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United India Car Insurance
- United India Own Damage Car Insurance
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.
Key Features of United India Standalone Own Damage Car Insurance
| 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 |
Coverage Under United India Standalone Own Damage Car Insurance
- 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
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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
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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.
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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.
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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.
Car Own Damage
Bajaj Allianz Standalone Own Damage Car Insurance
Cholamandalam Standalone Own Damage Car Insurance
Digit Standalone Own Damage Car Insurance
Future Generali Standalone Own Damage Car Insurance
HDFC Ergo Standalone Own Damage Car Insurance
ICICI Lombard Own Damage Car Insurance
IFFCO Tokio Standalone Own Damage Car Insurance
Liberty Standalone Own Damage Car Insurance
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Car insurance companies
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
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.