- About Coverfox
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:
Expenses for replacement of car parts subjected to deduction of zero 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:
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.
For the Package as well as Liability Only Plan:
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 email@example.com.
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.
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.
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:
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.
United India Insurance provides car insurance of two types - Package Plan and Liability Only.
You can make the premium payment for your United India Car Insurance via cash/branch banking/net banking/credit or debit card/NEFT/RTGS or M-Power.
For policy cancellation before the expiry, you will have to physically visit any of the official branches of United India and fill up the surrender form. Post submission, the amount will be refunded to your bank account.
Yes, you can substitute your present vehicle with another vehicle provided the premium has to be adjusted accordingly on a pro rata basis from the date of substitution.
Yes, you can change the ownership. This transfer has to be conducted within 14 days from the date of transfer of ownership.