National Union Auto Insurance Review (2021)
National Union Auto Insurance is a subsidiary of American International Group (AIG.) National Union Insurance Company specializes in fire insurance, and National Union Insurance ratings are A (Excellent) with A.M. Best. National Union doesn't offer auto insurance, but you can easily compare auto insurance from top auto insurance companies with our free comparison tool below.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: May 10, 2021
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- National Union Fire Insurance is a subsidiary of American International Group (AIG)
- National Union offers both business and individual coverage
- National Union strives to provide a fast and accurate claims department
UPDATE: National Union is a subsidiary of AIG. AIG does not offer any options for personal auto policies.
This National Union review will tell you all you need to know about the company, from the types of coverage they offer to the rates you can expect to pay. This review will focus on the National Union Insurance Group Inc. in Pennsylvania, not the National Union Fire Insurance Company of Vermont or Tennessee.
National Union Insurance Company specializes in fire insurance and is a subsidiary of American International Group (AIG). The company does not offer auto policies at this time.
AIG Insurance, a commerce and industry insurance company, also offers general property/casualty, life insurance, and retirement, and financial services. AIG does not offer general auto coverage, either, although they do offer luxury automobile coverage.
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Table of Contents
What Are National Union Rates Like?
While the price isn’t always the deciding factor when it comes to choosing an auto policy, it’s usually one of the most important things people consider before entering an insurance contract.
Although National Union does not offer auto policies, you can look at the table below to get an idea of what you might pay for car insurance depending on how much coverage you decide to buy.
The table shows average annual rates based on coverage levels.
| Coverage Types | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
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These are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, auto theft rates in your area, and ZIP code. If you’d like to check out the crime rates where you live, you can visit the online database for the Federal Bureau of Investigations (FBI).
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What is National Union Insurance availability by state?
The history of the National Union Fire Insurance Company of Pittsburgh, PA subsidiaries date back to 1919 and they offer coverage in all 50 states and over 80 countries, most of those policies covered by National Union’s parent company, AIG.
The administrative office for the National Union Insurance Company of Pittsburgh, PA is located in New York, NY.
Keep reading to learn more about National Union.
What National Union Coverages Are Offered?
National Union Insurance’s parent company, AIG Property Casualty U.S. Inc., also offers a range of different policies to its customers. You can take a look at the table below to see what options are available through AIG.
| Type of Insurance | Coverage Types Available |
|---|---|
| Life Insurance | Term Life Insurance, Guaranteed Issue Whole Life Insurance, Quality of Life Insurance, Universal Life, Variable Universal Life |
| Travel Insurance | Travel Guard® - trip insurance plans include assistance with navigating canceled flights, lost bags, sudden health emergencies, and more – virtually anywhere in the world. |
| Private Client Group products | Homeowners, Private Collections, Excess Liability, Yacht, Luxury Automobile |
| Personal Accident & Health Insurance | Accident Insurance, Accident & Sickness Insurance |
| AIG Direct products | Term Life Insurance, Quality of Life…Insurance®, Whole Life, Guaranteed Issue Whole Life, Universal Life Insurance |
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Are There Any National Union Discounts?
Below you will find the different insurance products available through National Union which you may be able to bundle for discounts or ask about discounts for.
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What programs are available from National Union?
National Union offers different types of coverage to both businesses and individuals.
Their commercial products include:
- Alternative Risk and Finance
- Aviation
- Accident and Health
- Casualty
- Environmental
- Energy
- Marine
- Management and Professional Liability
- Multinational Companies
- Property
- Workers Compensation
Their personal products include:
- Accident and Health
- Auto
- Home and Property
- Private Client Group
- National Union Fire Insurance Travel Insurance
More generally, you can see below the most common discounts.
Generally, your discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.
