Old United Insurance Company Review 2026

Old United's official website states, "The term for consideration of the claim is usually 10 working days (exceptions occur). Payment is made in accordance with the policy conditions to the insurance contract."

Old United only provides a website contact form and various email addresses for contact methods. It is quite unusual for a modern carrier to not provide a phone number or business hours for their customers to reach them.

Old United's official website lists their auto insurance claims process as follows:

1. "If an insured event has occurred, you must first seek medical help (if required);
2. Notify the company about an insurance event. Report the event in any available way: send a message to email, inform by phone. It is necessary to notify of an insurance event within 30 days from the date of the event;
3. Provide a complete list of documents, the list of which depends on the type of contract and risks. All provided certificates of the insured event must be filled out correctly. Both originals and certified copies are accepted for consideration. All medical documents are certified by the institutions that created them, and other documents must be stamped by a notary or the issuing authority (court, police, prosecutor’s office). If necessary, the company can request any documents evidencing the occurrence of the insured event, and independently investigate all the circumstances of the case;
4. Send the package to the Insurer. You can often do it by filling out a claim on the company’s website with the required documents attached.

Old United Insurance Company does not provide a user-friendly experience. Old United's website is quite simple and bare compared to most modern carriers. Frankly, the content on the website appears to have been translated to English from another language, making it difficult to read and non-sensiical in some areas. 

There's not much information provided about products, coverage options, discounts, claims, etc. Further, the carrier only allows customers to contact them through email or a contact form on the website. Old United also does not seem to have a LinkedIn page, or any social media presence whatsoever.

Old United offers a few types of coverage, but the only one that seems to have any specific details provided is its watercraft insurance. The official website lists the following details about the carrier's watercraft policies.

"The insurance reimburses losses associated with the complete loss of the insured object, both actual and constructive, as well as the costs of repairing damage to the hull, mechanisms, equipment resulting from the following issues.

• Fire or explosion, natural disaster
• Damage to machinery and equipment
• Capsizing, aground, collisions with other vessels, floating and stationary objects
• Accidents during loading or unloading operations, as well as raising and launching of the insured vessel by water, reloading or reinstallation during storage
• Illegal actions of third parties, including as a result of the theft of the insured object or its parts

Additional risks

1. Damage / theft of the vessel during transportation
2. Liability of the shipowner to third parties for damage caused by the insured ship to floating and stationary objects as a result of bulk and collisions
3. Liability of the shipowner for harm caused to the life and health of third parties
4. Liability of the shipowner for damage to the environment
5. Participation in races and regattas

The standard “package” consists of physical Damage Coverage, Personal Watercraft Liability Coverage, and Medical Payments Coverage."

An independent insurance agent can help you find more information about Old United's watercraft policies and other products offered.

Old United has high ratings from AM Best and the BBB. However, the carrier does not provide much detail at all about its products or the company itself. The insurance company also seems to have purely negative customer reviews, which makes it seem that Old United cannot safely be considered a good company.