United India Own Damage Car Insurance
United India offers coverage for your car under standalone OD car insurance. It not only covers accidental damages but also costs Read More
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Features of Standalone OD Car Insurance
Some of the main features of OD car insurance are as follows:
- 01
No Legal Requirement
Unlike third-party insurance, this insurance type is not compulsory. Hence, you can buy a standalone OD from United India as per your needs and convenience. However, it is always advisable to have OD car insurance to avoid a financial burden in the future.
- 02
No Claim Bonus
You can also get NCB under OD car insurance with United India Insurance Company. It helps you to get a discount for every claim-free policy year.
- 03
Extra Coverage
With add-ons available in United India, you can get extra coverage for yourself and your car. Roadside assistance, zero depreciation, and return to Invoice are some of them.
- 04
Financial Assistance
In case of damage to your car, standalone OD car insurance provides financial support after the claim is made by the insured. You can reach out to a cashless garage for repair purposes, which gets settled directly by the insurance company.
- 05
Own Car Coverage
You get financial coverage against the damage caused to your car in OD insurance, unlike third-party insurance.
- 06
Customise IDV for your vehicle
You can also decide your IDV (Insured Declared Value) by determining the payment of the premium amount. It is the amount that insurers pay once your car gets fully repaired.
Add-ons Available in Standalone OD Car Policy
Some of the major car add-ons available with United India are as follows:- Zero Depreciation
- Return to Invoice
- Engine Protection Cover
- NCB Benefit
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Inclusions and Exclusions of United India Standalone OD Car Insurance
United India standalone OD Car Insurance covers some car-related expenses and excludes some of them. Here is the proper information about inclusions and exclusions:
What it Covers
Man-made Disasters
Man-made disasters such as riots, vandalism, fire, or explosions are covered.
Natural Calamities
Any damage due to floods, earthquakes, storms, or landslides is covered in a standalone policy.
Damage in Transit
United India car insurance covers damage that at the time during the transportation of a car from one place to another.
Fire
It also covers damage expenses caused due to fire.
Theft
If your car gets stolen, you will get coverage under this policy.
What Does it not Cover
Third-Party Liability
Your third-party liability is not covered in standalone OD car insurance.
Drunk Driving
You do not get coverage for any of the damage that happened due to intoxicated driving.
Illegal Driving
If you meet with an accident without a license, United India will not be responsible for covering the damage expenses.
Depreciated Value
General wear and tear is not covered.
Difference Between United India Third-Party, Comprehensive, and Standalone OD
The table given below explains the difference between all three insurance plan types:| Basis | Third-party | Comprehensive | Standalone |
|---|---|---|---|
| Third-party liability | Covered | Covered | Not covered |
| Legal requirement | Mandatory under the law | Not compulsory | Not compulsory |
| Cost involved | It is less costly. | High cost is involved | Moderate cost. |
| Coverage offered | Covers damage to the third party | Covers both your own car and third parties. | Provide coverage for your own car. |
| Coverage for theft, fire, and natural disasters | Not covered | Covered | Covered |
| Suitability | Fulfill legal requirements | Additional protection and security | New and expensive cars |
Disclaimer: Please refer to your policy documents to know the exact coverage.
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