The table below shows some of the most common discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
| Discounts Offered | Average Percentage of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| Low mileage/Low usage discount | Up to 20% | State Farm, Allstate, Travelers, Nationwide, Progressive |
| Defensive driving discount | 10%–15% | State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers |
| Safe driver discount | 10% | State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Military and federal employee discount | 8%–15% | GEICO, Esurance, USAA |
| Good student discount | 5%–25% | State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual |
| Senior/Mature driver discount | 5%–10% | GEICO, Allstate, Liberty Mutual |
| Homeowner discount | 3% | State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers |
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As you can see, it is always best to check with your insurance provider to see what insurance discounts are available to you.
Keep scrolling to learn more about National Union Insurance.
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Is Canceling Your National Union Policy Easy?
What should you do if you need to cancel your policy?
Keep reading to learn more.
Is there a refund?
Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, you should always check with your agent to see what factors apply to you.
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How do you cancel?
You can cancel your policy at any time simply by contacting your agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.
When can I cancel?
You can cancel your policy at any time simply by contacting your agent and letting them know that you’d like to cancel your policy. Once you’ve canceled your policy, any excess premiums will be refunded to you promptly.
How Do You Make a National Union Claim?
You should always know how to file an insurance claim. One of the things that this company is known for is its fast and accurate claims department. The company has 320 claims offices around the world and 9,000 employees who only handle claims.
You have two options for filing a National Fire Insurance Company claim. The first one is to call the company directly by using the National Union phone number at 888.760.9195 which will connect you with their 24/7 claims department.
If, however, you prefer to speak with someone in person regarding your claim or simply want to use someone you know, then you can file your claim with your independent agent who will file the claim with the company on your behalf.
Truthfully, this will slow down the process a little, but as long as there are no major issues with your claim, it shouldn’t cause a huge time delay.
There are no options to file your claim online. There are also no forms available online for you to fill out in advance to speed up the process. Simply put, National Union claims must be handled by phone one way or another.
Keep reading to learn more about National Union Insurance.
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What Do The National Union Ratings Say About The Company?
Overall, the reviews for this company are positive from both a client standpoint and from a standpoint of people who work for the company as well. Common compliments are that the company pays its claims fast and that they are easy to work with. A common complaint is that their prices are increasing.
National Union Fire Insurance Company of Pittsburgh, PA’s A.M. Best rating is A (Excellent) and they also rate the company as stable.
National Union’s parent company, AIG, is accredited with the Better Busines Bureau (BBB) and has been since 2011. The BBB gives them an A+ rating. However, AIG has only one out of five stars based on customer reviews on the BBB website.
What Is The Bottom Line?
Now that you know everything you need to know about National Union Insurance, we hope that you’ll feel more confident in purchasing your policy.
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Do You Have More Questions About National Union Insurance?
In this section, we answer some of the most commonly asked questions about National Union. Some of the answers may have been covered in part or in full in the guide above.
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#1 – Why would my provider cancel my auto insurance policy?
Your provider may cancel your policy if you do any of the following:
- Get your driver’s license suspended or revoked
- Lie during the application process
- Fail to pay your auto insurance premium
Your auto insurance company may also choose not to renew your policy if they determine you to be a high-risk driver or if they find that you are in any kind of breach of contract.
#2 – What kinds of questions should I be prepared for when purchasing my policy?
When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.
Some of the things the company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.
Once this information is collected, the company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process.
By using this method of risk evaluation, providers are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.
#3 – Does National Union Insurance offer SR-22?
Since neither National Union Insurance nor AIG offers auto policies, they also do not offer SR-22 policies.
If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver.
Normally, high-risk drivers are required to purchase SR-22, which isn’t available through all companies, so it may take some looking around to find coverage.
The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 when compared to rates for drivers without any driving violations on their records is steep.
Rate increases for driving violations that result in a driver being forced to carry SR-22 can be as much as $541 a month.
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#4 – How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your policy also means that your rates will be affected by that driver’s perceived risk, as well.
For example, adding a teenager to your policy can raise your rates drastically since teenage drivers are inexperienced and companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.
There are restrictions as to who you can add to your auto policy.
Most companies will only allow you to add people in the same household to your policy.
Always talk to your provider or an agent about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.
#5 – Are there benefits to using an agent to purchase coverage?
While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.
First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.
Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.