United Insurance Two Wheeler

sir I want to take a two wheeler insurance from the united insurance so can you tell em the details for the same

[Shaleen]

Hey the Motor vehicle which includes Two wheelers excluding vehicles running on rails.



Eligibility

Owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.

Insured's Declared Value (IDV)
(a) In case of vehicle not exceeding 5 years of age the IDV has to be arrived at by applying the percentage of depreciation specified in the tariff on the showroom price of the particular make and model of the vehicle.

(b) In case of vehicles exceeding 5 years of age and Obsolete models (manufacture of those vehicles which have been stopped by the manufacturers) they have to be insured for the prevailing market value of the same as agreed to between the insurer and the insured.


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

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
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.


Coverage not included in 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