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.

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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.


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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Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

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