United India Motor and Liability Policy

Introduction/Overview

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:

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

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