United India Motor Insurance

Drive with Confidence. Protect Your Vehicle Against the Unexpected.

United India Motor Insurance from United India Insurance Company Limited (UIIC) provides comprehensive protection for your car, two-wheeler, or commercial vehicle against accidents, theft, fire, natural disasters, and third-party legal liabilities. You can choose from Comprehensive Motor Insurance, Third-Party Liability Insurance, or Standalone Own Damage Insurance based on your protection needs.

Key Highlights

• Comprehensive protection for cars, two-wheelers, and commercial vehicles
• Mandatory Third-Party Liability cover as per the Motor Vehicles Act
• Own Damage cover against accidental loss or damage
• Cashless claim facility at network garages
• Personal Accident Cover for Owner-Driver
• Optional add-on covers for enhanced protection
• No Claim Bonus (NCB) for claim-free years
• Easy policy renewal and claim assistance
• Coverage across India

Why Choose United India Motor Insurance?

Comprehensive Vehicle Protection

Protect your vehicle against financial losses arising from:

• Road accidents
• Theft or burglary
• Fire and explosion
• Flood, cyclone, earthquake, and other natural calamities
• Riots, strikes, and malicious acts
• Transit damage (as per policy terms)

Third-Party Liability Cover

Third-party insurance is mandatory in India and protects you against legal liabilities arising from injury, death, or property damage caused to a third party.

Cashless Repairs

Get your vehicle repaired at authorized network garages with cashless claim settlement, subject to policy terms.

Affordable Premiums

Choose the coverage that suits your budget with flexible options for private cars, two-wheelers, and commercial vehicles.

Types of Motor Insurance

Comprehensive Motor Insurance

Provides protection for:

• Own vehicle damage
• Third-party liability
• Theft
• Fire
• Natural disasters
• Man-made disasters
• Personal Accident Cover for Owner-Driver (where applicable)

Third-Party Liability Insurance

Covers:

• Third-party bodily injury or death
• Third-party property damage

(This is the minimum mandatory insurance required under Indian law.)

Standalone Own Damage Insurance

Ideal for vehicle owners who already have a valid Third-Party policy and want protection against damage to their own vehicle.

What's Covered?

✔ Accidental Damage

✔ Fire & Explosion

✔ Theft & Burglary

✔ Flood, Cyclone, Earthquake & Natural Calamities

✔ Riots, Strike & Malicious Damage

✔ Transit Damage

✔ Third-Party Legal Liability

✔ Personal Accident Cover for Owner-Driver (subject to policy terms)

Optional Add-On Covers

Enhance your protection with optional add-ons such as:

• Zero Depreciation Cover
• Engine Protection Cover
• Return to Invoice Cover
• Roadside Assistance
• No Claim Bonus Protection
• Consumables Cover

Availability of add-ons may vary depending on the vehicle type and policy selected.

No Claim Bonus (NCB)

Enjoy a discount on the Own Damage premium for every claim-free policy year. The NCB can generally be transferred when you renew your policy with another insurer, subject to applicable rules.

Who Should Buy This Policy?

Ideal for:

• Private Car Owners
• Two-Wheeler Owners
• Commercial Vehicle Owners
• Taxi Operators
• Fleet Owners
• First-Time Vehicle Buyers

Benefits at a Glance

Documents Required

• Vehicle Registration Certificate (RC)
• Previous Insurance Policy (for renewals)
• Aadhaar Card
• PAN Card
• Identity Proof
• Address Proof
• Passport-size Photograph (if required)

Why Buy Through Us?

• Expert guidance in choosing the right motor insurance
• Competitive premium options
• Hassle-free policy issuance and renewals
• Assistance with claim documentation
• Cashless claim support
• Dedicated customer service throughout the policy period