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United India Zero Depreciation Car Insurance

Zero or nil depreciation add-on is a beneficial coverage you can opt for along with your United India car insurance policy. This add-on by United India Insurance Co. Ltd allows you to claim the total cost of repair or replacement of your car and its parts, including their depreciation value, in case of an accidental damage.

Benefits of United India Zero Depreciation Car Insurance

Over time, the value of your car and its parts depreciates, which is deducted by your insurer during claim settlements. However, opting for a nil dep add-on with United India comprehensive car insurance can help you avoid this deduction. Here are some benefits you get with a zero dep add-on cover:

Marginal Extra Premium: Opting for a nil dep add-on with United India comprehensive car insurance incurs only a small extra premium. By paying this, you can protect yourself from significant expenses arising out of depreciation.
Complete Coverage: With United India zero depreciation car insurance, you will not encounter any unexpected expenses during the claim process since the insurer covers all repair or replacement costs after the mandatory deductions.
Rapid Claims and Customer Support: The claim process for United India zero dep car insurance is effortless and quick as there is no depreciation involved. The company also has a dedicated claim assistance team available 24/7.

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How to Buy United India Zero Depreciation Add-on Cover?

You need to follow the steps stated below to opt for a zero dep add-on while buying the United India car insurance policy:

Click "Car Insurance" on the homepage of Policybazaar.com.
Enter your car number along with its other particulars.
Complete the registration form to view policy details and pricing.
Select United India insurance from the motor insurance plans listed on the page.
Now, from the "Add-ons" dropdown, select 'Zero Depreciation.'
After adding the cover, you will get the updated price of your policy, which you can pay through the available payment methods.
Once you have paid the premium, your policy documents will be sent to you on your registered email.

United India Zero Depreciation Car Insurance Claim Process

Raising a claim under your United India zero dep policy is a hassle-free process. Just follow the steps cited below:

Inform your insurance provider about the damages sustained by your four-wheeler in a road accident.
Upon claim intimation, your insurer will appoint a surveyor to evaluate damages and repair costs.
After successful inspection and document verification, your vehicle will be sent to the network garage for repairs.
Once your car has been repaired, your insurer will settle the claim with the garage.
If repairs are done outside your insurer's authorised garages, you need to pay for the repairs from your pocket, and your insurer will reimburse you later.

Documents Required for a United India Zero Depreciation Car Insurance Claim

You need to produce the following documents to your insurer while raising a claim under your nil dep car insurance:

Your car insurance policy
Insured vehicle's RC (registration certificate)
Driving licence of the owner-driver
Claim form (properly filled and signed)
Copy of Police FIR
Estimates of repair
Repair bills

FAQs

Q1. Can I opt for a zero dep add-on if my car is 6 years old?

Ans: Yes. Several insurers now offer zero depreciation cover for cars aged between 5 and 10 years.
Q2. Who should ideally buy a United India zero depreciation car insurance policy?
Ans: A nil dep cover is suggested particularly for:
- New or luxury car owners
- New drivers
- Individuals living in high-risk areas or without access to designated parking
Q3. Is zero depreciation add-on available with third party car insurance?

Ans: No. A nil dep add-on is only available with a comprehensive four-wheeler insurance policy.
Q4. Can I opt for a United India zero depreciation add-on during the policy tenure?

Ans: No. A zero depreciation add-on can be availed only when you buy or renew car insurance.

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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