United India Private Car Package Policy

• Protection from loss or damage to your car
• Cover for third party liability
• Personal accident cover for owner cum driver
• No Claim Bonus is applicable
• Premium discounts are applicable
• Riders to enhance the policy coverage
• Enjoy hassle free claims settlement
• Avail cashless claims at network garages

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

No Claim Bonus (NCB) of 20%, 25%, 35%, 45% & 50% is applicable, in case of a claim-free policy year. The NCB benefit may vary depending on the type of vehicle and the number of no-claim policy years.

Discounts

You can avail discounts in premium in case you opt for installation of anti-theft device, automobile association membership, specially designed vehicle for use of blind, handicapped & mentally challenged persons. The discount on own damage premium is also available on vintage cars.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Additional Legal Liabilities: Additional legal liabilities towards Paid driver employed for operation of vehicle and other employees travelling in/driving the vehicle other than paid driver is covered.
• Personal Accident Cover: Additional personal accident cover is available for named or unnamed passengers, as stated in the policy schedule.
• Bi-fuel Kit: The CNG-LPG bi-fuel kit can also be covered upon opting the add-on cover.
• Add-on cover for Fibre Glass Fuel Tanks, Extension of Geographical Area and Electrical / Electronic Fittings can also be opted, under this policy.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.