United India Car Insurance FAQs

You need to visit the nearest office of the company in order to get the details of your policy

There are 3 modes of payment offered by the company:

• Cash payment at the nearest branch
• Online payment (debit/credit card and Net Banking)
• Mobile- MPower

If you have purchased the policy online, then you can renew it 45 days before the expiry date. It is always advisable to renew your insurance before your policy expiry as otherwise your vehicle would be inspected

• Enter your Policy number and Expiry Date to login into e-portal
• Choose the payment option - Debit/Credit Card or Net Banking to pay
• Print/Save the receipt of the premium deposit

For cancelling any policy, you need an alternate policy for the same vehicle. Please visit United’s branches to inquire further regarding policy cancellation

A policyholder is entitled to a NO Claim Bonus (NCB) if he/she hasn’t filed a claim during the policy tenure

The bonus is granted as per the following:

• Preceding year:20%
• Preceding two consecutive years: 25%
• Three years:35%
• Four years:45%
• Five years:50%

In any case of an accident, it is very important to cover the third-party (or victim). However, teaming it up with comprehensive insurance would just make the premium amount go higher, thereby discouraging most applicants. Hence, third-party insurance is always a standalone option to abide by the law.

Basic third-party insurance from United India even covers driver/owner in an event of an accident. Hence, if there is an accident where the third party and the insured party have sustained injuries, the insurance would cover for both.

To know the premium of UIIC motor insurance policy, visit our website www.insurancedekho.com and enter the required details to get quotes.

The first thing that needs to be done is to inform the local police and lodge an FIR. The copy of FIR is very important for the claim process. Following this, if the victim needs medical attention, get to a hospital and inform the nearest UIIC insurance office.

No. The third-party insurance will not cover for damaged car or motorcycle, be it minor or major. Since it covers basics as per law, covering for everything is not be feasible.

Yes, the Comprehensive insurance from UIIC covers for any damages sustained on the vehicle. The damaged car will be towed to a garage for a quote on expenses to get it repaired.

A comprehensive insurance covers for occupants in the vehicle too. In case there is an unnamed occupant who has sustained an injury in an accident, the insured can apply for his/her claim too.

Yes, this is possible. However, the transfer of insurance needs to be done within 14 days from the actual date of transfer of ownership. Failing to do so, the transfer will not be possible.

The insurance holder can substitute an insured car with another car. But the substitution of car may lead to changes in the premium amount since the insurance on two cars will not be the same. Following the change in the premium amount, the present model and make will be substituted.

In case you have sustained a heavy injury like loss of both limbs, you will be entitled to 100% cover. However, in case of loss of one limb from an accident, there would be 50% cover of the amount.

No. Zero Depreciation add-on cannot be availed along with insurance when the car is more than 5 years old, irrespective of its condition.

Nothing can be said about the amount of premium for adding Zero Depreciation until it is calculated by official means. But in general cases, budget-friendly cars will attract lower amount while expenses cars attract higher rates.

It depends on the condition of any concerned vehicle following an accident and also on the company’s final decision. In most cases, if condition demands a replacement, it will be reimbursed, otherwise, repair costs will be provided, of course, without deducting the depreciation.

Not the same as the cost of a new car, but if everything goes well and the company is satisfied, claim amount will be sanctioned without subtraction of any depreciation.

Zero Depreciation is a no-nonsense kind of add-on for any existing insurance scheme. A new car is always prone to risks, especially if it is a new first-time buyer or new driver. Under such circumstances, the feasibility of Zero Depreciation add-on is more lucrative to the insured rather than the insurer.

United India Insurance Company covers a lot of damage on vehicles with its third-party, comprehensive and Zero Depreciation insurance plans. It covers any loss arising out of theft and accident.

If the accident and damage has happened due to other drivers on the road, a comprehensive insurance policy will cover it. However, everything about that particular incident needs to be mentioned while filing a claim.

After informing UIIC management about the accident, you can take the vehicle for repair as directed by the surveyor. You might need to pay the entire cost initially, this cost is later reimbursed by United India as per the claim guidelines.

Yes, getting the vehicle inspected by a company-employed surveyor is mandatory. Failure to do so will lead to rejection of claim at the time of documentation and filing.

Yes, filing an FIR with any nearest police station is an absolutely must as it will be needed throughout the claim process, especially during documentation post-survey.throughout the claim process, especially during documentation post-survey.

The ‘Quick Renew’ feature offered by United India is only available for car insurance policies, whereas the ‘Renew’ feature is a standard renewal option that is applicable to all general insurance products. Both the methods are entirely hassle-free while the Quick Renew option requires much fewer details which saves time as well.

The car insurance renewal fee is based on the type of car insurance policy purchased, add-on covers and deductibles opted either it is compulsory or voluntary. The entire renewal fee will be displayed while renewing the car insurance policy.

In situations like a failed policy renewal process or no policy renewal confirmation received even after the fee is deducted, you should get in touch with the United India Insurance’s customer care service at 1800-425-333-33 and check the renewal status of your car insurance policy. You can also drop an email stating your query at customercare@uiic.co.in.

To verify the payment status, you should visit the United India homepage and scroll down to the ‘e-Services’ menu. Click on the ‘Verify Payment Status’ tab, enter the transaction ID, current policy number or the previous policy number and click on ‘Search’. All the details related to your policy including the payment process will be displayed on the next page.

You should renew your car insurance policy before its expiry date to continue to enjoy its benefits. However, in case you have missed the car insurance policy renewal deadline, you can still get it renewed within 90 days of the expiry date after getting your car inspected. This 90 days period is known as the grace period. However, if you fail to renew your car insurance plan even in the grace period, then you can not renew it later and it will get lapsed and you will have to purchase a new insurance policy for your car.

Visit the United India Insurance official website, log in to your account, navigate to your policy, and select the option to download your policy document, usually available in PDF format.

Yes, usually you need to create an account and log in to access and download your policy documents.

If you've lost your policy number, you can contact United India Insurance's customer support for assistance. They may retrieve your policy using other details like your registered mobile number or vehicle registration number.

Yes, online policy documents are legally valid. The digital copy of your insurance policy is as valid as a physical copy.

Yes, you can usually download your policy immediately after the purchase and processing are complete.

If you face any issues downloading your policy, you can contact United India Insurance's customer support for guidance and assistance.

Yes, you can download a duplicate copy of your policy from the United India Insurance website if the original is lost.

No, there is no fee for downloading your car insurance policy online from United India Insurance's website.

For certain updates, you may be able to make changes online. However, for significant changes, it's advisable to contact customer support.

The policy document available in your online account will always be the most current version. Ensure you're downloading the document after any recent updates or renewals.