurance segment. For numerous years, the organization has offered automobile insurance policies that protect private cars from unforeseeable losses, damages, or liabilities.
List of Best Car Insurance Products from United India Car Insurance
Own-Damage Car Insurance
While many providers limit the breadth of coverage, United India protects the owner-driver in a wide range of situations that endanger his or her life or property. Policyholders have the right to file claims for losses suffered as a result of:
- Independent variables, whether they be planned or unintentional.
- Larceny includes the theft of or damage to accessories.
- Fire, natural calamities such as earthquakes, rivers, and other environmental catastrophes
- Mistakes in transportation (whether through road, rail, waterways etc.)
- Terrorism and political chaos.
- If the car needs to be repaired as a result of the collision, coverage (at marginally higher prices and then within prescribed limit) goes to:
- Transferring the vehicle to a nearby service center.
- Fixes had to be completed right away.
Third-Party Legal Responsibility
As decided by the court to pay the third person or party:
- Mortality.
- Injuries/disabilities to the body.
- Devastation of assets.
Personal Accident Cover For Owner-driver
The remuneration due is determined on the sort of loss:
100% in the case of injury, the amputation of two limbs, the loss of eyesight in both eyes, the amputation of one limb and vision in one eye, and Permanent Total Dismemberment (PTL).
If you lose only one leg or one eye, you’ll get 50% of your money back.
Key features and benefits of United India Car Insurance
It consists of a number of benefits which helps you in the hour of need, they are:-
All claim settlements are simple to understand:– This company consistently ranks first in claim settlement rankings. This is due to the simple method that takes very little time.
Excellent openness: This company ensures complete disclosure of all policy terms and conditions.
All-day assistance: Depending on your preferences, you can set your consulting hours from 24 hours to 24 hours. This organisation will be available to assist you 24 hours a day, 7 days a week.
United India Car Insurance Add-on Covers
You can add more effective coverage that will increase your basic protection by paying an additional fee. The following is a list of the same:-
Change of vehicles: Your automobile can be replaced with any other car (of the same class) under the same conditions, however the premium will be adjusted. When your car is in the garage for repairs due to an accident or any other reason, you can do this.
Electrical/Electronic Fittings: Some parts, such as electrical/electronic fittings, may be excluded from the basic plan’s coverage. You can, however, get them covered by paying an extra 4% premium on the value of the fittings.
Renewal
With United India insurance, you can renew insurance coverage from different companies.
Today’s market is flooded with general insurance. United India General Insurance Company, on the other hand, triumphs over the competition for the reasons listed below. Let’s have a look at what they’ve got to offer:
United India Insurance provides a variety of insurance coverages, including shopkeeper’s insurance and householders insurance, which are rarely offered by other insurers like New India Assurance Company and TATA AIG General Insurance Company.
United India Insurance sets itself distinct from other insurance firms in the industry with its credit insurance programs.
Customer Care
United India Insurance’s headquarters phone number is 91-044-28520161. By calling this number or sending an email to [email protected], you can contact the insurer. Alternatively, you can phone the customer service staff at 1800 425 33333, which is a toll-free number. During the week, the team will be available to help you from 10 a.m. to 5.45 p.m.
You must go to the proper page on the insurance company’s website and enter your policy number or issuing city in order to file a complaint. The contact person’s name, address, phone number, and email address are then displayed.
What Other Savings Are Available?
- The proposer is eligible for the following discounts in addition to no-claim bonuses:
- Anti-theft devices approved by the ARAI are installed at a rate of 2.5 percent or Rs.200, whichever is lower.
- Membership in recognised automobile associations is available at a discount of 5% or Rs.200, whichever is lower.
- Vehicles for the differently abled: 50% of the time.
- Cars made before December 21, 1940, as recognised by the Vintage and Classic Cars Club of India, are eligible for a 25% discount.
- Use on the insured’s premises: @ 33% on tariff rates.
Apart from the obvious advantages of this motor package coverage, the company also provides a quick and simple way to process claims by having repairs done at any of its numerous linked garages that are part of its cashless servicing network.
Procedure for Filing a Car Insurance Claim in India
If the insured car suffers a loss as specified in the policy documents, the policyholder shall file a claim as follows:
Unexpected Losing: Contact the branch office of the insurance provider where the policy was issued for assistance. If the accident happened anywhere other than the city/town where the insurance was issued, you can contact the insurer’s nearest office. The insurance company will schedule a car inspection.
Keep the engine at the accident scene until it is assessed by a health insurer investigator if the loss was severe or includes riot damages.
After you’ve completed these steps, you can have the car towed to any authorised mechanic for a repair estimate.
Then, together with the amended United India car insurance claim form, submit the quote to the insurer. After that, the insurance firm will conduct the final survey. It is required to provide the complaint that was filed with the local police station, as well as the original FIR, during this survey. It should be emphasised that when a third person is injured, the FIR is required.
You should be aware that car repairs should only begin when you have received permission first from the final surveyor.
Deficits due to theft:
If your vehicle is taken, you must immediately notify the police and the insurer’s policy issuing branch. Delays in filing the FIR and notifying the insurance company about the incident could result in the claim being denied. It’s worth noting that submitting a FIR is not only required by the insurer, but also by law. To begin the claim settlement procedure, you should also send the amended United India car insurance claim form to the insurer.
