United India Motor and Liability Policy

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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.

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#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

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      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.


      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:

      1. 25% discount on the OD rates is available
      2. No Claim Bonus is granted ranging from 20% to 50% which depends on the number of claim free years
      3. Discount on Anti-Theft Devices is provided:  2.5% discount on the OD component of premium subject to a maximum of Rs. 200


      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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