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United India Insurance
- United India Car Insurance
United India Car Insurance
United India Insurance Co. Ltd. Is one of the leading insurance plans provider in Indian Insurance market. The various plans are not only designed to meet the maximum range of unforeseen scenarios but also have a hassle free documentation and processing system in place .The various plans offered are:
Key Features
- Comprehensive Motor vehicle Insurance plans including private cars and Commercial vehicles excluding vehicles running on rails.
- Available for owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.
- Available in two variants as Package Plan and liability only plan
- Package plan consist of both personal accidental coverage and others damage to the vehicle and liabilities to the third party in event of an accident.
- A host of discounts and no claim bonus to make the United India Insurance Car Insurance Plans more rewarding.
- Extensive spread of cashless garage pan India for both the plans.
- Simple and hassle free documentation process.
- Online quotation and buying option for multiple plans
- Online Renewal in swift time.
United India Car Insurance at a Glance
|
United Car Insurance |
Coverage & Benefits |
|
Third Party Cover |
Up to Rs. 7,00,000 |
|
Personal accident |
It provides coverage according to sum insured |
|
Own Damage |
50 % of cost incurred in replacement is covered |
Plan Benefits
Coverage for loss or damage of vehicle or its accessories in the event of
- Fire Self ignition lightning
- Burglary house breaking or theft
- Terrorist activity
- Riot Strike and Malicious Damage
- Earthquake Flood cyclone and Inundation etc
- While in transit by rail road air elevator lift or inland waterways
- Landslide or work slide
- Loss or damage to accessories by burglary/house breaking/theft for private car and available for commercial vehicle on payment of an additional premium at 3% of the IDV of such accessories.
- Loss or damage to Lamp Tyres mudguard and / or bonnet side parts bumpers etc. are covered on payment of additional premium for commercial vehicles only.
- For vehicles damaged or disabled in the event to accidents , expenses pertaining to removal to nearest workshop
- The cost of immediate reasonable as per limit of the plan.
- Expense towards the replacement of parts in the plan is subject to deduction of depreciation value which is calculated as below
|
Nature of Expenses |
% of Depreciation |
|
For all rubber/nylon/plastic parts, tyres, tubes, batteries and air bags |
50% |
|
For fiber glass components |
30% |
|
For all parts made of glass |
Nil |
Rate of depreciation for all other parts including wooden parts will be considered under the plan as per the following schedule
|
Age of Vehicle |
% of Depreciation |
|
Not exceeding 6 months from commencement of the plans |
Nil |
|
Exceeding 6 months post commencement of the plans but not exceeding 1 year |
5% |
|
Exceeding 1 year post commencement of the plans but not exceeding 2 years |
10% |
|
Exceeding 2 years post commencement of the plans but not exceeding 3 year |
15% |
|
Exceeding 3 years post commencement of the plans but not exceeding 4 years |
25% |
|
Exceeding 4 years post commencement of the plans but not exceeding 5 years |
35% |
|
Exceeding 5 years post commencement of the plans but not exceeding 10 years |
40% |
|
Exceeding 10 years post commencement of the plans |
50% |
Personal Accident Cover for Owner/Driver
The United India Car Insurance plan proffer a coverage for whole insurance term to the owner-driver of the vehicle in the events of death or body injury (as per the scale mentioned below) while travelling /mounting / dismounting the vehicle. Any such event if results in the below circumstances within 6 months of the incident happening, the scale of compensation paid in the plan shall be as mentioned in the table.
|
Sl no. |
Nature Of Injury |
Scale of Compensation |
|
1 |
Death |
100% |
|
2 |
Loss of two Limbs or Sight of Two Eyes or loss of One Limb & sight of One Eye |
100% |
|
3 |
Loss of One Limb or Sight of One Eye |
50% |
|
4 |
Permanent total disablement from injuries other than above |
100% |
Exclusions for Car insurance package plans.
