United India Fire Insurance

Types of Fire Insurance Plans by United India Insurance Company Limited

United India Insurance Company Limited offers the following fire insurance plans:

• Bharat Griha Raksha Policy
• Fire Floated Policy
• Fire Floater Declaration Policy
• Fire Loss of Profit Policy
• Standard Fire and Special Perils Policy
• Fire Declaration Policy

United India Fire Insurance: Inclusions

Here is the basic coverage provided under United India Fire Insurance policy:

• Building and content damage covered
• Temporary accommodation expenses covered
• Explosion or implosion damage covered
• Lightning damage covered
• Natural calamities covered (earthquake, cyclone, flood, etc.)
• Bush/forest fire damage covered
• Compensation for fire brigade payment
• External impact damage covered (vehicles, animals, aircraft, etc.)
• Riots, strikes, and malicious damages covered
• Terrorism act covered as per policy
• Water tank/Pipe bursting and sprinkler leakage covered
• Theft compensation provided within 7 days

United India Fire Insurance: Exclusions

Here are the basic exclusions under United India Fire Insurance Policy:

• Intentional or negligent damage not covered
• Public authority-ordered burning not covered
• Boilers or economisers damage not covered
• Steam machine or apparatus damage not covered
• Damage from insured-owned vehicle, animal, or aircraft not covered
• Work interruption or cessation not covered
• Terrorism clause exclusions apply
• Office location repair/alteration cost not covered

United India Fire Insurance: Claim Process

Follow the steps given below to raise the claim under this insurance policy:

• Step 1: Inform insurer of fire accident
• Step 2: Request and fill out claim form
• Step 3: Create detailed account of damaged properties and estimated cost
• Step 4: Insurer sends inspector to inspect premises
• Step 5: Cooperate with inspector and provide information
• Step 6: Insurer settles claim based on inspector's report within specified time in policy documents

United India Fire Insurance: Documents Required

Here are the following documents that you will have to submit along with the claim form while raising a claim:

• Fire Brigade report
• PAN Card
• Aadhar Card
• Record of previous claims (if any)
• Address proof of loss location
• Electricity Bill
• GST Registration Certificate
• Copy of final investigation report

United India Fire Insurance: FAQs