It’s also a good idea not to include any unauthorised individuals in the claim process. The insurance company should be contacted directly or through the insurer’s authorised representatives.
Renewal of United India Automobile Insurance
On the insurer’s website, you can renew your United India vehicle insurance. This service allows you to renew your coverage quickly and easily without having to deal with a lot of paperwork.
To renew your United India auto insurance online, navigate to the ‘Quick Renewal’ menu option on the insurer’s website.
Provide your auto insurance policy number and click ‘Fetch Data’ on the web form that opens.
Details of the current policy will be sent to you. You’ll be asked to enter certain mandatory details for the renewal quote when the information has been confirmed. This includes information such as your age, job, driving history, and other personal information.
The car’s specifications, such as its engine displacement, make and model, registration year, usage location, and so on.
You will receive an auto insurance quote once you input this information. You can forward with the processing of transactions if you accept the quote.
Payments can be made quickly and easily using credit/debit cards or net banking.
If your vehicle’s insurance coverage is complete, your insurance company may not require a car survey. As a result, when done online, the renewal process is simple and quick.
Otherwise, you can go to the insurance company’s business unit and demand a policy renewal.
Calculator for Car Insurance in United India
You can purchase a United India vehicle insurance coverage directly from the insurer or through a third-party financial website. If you want to get motor insurance through a nonpartisan website such as BankBazaar, you can use the United India vehicle insurance estimate at no additional cost.
This application allows you to calculate the cost of your insurance premium. You must provide the following details to the tool as input:
Your private details, such as age, vehicle experience, occupation, and so on.
Details about your vehicle, such as its specific model, registration year, and user location.
Depending on the info you have supplied, the United India auto insurance calculator tool will provide you with a rate quote. You can proceed to purchase the coverage if you agree with the quote.
You can also use neutral financial websites to compare insurance policies from several providers and choose the best policy for your needs. Furthermore, purchasing insurance can be done using an user experience that streamlines the procedure.
Exclusions
- There will be no payment for loss or damages happened to the insured car by act of war or war like conditions.
- There is no return for insurers who don’t have a legal driving license. The company will not cover any kind of liabilities or damages suffered by the insured car if he is found driving without license.
- The United India Car Insurance will not be payable for damages that occurred due to electrical or mechanical breakdown.
- Payment for nuclear attacks or leakage is excluded.
What Is The Guaranteed Sum?
The IDV of the car refers to the sum assured/insured.
IDV stands for Insured Declared Value and is derived by subtracting the depreciation from the manufacturer’s selling price of the automobile (of the same type, make, model, and specifications) (applicable as per the below-mentioned table). The IDV, also known as the market value, decreases with each passing year as depreciation rises as the vehicle ages.
(depreciation is calculated based on the age of the vehicle)
- 5% – for up to 6 months
- 15% – between six months and one year
- 20% – between one and two years
- 30% – between two and three years
- 40% – between the ages of 3 and 4 years
- 50% – between the ages of 4 and 5.
Above 5 years, as determined by the provider and the customer (and models no longer manufactured).
Total Loss (TL) or Constructive Total Loss (CTL) is calculated using the aforementioned schedule (CTL). When the overall cost of damages exceeds 75% of the IDV, CTL is considered.
The coverage for third-party liability is determined by the Motor Vehicles Act of 1988.
Process for Resolving Insurance Complaints in India
If you have a complaint or issue about the service’s performance of the insurance company, you can go to the insurer’s branch and file a complaint. You can also send an email to the policy issuing office, a regional branch office, or the insurer’s headquarters.
If you are unhappy with the company’s response, you can always take your complaint to the Honourable Ombudsman for resolution. Details about the coverage are accessible at the insurer’s policy producing office and on the company’s website.
Documents that should be kept in hand for the policy:-
- A copy of the insurance policy
- The insured vehicle’s registration number.
- All of the self-identity proofs that are currently accessible.
- Copy of the police report for the incident for which the claim is being made.
- Officers of United Car Insurance can be reached at the following phone numbers.
FAQs- United India Car Insurance
What are the many policies that customers can choose from?
Ans – United India offers both comprehensive and liability-only vehicle insurance packages.
Ans -Burglary/housebreaking/theft damage/loss of accessories is covered by United India CarInsurance.
1. Vintage automobiles are available at a 25% discount.
2. Depending on the number of claim-free years, the no-claim incentive ranges from 20% to 50%
3. Members of the Automobile Association receive a 5% discount on their personal damage premium.
4. Vehicles equipped with anti-theft equipment are eligible for a 2.5 percent discount.
5. Vehicles developed expressly for the blind, handicapped, or mentally impaired can receive a 50% discount on one’s other’s injury charge.
Is it possible to use my current vehicle as a replacement under the current policy?
Ans – A vehicle can be switched for another vehicle during the policy’s balance period, subject to any premium adjustments made on a pro rata basis from the month of changeover.
Is it possible to transfer ownership of an existing policy?
Ans – Yes. In the event of a change of ownership, the insurance policy must be transferred within 14 days of the change of ownership.