- Any expense towards the damaged caused during contractual liability is excluded under the scope of plan.
- War perils nuclear perils and drunken driving
- Consequential loss Depreciation Wear and tear mechanical or electrical break down is not considered under the purview of plan.
- Any damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs in not considered as eligible expense in the plan.
- Claims arising outside the geographical area specified in the Plans
- The plan explicitly rejects any claims arising whilst the vehicle is used in contravention of the limitations as to use
- Claims arising when the vehicle is driven by a person without valid driving license are excluded under scope the plan.
Liability Only Plan
The Liability Only Plan - This has been deliberated to meet the requirements as per mandatory clauses of Motor Vehicles Act. This plan covers two most critical aspects of the motor vehicle’s act.
Coverage under liabilities to third party
The liabilities to third party are covered as per Motor Vehicle Act. The plan benefit includes Liability to third parties bodily injury and or death and property damage and Personal accident cover for the owner driver for a specified sum insured
- The insured's legal liability for death / disability of third party
- Loss or damage to third party property
- Claimant's cost as decided by the court
- All costs and expenses incurred with company's written consent
- In case of death of an Insured person entitled to indemnity for a liability incurred under this Plan his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.
- Personal accident cover: A personal accident cover is provided for individual owner driver of the vehicle insured while traveling in, mounting or dismounting from the vehicle. the cover is for death and any kind of permanent disability
- Third party legal liability: Car Insurance Plan under its Liability Only Plan provides complete protection against legal liability arising due to accidental damages, any permanent injury/ death of a person and/or any damage caused to the property
- Claimant's cost as decided by the court
- All costs and expenses incurred with company's written consent
- In case of death of an Insured person entitled to indemnity for a liability incurred under this Plan his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.
Exclusions under the plan
- Any Contractual liability.
- War perils nuclear perils and drunken driving
- Consequential loss Depreciation Wear and tear mechanical or electrical break down
- Damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs
- Claims arising outside the geographical area specified in the Plan
- Claims arising whilst the vehicle is used in contravention of the limitations as to use
- Claims arising when the vehicle is driven by a person without valid driving license
Value Add Benefits
Discounts
- Discounts for Vintage Cars manufactured prior to 31.12.40 and duly certified by the Vintage and Classic Cars Club of India.
- A discount of 25% on the OD rates is available. Policies issued covering these vehicles are Agreed Value Policies.
- Automobile Association Membership Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars.
- A discount of 2.5% on the OD component of premium subject to a maximum of Rs. 200/- for installation of device approved by the ARAI Pune in vehicles certified by the Automobile Association of India.
- 50% discount on the OD premium on the vehicle specially designed / modified for use of the blind handicapped and mentally challenged persons
- For the use of vehicles within Insured's premises/sites a discount of 33 1/1 % on the tariff rates is provided.
No Claim Bonus
The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the Plan, if no claim is made or pending during the preceding year (s), as per the following table
|
Period of Insurance |
% of NCB on OD premium |
|
The preceding year 20 % |
|
|
Preceding Two consecutive years |
25% |
|
Preceding Three consecutive years |
35% |
|
Preceding Four consecutive years |
45% |
|
Preceding Five consecutive years |
50% |
Additional coverage for Package Plan and Liability only Plan
Additional coverage is provided basis payment of additional premium for both the Package and Liability Only policies by charging additional premium of Rs. 500/- per vehicle in case of package Plan and Rs.100/- per vehicle in case of Liability only Plan.
- Further extension of the Geographical area to include:
- Bangladesh
- Bhutan
- Nepal
- Pakistan
- Sri Lanka
- Maldives
- Personal Accident covers are available to names and unnamed persons travelling in the Motor Vehicles including employees
- In case of vehicles belonging to Embassies / Consulates etc. where the "import duty" element is not included in the IDV the premium for Own Damage shall be loaded by 30%.
