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United India Comprehensive Car Insurance
The comprehensive plan of United India General Insurance covers most of the risks relating to the insured and the car. It has properties of both types of plans, including third-party and standalone OD car insurance.
A comprehensive plan provides complete coverage for the expenses incurred due to theft, fire, man-made disasters, natural calamities, or any third-party damages. It is always advisable to buy comprehensive car insurance for financial safety and better coverage.
Features of United India Comprehensive Car Insurance
Here are the main features of the comprehensive car plan of United India Insurance Company:
- 01
Government-based Company
United India Car Insurance Company is a government-based company known for its trustworthiness and goodwill.
- 02
Cashless Garage Accessibility
Get your car repaired at any of the 3,100+ cashless garage centers. You can get your car repaired without arranging cash just by reaching out to these garages.
- 03
Natural Calamities Coverage
The United India Comprehensive Car Insurance Plan helps you to avoid financial liability arising due to flood, earthquake, and storm.
- 04
Available Add-ons
United India Comprehensive Car Insurance offers a total of 11+ add-ons. You can get extra protection with these add-ons by paying an additional premium.
- 05
Dedicated Customer Service
The active customer service provides support to its clients throughout the year without any scope for pending queries and issues!
- 06
Provides Overall Coverage
In a comprehensive car plan, you will get coverage for third-party damage along with your own car damage.
Motor Insurance Plans By United India
Available Add-ons in Comprehensive Car Insurance of United India
Add-ons provided by United India Insurance Company are necessary to get extra protection for your car. Here is the list of add-ons the company offers:Zero-DepreciationCoverage for ConsumablesReturn to InvoiceEngine CoverRoadside AssistancePersonal Belongings Cover
Claim Process for United India Comprehensive Car Insurance
To claim comprehensive car insurance, you should follow the given steps:Step 1 Inform your insurer about the damage.Step 2 Get medical assistance from the nearest hospital.Step 3 File an FIR in case of serious injury, theft, or third-party damage.Step 4 Submit the required documents along with a copy of the FIR.Step 5 United India Insurance Company will examine the damage or accident spot. Step 6 Your car will be repaired at the network garage of the insurance company.
Inclusions and Exclusions of United India Comprehensive Car Insurance
United India Car Comprehensive Insurance covers some car-related expenses and excludes some of them. Here is the proper information about inclusions and exclusions:
What it Covers
Covers Own Damage
United India Comprehensive Car Insurance covers expenses relating to the accidental damage of one's own car.
Protects Against Theft
This comprehensive plan provides coverage to the insured car against theft. If your car gets stolen, you will get the compensation amount for your car.
Covers Natural and Man-made Disasters
A Comprehensive insurance plan also covers the cost relating to natural and man-made disasters. It covers damages due to riots, earthquakes, floods, and much more.
Third-party coverage
This comprehensive plan covers third-party expenses relating to injury or death of any person and damage to property.
What Does it not Cover
Depreciation
Normal wear and tear and depreciation expenses are not covered under United India's comprehensive car insurance unless you have a zero-depreciation add-on.
Driving without a License
Any damage that happens because of driving without a license is also not covered.
Drunk Driving
If any intoxicated person has harmed their own vehicle, third-party vehicle, or person, then no loss is covered.
Other excluded expenses
Accidental damage relating to commercial cars and towing charges are not covered.
FAQs
With United India Car Insurance, you can purchase an add-on available with the comprehensive plan named Roadside Assistance. It will help you in any emergency that happens while driving on the road.
This plan provides coverage against the following damages:Own DamageTheft of the carNatural and Man-made DisastersThird-party damage
Important documents that are required at the time of filing a claim:Policy DocumentRegistration CertificateFIR CopyInvoice or Bill of repairDriving LicenseClaim Form
Network garages of insurer companies are also known as cashless garages. These garages repair the car in case of any damage and settle the repair expense directly with the insurer.