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United India Insurance Company Limited was established in 1938 and became a major public sector insurer after the merger of multiple Indian and foreign insurance entities during nationalisation in 1972. With over 86 years of experience and several industry recognitions, it has built a strong reputation for reliability and service. Today, it serves more than 1.4+ crore trusted customers across India through an extensive network of offices. Car insurance remains one of its key and most widely chosen products.
United India Car Insurance is one of the company’s flagship products, offering comprehensive coverage for accidents, theft, natural calamities, and third-party liabilities. It stands out for its wide cashless garage network and affordable premiums backed by government ownership. With trusted claim support and flexible add-ons, it remains a preferred choice for Indian car owners.
United India Car Insurance offers a range of features and benefits, including comprehensive coverage, add-ons, and rewards to protect your vehicle and reduce premiums.
| Feature / Characteristic | Details |
|---|---|
| Cashless Garage Network | 3,100+ authorised cashless garages across India for easy repairs and claims. |
| Unlimited Zero Depreciation Claims | Offers unlimited zero depreciation benefit (no limit on the number of claims). |
| Unlimited Normal Claims | Own-damage and third-party claims can be made as per policy terms without restrictive caps. |
| Courtesy Car Add-on | Courtesy car cover reimburses rental costs if your car is under repair (e.g., up to ₹1,000/day for 3–7 days). |
| Other Add-ons Available | Includes other optional covers like Engine & Gearbox Cover, Return to Invoice, Electronic Fittings Cover, Bi-fuel/CNG Kit Cover, Medical Expenses Cover, etc. |
| No Claim Bonus (NCB) | Reward on renewal for every claim-free year, reducing future premiums. |
| Personal Accident Cover | Covers accidental death/disability for owner-driver (and can be extended). |
| Discount Benefits | Discounts available for anti-theft devices, handicapped/modified cars, Automobile Association membership, etc. |
United India General offers multiple car insurance policy types designed to provide flexible coverage options based on your vehicle’s protection needs and legal requirements.
Provides complete protection with both third-party liability cover and own-damage cover for your car.
Covers legal liabilities arising from injury, death, or property damage to third parties, as mandated by law.
Covers damages to your own vehicle due to accidents, theft, fire, or natural calamities, without third-party cover.
Offers 1-year own-damage cover along with 3-year third-party liability cover for new cars, ensuring long-term protection.
United India Car Insurance offers a range of add-ons to enhance your policy coverage, providing extra financial protection and peace of mind on the road.
Covers full value of parts without deducting depreciation during a claim.
Pays the invoice value of your car (including registration and road tax) in case of total loss or theft.
Protects engine and gearbox against water ingression and oil leakage damage.
Reimburses rental car expenses (e.g., up to ₹1,000/day) when your car is in repair or stolen.
Covers medical costs for occupants injured in a road accident.
Covers electrical and electronic accessories not originally part of the car.
Covers CNG/LPG kit damage or repair.
Insures the fibre glass fuel tank of the car.
United India Car Insurance covers a wide range of risks, including accidental damage, theft, natural calamities, and third-party liabilities for comprehensive protection.
Damage to your insured car due to accidents, collisions, fire, self-ignition and explosions.
Loss due to theft or burglary of the insured vehicle.
Damage from natural calamities such as flood, earthquake, cyclone, landslide, etc.
Third-party liability for death, bodily injury, or property damage caused by your car.
Personal accident cover for owner-driver up to the policy limits.
Coverage includes damages arising out of man-made incidents like riots, strikes and terrorist acts.
United India Car Insurance excludes certain situations and damages, so it’s important to understand what is not covered under the policy before purchasing or renewing.
You can buy United India Car Insurance from Coverfox by following these quick steps:
Visit Coverfox’s Car Insurance page: Go to coverfox.com and enter your car registration number or vehicle details.
Compare plans: View quotes from multiple insurers and select United India Car Insurance based on coverage and premium.
Customise your policy: Choose the policy type and add relevant add-ons like Nil Depreciation or Engine Protect.
Enter personal details: Fill in proposer and vehicle information accurately.
Make payment online: Pay securely via UPI, debit card, credit card, or net banking.
Receive your policy instantly: The United India car insurance policy document will be sent to your registered email ID.
United India has a network of 3100+ cashless garages across Pan India. You can find these cashless garages at https://uiic.co.in/web/garage-details. The facility of cashless claims and courtesy car add-on can be availed in these network garages.
Toll-Free Number: 1800-425-33333
Email ID: customercare@uiic.co.in
Head Office Contact: +91-044-28575200
Official Website: www.uiic.co.in
United India Car Insurance provides financial protection against accidents, theft, natural calamities, and third-party liabilities.
It offers Comprehensive Car Insurance, Third-Party Liability Insurance, Standalone Own Damage Cover, and Bundled (1+3 years) policies.
You need to inform the insurer, register the claim, get the vehicle inspected, repair it at a network garage, and submit documents for settlement.
Yes, it offers bundled and comprehensive policies specially designed for new cars.
NCB is a discount on renewal premium given for every claim-free year.
No, the policy cannot be transferred to another vehicle, but it can be transferred to a new owner if the car is sold.
Yes, theft is covered under comprehensive and own-damage policies.
Claim settlement usually takes a few working days after document submission and verification.
Yes, discounts are available for vehicles fitted with ARAI-approved anti-theft devices.
It offers wide coverage, multiple add-ons, affordable premiums, and a strong service network.
You can renew online through the official website or insurance platforms like Coverfox by entering your policy and vehicle details.
Policy status can be checked on the official website using your policy number or registered mobile number.
You can download your policy from the official website by logging in with your policy and personal details.
