The United Insurance Company of Pakistan Limited
The United Insurance Company of Pakistan Limited, established in 1959, provides motor insurance solutions for eligible private and commercial vehicles in Pakistan. Its comprehensive motor coverage may include accidental damage, theft, fire, natural calamities and third-party liability, subject to the selected policy. Toyota Walton Motors assists customers with quotations, documentation, inspection coordination and claim facilitation, while final underwriting, policy issuance and claim settlement remain subject to United Insurance.
At a glance
| Toyota vehicles | ✔ |
| Other makes | ✔ |
| Private | ✔ |
| Commercial | ✔ |
| Inspection required | No |
| Helpline | +92 (42) 380-21111 |
United Insurance Car Insurance through Toyota Walton Motors
Toyota Walton Motors helps customers request motor insurance quotations from The United Insurance Company of Pakistan Limited for eligible Toyota and other vehicle makes. United Insurance provides comprehensive motor protection for eligible private and commercial vehicles in Pakistan.
Our insurance team assists with vehicle details, insured-value guidance, quotation requests, required documents, inspection coordination and claim facilitation. Final premium, coverage, policy issuance and claim settlement remain subject to United Insurance underwriting and policy terms.
Comprehensive Motor Insurance
Depending on the selected policy, comprehensive motor insurance may provide protection against accidental damage, fire, theft, natural calamities, total or partial loss and third-party liability.
- Accidental loss or damage, subject to the issued policy
- Fire and theft coverage where specifically included
- Natural calamity protection where covered
- Total-loss and partial-loss protection
- Third-party bodily injury and property-damage liability
- Coverage for approved and declared accessories
- Options for eligible private vehicles
- Options for eligible commercial vehicles
United Insurance for Toyota Vehicles
Eligible Toyota owners may request a United Insurance quotation through Toyota Walton Motors. Our team will review the vehicle make, model, manufacturing year, condition, usage and current market value before preparing the applicable quotation.
Where Toyota Protection Plan eligibility applies, the quotation will clearly identify the TPP benefits and depreciation schedule. A standard United Insurance comprehensive policy must not automatically be described as a Toyota Protection Plan.
Private and Commercial Vehicle Insurance
United Insurance offers motor insurance options for eligible private and commercial vehicles. Commercial vehicle terms, rates, documentation, inspection requirements and coverage limits may differ from those applying to private vehicles.
Documents Normally Required
- Customer CNIC copy
- Valid driving licence
- Vehicle registration book or smart card
- Purchase invoice for an unregistered vehicle
- Recent vehicle photographs
- Inspection or survey where required
- Additional documents requested during underwriting
How to Request a Quotation
- Enter the vehicle make, model, manufacturing year and market value.
- Select private or commercial vehicle usage.
- Provide your name, phone number, city and preferred coverage.
- Our team will review the applicable United Insurance option.
- An indicative quotation will be shared for review.
- Final issuance will follow document review, inspection and approval.
Claim Assistance
In case of an accident, theft, fire, natural calamity or another covered event, notify United Insurance as soon as possible and provide the policy number, insured details, vehicle information and incident details.
Repairs should not begin before survey and authorization unless immediate action is necessary to ensure safety or prevent further damage. Toyota Walton Motors can assist with claim notification, documents, survey coordination and approved repair processing.
Important Information
Online rates and calculations are indicative estimates unless confirmed by The United Insurance Company of Pakistan Limited. Final premium may depend on vehicle value, age, make, model, usage, condition, inspection, deductible, tracker requirements and underwriting.
Customers should review the issued policy schedule, wording, endorsements, deductible, depreciation, exclusions and limits before payment and acceptance.
Depreciation rates
Lower depreciation = higher payout at claim time. As a Toyota Protection Plan partner, United Insurance offers the reduced TPP slabs for eligible cars.
| Vehicle age | Toyota Protection Plan | Standard |
|---|---|---|
| Year 1 | 0% | 10% |
| Year 2 | 10% | 20% |
| Year 3 | 15% | 30% |
| Year 4 | 20% | 40% |
| Year 5 | 25% | 50% |
| Year 6 & above | 30% | 60% |
*Indicative slabs, configurable and subject to the insurer's policy terms.
Claim process
In the event of an accident, theft, fire, natural calamity or other covered loss, first ensure the safety of passengers and secure the vehicle where reasonably possible.
Notify The United Insurance Company of Pakistan Limited as soon as possible through its official toll-free number 0800-84275 or UAN +92 (42) 111-000-014. Provide the policy number, insured customer’s name, contact number, vehicle registration number, incident date, time, location and a brief description of the loss.
