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United India Motor and Liability Policy

United India Insurance provides motor insurance which covers the loss caused to the motor vehicles like car, two-wheeler and commercial vehicle. It provides insurance up to 3 years for cars.

Coverage

United India Car Insurance Provides two types of coverage facilities, which are:

Package policy

This package policy by United India Insurance Company Limited covers loss or damage to the vehicle and / or accessories due to:
- Accidental external means
- Fire Self ignition lightning
- Burglary house breaking or theft
- Terrorist activity
- Riot Strike and Malicious Damage
- Earthquake
- Flood cyclone and Inundation
- While in transit by rail road air elevator lift or inland waterways
- Landslide or work slide
Liability only policy
- Third party liability covering body injury and or death and property damage
- Specified sum insured cover for the owner drive
In case of death of an insured person under this policy his legal representative will be indemnified.
- Only third-party liability coverage.
- Liability to third parties bodily injury or death.
- Loss or damage caused to the third-party property is covered
- The insured legal liability for death or bodily injury of third-party.
- All costs and expenses incurred are provided with the companies consent.

Discounts

The following are the discounts available on the premium payable. Vintage Cars - Cars manufactured prior to 31.12.40 and duly certified by the Vintage and Classic Cars Club of India:

25% discount on the OD rates is available
No Claim Bonus is granted ranging from 20% to 50% which depends on the number of claim free years
Discount on Anti-Theft Devices is provided: 2.5% discount on the OD component of premium subject to a maximum of Rs. 200

Exclusions

Package policy & Liability only policy:

War perils nuclear perils and drunken driving are not covered
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 outside the geographical area specified in the policy are excluded
Claim when the vehicle is driven by a person without valid driving license

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in