
United Car Insurance offers tailored solutions that keep you covered
United Car Insurance: Comprehensive Coverage for Your Peace of Mind
Get Peace of Mind on the Road with United Car Insurance
United Insurance is a leading provider of car insurance in Pakistan, offering comprehensive coverage at competitive rates. Whether you’re a new driver or a seasoned pro, we have a plan to fit your needs.
United’s Flexible Car Insurance Plans
United Car Insurance offers a variety of plans to meet your specific needs, from full coverage to more focused options. Here’s an overview of their available plans:

United Comprehensive Car Insurance
- Extensive Coverage Options
Whether you’re looking for basic liability coverage or comprehensive protection, United Car Insurance has a plan for you. Options include:
- Liability Coverage: Meets legal requirements and covers damages you cause to other vehicles.
- Comprehensive Coverage: Protects against theft, fire, and natural disasters.
- Collision Coverage: Covers damages from collisions, regardless of fault.
- Personal Injury Protection (PIP): Helps with medical expenses for you and your passengers.
- Affordable Rates
- 24/7 Roadside Assistance
- Seamless Claims Process
- Discounts and Rewards
Visit Insurance.net.pk and enter your vehicle details to compare United Car Insurance plans side-by-side with other leading insurers. Our user-friendly platform makes it easy to find the perfect coverage for your needs.
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Private Car Comprehensive Insurance
Comprehensive Car Insurance plans offer extensive protection for your vehicle, ensuring you feel safe and secure on every journey.
Coverage Details:
Section 1: Loss or Damage Protection The policyholder is covered for any loss or damage to the vehicle and its accessories due to:
- Accidental incidents
- Fire, external explosion, self-ignition, lightning, or frost
- Theft, burglary, or unauthorized access
- Malicious acts
- Riots or strikes
- Natural disasters like floods, hailstorms, hurricanes, cyclones, tornadoes, typhoons
- Earthquakes, volcanic eruptions, or other natural events
- Transportation incidents by air, road, rail, waterway, lift, or elevator
Third-Party Liability
This coverage includes:
- Compensation for death or bodily injury to a third party (excluding the insured’s employees)
- Property damage to third-party belongings (excluding items held in the insured’s trust or custody)
- Coverage extends to any driver operating the vehicle with the insured’s permission, provided they are not covered by another policy
- The policy includes indemnity for the insured if driving a vehicle they do not own or lease through a hire-purchase arrangement
- In the event of a third-party death, the policy will cover the deceased’s legal representatives, within the policy’s terms and limits.
Extra Benefits:
- Free towing to the nearest workshop.
- Freedom to choose your own repair workshop.
- Assistance from UIC claims experts to obtain the final police report.
- Free repatriation of the driver’s remains within Pakistan in the event of death.
- Funeral expenses are covered.
- No hidden fees or charges.
- Theft and total loss claims settled within 30 days of document submission.
Commercial Vehicle Insurance
2. Commercial Vehicle Insurance
- Ideal for Businesses: Designed for cars, trucks, and vans used for business purposes.
- Large Fleet or Small Business: Flexible options to cover all business vehicles, ensuring they’re protected on the road.
- Comprehensive or Limited Coverage: Choose the plan that aligns with your business needs.
3T Insurance
3T Insurance is a specialized car insurance plan designed to offer essential protection for your vehicle at a more affordable rate by focusing on three key areas:
Theft Coverage: Protection against the risk of vehicle theft. If your car is stolen, 3T Insurance helps cover the loss, ensuring financial support for replacing your vehicle.
Third-Party Liability: Coverage for damages or injuries caused to third parties. This includes compensation for property damage or bodily injury that you may accidentally cause to another person while driving.
Total Loss Coverage: Financial protection if your vehicle is declared a total loss, usually due to severe damage from an accident or a natural disaster, where repairs exceed a certain percentage of the car’s value.
Here’s a table summarizing the United Car Insurance plans:
Plan Type | Coverage | Ideal For | Additional Benefits |
---|---|---|---|
Comprehensive Car Insurance | – Full protection against theft, accidents, natural disasters, fire, and more. – Third-party liability for injury and property damage. | Drivers seeking complete protection and peace of mind. | – Free towing service – Choice of repair workshop – Assistance with police reports – Quick claim settlements |
Commercial Vehicle Insurance | – Coverage for business vehicles, from cars to trucks and vans. – Options for large fleets or small business vehicles. | Businesses and fleet owners needing insurance for their operational vehicles. | – Flexible plans to meet business needs – Protection on the road for all business vehicles |
3T Insurance | – Covers theft, third-party liability, and total loss only. | Drivers looking for essential coverage at an affordable rate. | – Budget-friendly protection – Meets minimum legal requirements |
Each plan is designed to meet specific needs, offering flexibility and various levels of coverage to ensure you stay protected on the road with United Car Insurance.
Risk Covered
- Accidental External means
- Riots, Strikes & Malicious Damages
- Theft
- Fire, External explosion, self-ignition or lightning or frost
- Third Party Liability
Value Added Features
- Free towing to the nearest workshop
- Get your car repaired from the workshop of your own choice
- UIC claims experts will help in getting the final police Investigation Report
- Free PA/PTD covers of Rs.30,000/- to the deceased paid driver. (In case of insured car accident only)
- Free death repatriation of the driver within Pakistan
- Funeral expenses & arrangements for the said person will be borne by UIC
- No hidden taxes & charges
- We commit to settle all theft and total loss Claims within 30 days after reporting/submission of requisite documents
Why Choose United Car Insurance?
United Car Insurance provides a well-rounded selection of plans that cater to diverse needs and budgets, giving drivers flexibility and peace of mind. Here are the top reasons to choose United:
Flexible Coverage Options
United offers a range of plans, from Comprehensive and Commercial Vehicle Insurance to 3T Insurance, allowing you to pick the coverage that best suits your needs—whether you want extensive protection or essential coverage at a lower cost.Affordable Premiums
United Car Insurance provides competitive pricing with customizable plans, letting you adjust deductibles and coverage limits to fit your budget.Reliable Claim Support
Their streamlined claim process includes dedicated support for filing claims, quick assistance, and expert help with police reports, which ensures you receive timely and stress-free service.Added Benefits
United Car Insurance plans come with valuable perks, such as free towing to the nearest workshop, flexible repair options, and quick claim settlements.Transparency and No Hidden Costs
With clear terms and conditions, United Car Insurance has no hidden charges, ensuring that what you see is what you get.
Frequently Asked Questions (FAQs)
Comprehensive coverage protects your vehicle against a range of risks, including accidental damage, fire, explosions, riots, strikes, natural disasters like earthquakes and floods, theft, and third-party liability.
Yes, damages caused by riots or strikes are covered under this policy.
Depreciation refers to the gradual decrease in your car’s value over time.
Only drivers specified on the proposal form are eligible for coverage in case of an accident.
Your coverage is valid within the geographic boundaries of Pakistan.
Compensation may be provided in cash, through repairs, or by replacing parts, depending on the nature of the loss.
Immediately call emergency services at 15, then notify the insurance company about the incident.
To file a claim, visit us at insurance.net.pk or call us at 04235776475-81.
No, the insurance policy is non-transferable and cannot be passed on to another individual.