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March 26th, 2017, 05:46 PM
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United India Insurance Company Limited General Insurance Motor

Hii sir, I Wants to get the Information About the Coverage of the General Insurance Motor policy of the United India Insurance Company Limited ?

United India Insurance Company is a state-owned (wholly owned by the government of India) general insurance company in India. It was incorporated on 18 February 1938, and was nationalised in 1972.


Motor vehicle which includes private cars Motorised Two wheelers and Commercial vehicles excluding vehicles running on rails.

Coverage of the General Insurance Motor policy

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

Package Policy - Section II
Section II ((Liability) of Package 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


What is not payable under the policy?
Contractual liability.
War perils nuclear perils and drunken driving
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 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 license

Last edited by Neelurk; May 20th, 2020 at 01:32 PM.
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