United India Car Insurance

I want to get information about the Key Benefits of United India Car Insurance Covered area as well as No-Claim Benefits. So here can you provide me information about it?

[Kiran Chandar]

I have knowledge about the Key Benefits of United India Car Insurance Covered area as well as No-Claim Benefits. So here I am providing you information about it, as you want.


Key Benefits of United India Car Insurance
Cashless Claim Networks
Direct Cashless Claim settlement in network garages across India
Don’t we love a good discount?

Discounts
Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars
Help is always at hand

Accidental Cover /Customer Support
Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement



Depreciation cover for United Inida Car Insurance
Depreciation Cover
100 % repayment covered

Third Party Cover
The policy provides Third Party Property Damage of Rs. 7.5lakhs

Personal Accident Cover
Personal accident cover for the owner driver for a specified sum insured


What does it cover?
Own-Damage:
External causes, deliberate or intentional.

Larceny - this includes loss or damages to accessories.

Fire, environmental disasters e.g. landslides, floods etc.

Transit mishaps (whether through road, rail, waterways etc.)

Terrorism, public disturbances.

If the accident leaves the car in need of repairs, cover (at marginal, additional costs and within specified limits) extends to:

Transporting the automobile to the nearest repair centre.

Repairs required to be done immediately.

Third-party Legal Responsibility:
As awarded by the court to the third party involved, to compensate for:

Death.

Physical injury/disability.

Property destruction.

Personal Accident Cover for owner-driver:
Compensation payable relates to the type of loss:

100% in the event of death, loss of two limbs, loss of vision in both eyes, loss of one limb and vision in one eye and Permanent Total Dismemberment (PTL).
50% in the event of loss of only one limb or loss of vision in only one eye.

Additional Covers:
Available on payment of extra premium.
The following can be included in the scope of the contract:

Usage in the following geographic locations (outside the regular boundaries) - Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, Maldives @ Rs.500 per car.

Personal accident covers - for employees and unnamed occupants of the car during the time of the accident.
Imported or non-factory fitted electrical and electronic accessories - @4% on cost of the equipment.

Bi-fuel kits - upon declaration; 4% on cost of the CNG-LPG kit.
Fuel tanks made of fiberglass - Rs.50 above own-damage premium.

What is not covered?
Contractual obligations.
Driving beyond permissible boundaries (geographically).
Usage beyond permissible limits.
Driving without a valid license.
War, nuclear hazards.
Driving while intoxicated by liquor or drugs.
Loss due to natural usage, devaluation with age, general depreciation.

sum assured
(depreciation indicated against automobile age)
5% - up to 6 months
15% - between 6 months and 1 year
20% - between 1 and 2 years
30% - between 2 and 3 years
40% - between 3 and 4 years
50% - between 4 and 5 years


No-Claim Benefits
No-Claim Benefits that the proposer is entitled to upon renewal are as follows:
20% - 1 year
25% - 2 years
35% - 3 years
45% - 4 years
50% - 5 years