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June 6th, 2016, 08:56 AM
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Join Date: Mar 2012
United India Insurance Company Limited Car Insurance

Hi buddy here I have come to get info about United India Insurance Company Limited Car Insurance policy as I am thinking to take its policy from there ?

United India Insurance Company Limited is a public sector General Insurance Company of India (Wholly owned by Govt. of India). United India provides car insurance package policies and liability only policies.

Package Policy - Section I

Section I (Own Damage - OD) of Package Policy :
Section I of package policy 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 etc
While in transit by rail road air elevator lift or inland waterways
Landslide or workslide

Liability only policy :
Liability to third parties bodily injury and or death and property damage
Personal accident cover for the owner driver for a specified sum insured

The following are payable under Section II of the Package Policy subject to the limit of liability laid down in the Motor Vehicles Act :
The insured's legal liability for death / disability of third party
Loss or damage to third party property
Claimant's cost as decided by the court
All costs and expenses incurred with company's written consent
In case of death of an Insured person entitled to indemnity for a liability incurred under this policy his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.

not payable under the policy
Contractual liability.
War perils nuclear perils and drunken driving
Consequentail 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 arising outside the geographical area specified in the policy
Claims arising whilst the vehicle is used in contravention of the limitations as to use
Claims arising when the vehicle is driven by a person without valid driving licence

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 :

A discount of 25% on the OD rates is available. Policies issued covering these vehicles are Agreed Value Policies.
No Claim Bonus :

Ranging from 20% to 50% depending on the number of claim free years.
Automobile Association Membership Discount :

Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars and Rs. 50/- for Motorised Two wheelers only.

United India Insurance Company Limited Car Insurance policy





Last edited by Neelurk; February 24th, 2020 at 10:19 AM.
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