Introduction: Trust Your Car with a Name India Trusts
When it comes to car insurance in India, United India Insurance Company is one of the most trusted names.
With government backing, a strong claim settlement track record, and widespread network access, United India stands tall among both private and public insurers.
Whether you’re looking for affordable coverage or a hassle-free claim process, this insurer offers it all under one roof.
In this detailed guide, we cover everything you need to know: from claim settlement ratios to renewal steps, customer service, and user reviews.
What Is United India Car Insurance?
United India Car Insurance is a motor insurance product offered by United India Insurance Company Limited, a government-owned insurer.
The policy is designed to protect you from financial losses due to accidents, theft, natural disasters, or third-party liabilities.
Key Features:
- Comprehensive and third-party coverage options
- Add-ons like zero depreciation, roadside assistance, and engine protection
- Digital policy issuance
- Cashless network garages across India
United India Car Insurance Coverage Explained
Here’s what your car insurance from United India typically covers:
✅ Own Damage:
Protection against damages due to accidents, fire, theft, natural calamities, etc.
✅ Third-Party Liability:
Legal protection against damages caused to third parties – both life and property.
✅ Personal Accident Cover:
Coverage up to ₹15 lakh for the owner-driver in case of accidental death or disability.
✅ Add-ons:
- Zero Depreciation
- Roadside Assistance
- Engine & Gearbox Protection
- NCB (No Claim Bonus) Protection
United India Car Insurance Claim Process (Step-by-Step)
Filing a claim is simple if you follow the correct procedure:
1. Inform the Insurer Immediately
Call their 24×7 helpline or log in to their website to register the claim.
2. Get the Vehicle Surveyed
A surveyor will inspect the damage before repair work starts.
3. Submit Documents
FIR (if applicable), claim form, policy copy, driving license, RC book, repair estimates, and photos.
4. Claim Approval
The company verifies and processes the claim.
5. Settlement
Either cashless repair at network garages or reimbursement upon submission of bills.
📌 Tip: Always read policy wording carefully to avoid claim rejection.
United India Car Insurance Claim Status: How to Check
You can check your claim status in two ways:
✅ Online Method:
Visit the official website uiic.co.in → Claim section → Track Claim Status → Enter claim reference number and policy number.
✅ Offline Method:
Call customer care or visit the nearest branch with claim details.
Claim Settlement Ratio: How Reliable Is United India?
As per the IRDAI Annual Report, United India had a strong motor insurance claim settlement ratio of 91.8% in recent years.
While private players often market better service, United India’s government reliability and legacy make it a solid choice.
✅ A claim settlement ratio above 90% indicates high reliability.
United India Car Insurance Renewal: Easy & Quick
Renewing your policy is fast and can be done in minutes.
Steps to Renew Online:
- Visit uiic.co.in
- Go to “Renew Policy” under Motor Insurance
- Enter existing policy number and car details
- Review policy and premium
- Pay online and download e-policy
You can also opt for renewal reminders and NCB transfer while switching.
United India Car Insurance Customer Care Number
Facing an issue? Here’s how to reach them:
- Toll-Free Number: 1800-425-33333
- Email: customercare@uiic.co.in
- Website Helpdesk: www.uiic.co.in → Contact Us
You can also visit their offices across India or connect via social media.
United India Car Insurance Review: What Customers Say
Pros:
- Government trust and stability
- Affordable premium rates
- Wide cashless garage network
- Decent claim settlement ratio
Cons:
- Website interface could be more modern
- Slightly slower service in rural areas
⭐ User Rating: 4.1/5 (based on multiple online sources)
Final Verdict: Should You Buy It?
If you’re looking for a reliable, affordable, and government-backed car insurance provider, United India is a smart pick.
The company’s legacy, coverage options, and customer service make it ideal for both new and experienced car owners.
Whether it’s your first car or your fifth, your protection deserves the assurance United India provides.