Do not begin repairs, dismantle the vehicle or replace damaged parts before survey and written authorization, except where immediate action is necessary to prevent additional loss or protect safety.
Submit the documents requested by the insurer. These may include CNIC, valid driving licence, vehicle registration documents, policy schedule, photographs, repair estimate, police report or FIR and any additional supporting documents relevant to the claim.
United Insurance may appoint a surveyor to inspect the vehicle, assess the loss and determine the admissible repair scope. Repair authorization, parts approval, deductible, depreciation and claim settlement will be processed according to the issued policy.
Toyota Walton Motors can assist with claim notification, documentation, survey coordination and approved repair processing. Final claim approval and settlement remain subject to The United Insurance Company of Pakistan Limited.
Frequently asked questions
What does United Insurance motor insurance cover?
Depending on the selected policy, coverage may include accidental damage, theft, fire, natural calamities, total or partial loss and third-party liability. Exact coverage is stated in the issued policy.
Does United Insurance cover Toyota vehicles?
Yes, eligible Toyota vehicles may be insured through United Insurance, subject to vehicle details, inspection, insured value and underwriting approval.
Does United Insurance cover non-Toyota vehicles?
Yes, eligible local and imported vehicles from other manufacturers may be considered according to underwriting requirements.
Does United Insurance provide comprehensive car insurance?
Yes, United Insurance offers comprehensive motor insurance that may cover both own-vehicle damage and third-party liabilities, subject to policy terms.
Does United Insurance offer third-party insurance?
Third-party liability coverage is available according to the selected product and policy terms. It does not normally cover damage to the insured vehicle itself.
Does United Insurance cover private vehicles?
Yes, eligible private vehicles may be considered for comprehensive or third-party motor insurance.
Does United Insurance cover commercial vehicles?
Yes, eligible commercial vehicles may be covered, although rates, limits, documents and inspection requirements may differ from private vehicles.
Does United Insurance cover theft and fire?
Theft and fire may be covered under a comprehensive motor policy where specifically included in the issued schedule.
Are floods and natural disasters covered?
Natural calamities such as floods, storms or earthquakes may be covered under comprehensive insurance, subject to the policy wording and exclusions.
Is Toyota Protection Plan available through United Insurance?
TPP availability depends on current partnership status, eligible vehicle details and the approved plan. Toyota Walton Motors will confirm whether the quotation qualifies as TPP.
Does Toyota Protection Plan offer zero depreciation?
Toyota Protection Plan describes 0% depreciation in the first year for eligible policies. Later-year depreciation and other benefits remain subject to the issued policy.
Is vehicle inspection required?
Inspection may be required depending on vehicle age, condition, registration status, insured value and underwriting rules.
How is the United Insurance premium calculated?
Premium may depend on vehicle market value, make, model, year, usage, selected coverage, inspection, deductible and underwriting requirements.
Is the online quotation a final price?
No. Online calculations are indicative until documents, vehicle details, inspection and underwriting have been reviewed and approved.
What documents are required for car insurance?
Common documents include CNIC, valid driving licence, vehicle registration documents, purchase invoice where applicable, recent photographs and additional underwriting documents.
How do I report a claim to United Insurance?
Contact United Insurance as soon as possible through 0800-84275 or +92 (42) 111-000-014 and provide your policy, vehicle and incident details.
Can repairs start before the survey?
Repairs should not normally begin before inspection and authorization. Emergency measures may be taken only to ensure safety or prevent further damage.
Are genuine Toyota parts included in every United Insurance policy?
No. Parts entitlement depends on the selected plan, depreciation, survey and claim approval. TPP benefits apply only to eligible Toyota Protection Plan policies.
Are mechanical and electrical breakdowns covered?
Mechanical or electrical breakdown, normal wear and tear and maintenance failures are generally excluded unless specifically covered.
Is a vehicle tracker compulsory?
A tracker is not mandatory for every vehicle. It may be required according to vehicle model, insured value, theft risk or underwriting conditions.
Can Toyota Walton Motors assist with a United Insurance claim?
Toyota Walton Motors can assist with notification, documents, survey coordination and approved repairs. Final claim approval remains with United Insurance.
How long does policy issuance take?
Issuance depends on complete documents, inspection, payment and underwriting approval. No fixed timeframe should be promised before completion.
Can an older vehicle be insured?
Older vehicles may be considered subject to age limits, condition, parts availability, market value, inspection and underwriting approval.
How can I get a United Insurance quotation?
Complete the Toyota Walton Motors quotation form with your vehicle and contact details. Our team will review the applicable United Insurance option and contact you.
Free quote with United Insurance
Fill the form and our team will send you United Insurance's best rate for your car — plus a comparison if a better option is available.