- Electrical / Electronic Fittings which do not form part of the vehicle manufactured and imported have to be specifically covered separately by paying additional premium of 4% on the value of such fittings.
- Vehicles fitted with CNG/LPG Bi-fuel kits have to be separately declared and premium is chargeable at 4% on the value of such kit.
- An additional premium of Rs.50/- for OD cover for all vehicles except Miscellaneous Type of Commercial Vehicles: for Miscellaneous Type of Commercial Vehicle it is Rs. 100/-.
General Terms and conditions
- For Personal Accident Cover for Owner/Driver, the compensation shall be payable under only one of the events as mentioned in the table.
- The total liability of the insurer shall not in the aggregate exceed the sum of Rs. 2 lakhs during any one period of insurance.
- No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to either
a) Intentional self injury suicide
b) Attempted suicide
c) Physical defect or infirmity
d) An accident happening whilst such person is under the influence of intoxicating liquor or drugs.
- All compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full discharge in respect of the injury to the insured.
- This cover is subject to
i. The owner-driver is the registered owner of the vehicle insured herein;
ii. The owner-driver is the insured named in this Plan.
iii. The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.
- Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require.
- Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any occurrence which may give rise to a claim under this Plan.
- In case of theft or criminal act which may be the subject of a claim under this Plan the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.
- No admission offer promise payment or indemnity shall be made or given by or on behalf of the insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the insured the defense or settlement .
- The Company shall not be liable to make any payment in respect of consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages, damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.
- No Claim shall be accepted for any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.
- In the event of the vehicle being disabled by reason of loss or damage covered under this Plan the Company will bear the reasonable cost of protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in respect of any one accident.
- The insured may authorize the repair of the vehicle necessitated by damage for which the Company may be liable under this Plan provided that:
- The estimated cost of such repair including replacements, if any, does not exceed Rs.500/- under any of the plan.
- The Company is furnished forthwith with a detailed estimate of the cost of repairs; and
- The insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable.
United India Car Insurance - FAQs
1. How to pay a premium? What are the modes of payment available?
The United India Insurance Company offers 3 modes of premium payment namely:
- Cash payment at the branch
- Online Payment
- NEFT/RTGS
- Mobile- M power
For the online payment mode, the policyholder can pay via;
- Credit Card
- Debit Card
- Net banking
2. How can I check policy status for United India car insurance?
Please vsist the nearest office of the United India Insurance company to inquire about the policy status.
3. What is the policy renewal process for United India car insurance?
If you purchased the policy online you should renew it online before 30 days of the expiry.
Online Renewal Procedure
Step1: Enter your Policy number and Expiry Date to login into e-portal
Step2: Choose the the payment option - Debit/Credit Card or Net Banking to pay
Step3: Print/Save cyber receipt of the premium deposit
Alteranatively, you can pay via M-Power
Procedure: Visit the Merchant Interbank Mobile Payment Service (IMPS) section on your Mobile Banking application and just input:
Merchant Mobile No: 8939815005
Merchant MMID: 9036001
Amount: *
Payment Reference: *
MPIN :
4. What is the company’s process to settle claim for United India car insurance?
Doenload the suitable claims from from e-portal. Depoist it with the required documents at the customer service desk in your nearest branch. The company will make the necessary inquiries and if satisfied will reimburse the claim amount in a few days.
5. What is the policy cancellation process for United India car insurance?
You can cancel the policy before it is expired. Just visit the nearest branch with the policy documents and fill up a surrender form. Submit it and within a few days the refund will be directly credited in your bank account.
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United India Car Insurance Reviews
TOTAL REVIEWS (1)
Rijool
Ooty
May 17, 2016
Ooty
May 17, 2016
Perfect Plan
My united india car insurance plan is good. The policy coverage is high and the claims are even better. Tow facility is there which is included in the policy. The number of garage is good so that the recovery is easy for policy holder. Good behaviour of the executives and staff of the company is great. Good investment, I like the policy.