United India Fire Insurance
United India Insurance Company Limited is a general insurance providing company in India. The company was incorporated on February 18, 1938 and it was nationalized in 1972. Out of all the general insurance products, United India offers fire insurance plans.
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Types of Fire Insurance Plans by United India Insurance Company Limited
United India Insurance Company Limited offers the following fire insurance plans:
- Bharat Griha Raksha Policy
- Fire Floated Policy
- Fire Floater Declaration Policy
- Fire Loss of Profit Policy
- Standard Fire and Special Perils Policy
- Fire Declaration Policy
United India Fire Insurance: Inclusions
Here is the basic coverage provided under United India Fire Insurance policy:
- Building and content damage covered
- Temporary accommodation expenses covered
- Explosion or implosion damage covered
- Lightning damage covered
- Natural calamities covered (earthquake, cyclone, flood, etc.)
- Bush/forest fire damage covered
- Compensation for fire brigade payment
- External impact damage covered (vehicles, animals, aircraft, etc.)
- Riots, strikes, and malicious damages covered
- Terrorism act covered as per policy
- Water tank/Pipe bursting and sprinkler leakage covered
- Theft compensation provided within 7 days
United India Fire Insurance: Exclusions
Here are the basic exclusions under United India Fire Insurance Policy:
- Intentional or negligent damage not covered
- Public authority-ordered burning not covered
- Boilers or economisers damage not covered
- Steam machine or apparatus damage not covered
- Damage from insured-owned vehicle, animal, or aircraft not covered
- Work interruption or cessation not covered
- Terrorism clause exclusions apply
- Office location repair/alteration cost not covered
United India Fire Insurance: Claim Process
Follow the steps given below to raise the claim under this insurance policy:
- Step 1: Inform insurer of fire accident
- Step 2: Request and fill out claim form
- Step 3: Create detailed account of damaged properties and estimated cost
- Step 4: Insurer sends inspector to inspect premises
- Step 5: Cooperate with inspector and provide information
- Step 6: Insurer settles claim based on inspector's report within specified time in policy documents
United India Fire Insurance: Documents Required
Here are the following documents that you will have to submit along with the claim form while raising a claim:
- Fire Brigade report
- PAN Card
- Aadhar Card
- Record of previous claims (if any)
- Address proof of loss location
- Electricity Bill
- GST Registration Certificate
- Copy of final investigation report
United India Fire Insurance: FAQs
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Que 1: How can I determine the sum insured for my property?
Ans: The sum insured should be determined based on the value of the property and the cost of rebuilding it. It is important to ensure that the sum insured is adequate to cover the total value of the property. -
Que 2: Can the policy cover my business inventory and equipment?
Ans: Yes, the policy can be extended to cover business inventory and equipment against damage caused by fire and other perils. -
Que 3: Can I cancel the policy mid-term?
Ans: Yes, the policy can be cancelled mid-term by giving notice to United India. However, the premium refund will be based on a pro-rata basis, and a cancellation fee may be charged. -
Que 4: What is the process for making changes to the policy?
Ans: To make changes to the policy, such as increasing or decreasing the sum insured, the customer should contact United India and provide the necessary details. Usually, it can be done during the renewal of the policy.
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