United India Third-Party Car Insurance

United India third-party car insurance policy provides cover for the third-party liabilities when the insured car causes any damage to the third-party vehicle, property, or passengers.

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As per the Motor Vehicle Act 1988, it is mandatory for car owners to get insured with a Third-party car insurance policy.  United India third-party car insurance plan covers the policyholder against the third-party liabilities such as bodily injury, death, property damage, etc.

United India Third-Party Car Insurance vs Comprehensive Car Insurance

Before buy/renew car insurance take a look at the key differences between Third Party Car Insurance and Comprehensive Car Insurance in the table below:





Third-party liabilities such as vehicle damage, bodily injury, death, etc.

Third-party cover, own damage cover, theft, Loss or damage caused by natural calamity, etc.


Due to limited coverage, the premium is economical

Due to comprehensive coverage, the premium is relatively higher

Add-on covers

No Add-on cover are available

Add-on options available for the insured to purchase

Personal Accident Cover

Mandatory cover provided by the insurer

Mandatory cover provided by the insurer

Legal Requirement

It is mandatory to stay covered under third-party insurance as per Motor Vehicle Act 1988

The car owner can either chose to purchase it or not

Personal Accident Cover

Rs. 15 Lakh

Rs. 15 Lakh

What Is Covered under United India Third-Party Car Insurance?

United India third-party car insurance covers the policyholder for the third-party liabilities caused by the insured vehicle. The United India third-party covers bodily injury, death, property loss, car damage, etc. caused by the insured’s vehicle to the third-party. Along with these kinds of covers, you get to keep a peace of mind because you won’t have to pay for the third-party loss or damage out of pocket.

United India Third-party insurance provides cover for the following:

  • It provides cover for the bodily Injury or death of the third-party caused by the insured vehicle.
  • United India third-party car insurance policy provides personal accident cover for owner/driver.
  • Permanent disability is covered under third-party insurance policy.
  • Property damage of the third-party cover up to Rs. 1 lakh is provided by the insurer.

The compensation for physical injury, permanent disability, death caused to the third party due to the accident by the insured car is partially/fully compensated. However, the compensation amount is decided by the court of law.

What Is Not Covered under United India Third-party car insurance?

The exclusions of the United India third-party car insurance are as follows:

  • The United India third-party car insurance does not provide cover for own damages. However, it will provide cover for the things covered under the personal accident cover of Rs. 15 lakh.
  • If the United India third-party car insurance policyholder is found driving under the influence of alcohol or drugs then no coverage will be provided by the insurer.
  • If the United India third-party car insurance policyholder found driving without a valid license then no cover will be provided by the insurer.


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