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United India Standalone Own Damage Car Insurance

By purchasing a United India Standalone Own Damage car insurance, a policyholder can get compensated for damages sustained by the insured car due to collisions, calamities, accidents, fire, etc. If you already have a third-party insurance and wish to extend coverage to your car, opting for this plan by United India Insurance Company will be the best option.

Categories	Key Features
Own Damage Cover	Offered
Mandatory	No
No Claim Bonus	Yes
Add-on Covers	Yes
Zero Depreciation cover	Offered
PA Cover	Upto Rs.15 lakh

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Coverage Under United India Standalone Own Damage Car Insurance

Inclusions
Exclusions

The cost of repairs is covered if the insured car meets with a road accident or collision
Claims can be raised for damage arising out of fire, self-ignition or explosion of the insured four-wheeler
Damages sustained by the insured car due to cyclones, hurricanes, typhoons or any other natural calamity
Accidental damages arising as a result of any malicious activity are also covered under OD policy coverage
Claims can also be raised for damages sustained by the insured vehicle while in transit.

No coverage for third-party liabilities such as death, injury or property damage
Accidental damages sustained by the insured car when the driver was under the influence of alcohol
Claims cannot be raised for any consequential damages caused to the insured vehicle
Damages to the insured car, when the driver was not carrying a valid driving license, are also not covered under the four-wheeler insurance policy
Depreciation or general wear and tear sustained by the insured car

Add-ons Under United India Standalone Own Damage Car Insurance

The coverage offered by a United own damage car insurance policy can be enhanced by purchasing additional covers offered under the plan at an extra cost. These add-ons are:

Nil Depreciation
Return to Invoice Cover
Loss of Personal Belongings
Engine Protection Cover
NCB Protect Cover

How to Buy United India Standalone Own Damage Car Insurance Policy?

Follow the steps mentioned below to purchase United car insurance online from Policybazaar.com:

Select the “Car Insurance” tab from the website’s homepage
Enter the car number on the given form
Select your car details, such as RTO, make, model, variant and registration year
Once all the details are selected, move forward with choosing a plan
From the given own damage plans, choose United India own damage motor insurance plan
Select add-ons that you wish to add to your plan
Once you are satisfied with your plan and add-ons, select it and
Proceed with premium payment using online payment modes
After successful payment, your United OD car policy documents will be mailed to you

Documents Required to Raise United India Standalone Own Damage Claim

To successfully raise a United India own damage car insurance claim, make sure to carry these documents with you.

OD car insurance papers
Bills of repair and estimates of repair
Registration Certificate of the insured car
Copy of valid driving license
Copy of Police FIR
KYC verification
Car insurance claim form

FAQs

Q1. How can I reduce United India own damage car insurance price?
Ans: Follow these tips to reduce the premium of United India own damage car insurance plan:
- Install an ARAI-approved anti-theft device in your vehicle
- Avoid unnecessary modifications to your car
- Choose add-ons wisely
- Opt for voluntary deductibles
Q2. How do I check the status of my United own damage insurance claim?

Ans: If you have purchased a United India own damage plan from Policybazaar.com, you can check your policy claim status from your account's dashboard. Simply sign in to your account and check your policy status from their itself.

If you purchased the policy from the insurance provider, you can contact their customer support to know the status of your damage claim.
Q3. Is NCB discount offered under United own damage plan?

Ans: Yes, an NCB reward is offered with United India own damage car insurance plan. This NCB discount can go from 20% to up to 50% if accumulated for 5 consecutive claim-free years.
Q4. Is having an own damage car insurance compulsory in India?

Ans: No. As per the Indian Motor Vehicles Act, 1988, purchasing an own damage car insurance policy in India is not mandatory. However, this plan is recommended to cover the insured car from unforeseen damages if you already have a mandatory third party cover.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in