United India Car Insurance Premium Calculator or Estimator - Now check out United India Car Insurance Premium Calculator or Estimator for your new and used cars with multiple insurance options. Check Comprehensive United India Car Insurance Premium, Long term Car Insurance Premium and Third Party Insurance Premium at autospyders.com.

Calculate United India Car Insurance Premium

Why United India Car Insurance?

United India Car Insurance Premium Calculator or Estimator - With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. United India offers car insurance with a range of covers to choose from.

With United India's innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24x7 Roadside Assistance facility, help is just a phone call away.

Key Benefits - United India Car Insurance Calculator

Avail 24x7 call assistance and SMS updates for claims support, even on holidays

• Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
• Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
• Receive 75% on account payment facility based on requirement and when liability is above a certain limit
• Avail 24x7 Roadside Assistance with your Car Insurance policy
• Towing Facility in the event of a vehicle breakdown or an accident
• Zero Depreciation Cover can be availed as an add-on cover with Car Insurance

Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online

Coverages - United India Car Insurance Calculator

• Loss or damage to your car due to natural calamities
  Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
• Loss or damage to your car against man-made calamities
  Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
• Personal Accident Cover
  Coverage of Rs. 2 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available
• Third Party Legal Liability
  Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.

Add on Covers - United India Car Insurance Calculator

United India Car Insurance Premium Calculator or Estimator - A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.

• 24x7 Spot Assistance
  This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
  
• Lock and key replacement cover
  In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle 
  
• Accident Shield 
  Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car 
  
• Consumable Expenses 
  Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy 
  
• Conveyance benefit 
  If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a 'per day' cash benefit, as per the plan opted by the insured 
  
• Personal baggage
  The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under United India's Motor Insurance/Car Insurance policy

Claim Process - United India Car Insurance Calculator

United India Car Insurance Premium Calculator or Estimator - Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one; which is why we have minimized it into three simple steps:

Please keep the following information handy while registering a claim:

• Engine and Chassis Number
• Accident date and time
• Description and location of the accident
• Car inspection address
• Km. reading
• Police complaint, in case of theft

Please note that in case of theft, you would need to file a police complaint as soon as possible, so that when you are registering a claim with us you are able to produce the same, along with the other documents.

Send your car for repair, if applicable

Whether your car is vandalized, meets with a collision, or gets damaged by some peril, you would need to take it to the garage, if it is in a movable condition, or have it towed there to avoid any further damage.

Final step for claim settlement

United India Car Insurance Premium Calculator or Estimator - You will have to submit the copies of all the required documents to the garage/dealer who is helping you with your Vehicle Insurance claim and get them verified with the originals. Following which, we will make the payment for the repair directly to the network garage once it is ready to be sent back to you. Do note that you will have to pay the excess amount according to the norms mentioned in your policy that include depreciation amount, salvage etc. which will be informed to you by our surveyor.

Motor On The Spot (Motor OTS)

United India Car Insurance Premium Calculator or Estimator - Motor On The Spot (Motor OTS) is a mobile based motor insurance claim settlement service which empowers you to file claims upto Rs.30,000/-. You can self-inspect your car and receive the claim amount in your account in 20 minutes after filling all the necessary details through our mobile app - Insurance Wallet. If the loss is not so severe, we suggest that you avail the spot settlement of Car Insurance claims through United India Motor OTS for Car Insurance.

United India Car Insurance

United India Car Insurance Premium Calculator or Estimator - United India Insurance Co. Ltd. Is one of the leading insurance plans provider in Indian Insurance market. The various plans are not only designed to meet the maximum range of unforeseen scenarios but also have a hassle free documentation and processing system in place .The various plans offered are:

Key Features - United India Car Insurance Calculator

• Comprehensive Motor vehicle Insurance plans including private cars and Commercial vehicles excluding vehicles running on rails.
• Available for owners of the vehicle Financiers or Lessee who have insurable interest in a motor vehicle.
• Available in two variants as Package Plan and liability only plan
• Package plan consist of both personal accidental coverage and others damage to the vehicle and liabilities to the third party in event of an accident.
• A host of discounts and no claim bonus to make the United India Insurance Car Insurance Plans more rewarding.
• Extensive spread of cashless garage pan India for both the plans.
• Simple and hassle free documentation process.
• Online quotation and buying option for multiple plans
• Online Renewal in swift time.

United India Car Insurance at a Glance

Plan Benefits - United India Car Insurance Calculator

Coverage for loss or damage of vehicle or its accessories in the event of

• Fire Self ignition lightning
• Burglary house breaking or theft
• Terrorist activity
• Riot Strike and Malicious Damage
• Earthquake Flood cyclone and Inundation etc
• While in transit by rail road air elevator lift or inland waterways
• Landslide or work slide
• Loss or damage to accessories by burglary/house breaking/theft for private car and available for commercial vehicle on payment of an additional premium at 3% of the IDV of such accessories.
• Loss or damage to Lamp Tyres mudguard and / or bonnet side parts bumpers etc. are covered on payment of additional premium for commercial vehicles only.
• For vehicles damaged or disabled in the event to accidents , expenses pertaining to removal to nearest workshop
• The cost of immediate reasonable as per limit of the plan.
• Expense towards the replacement of parts in the plan is subject to deduction of depreciation value which is calculated as below

Rate of depreciation for all other parts including wooden parts will be considered under the plan as per the following schedule

Personal Accident Cover for Owner/Driver - United India Car Insurance Calculator

United India Car Insurance Premium Calculator or Estimator - The United India Car Insurance plan proffer a coverage for whole insurance term to the owner-driver of the vehicle in the events of death or body injury (as per the scale mentioned below) while travelling /mounting / dismounting the vehicle. Any such event if results in the below circumstances within 6 months of the incident happening, the scale of compensation paid in the plan shall be as mentioned in the table.

Exclusions for Car insurance package plans.

• Any expense towards the damaged caused during contractual liability is excluded under the scope of plan.
• War perils nuclear perils and drunken driving
• Consequential loss Depreciation Wear and tear mechanical or electrical break down is not considered under the purview of plan.
• Any damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs in not considered as eligible expense in the plan.
• Claims arising outside the geographical area specified in the Plans
• The plan explicitly rejects any claims arising whilst the vehicle is used in contravention of the limitations as to use
• Claims arising when the vehicle is driven by a person without valid driving license are excluded under scope the plan.

Liability Only Plan - United India Car Insurance Calculator

The Liability Only Plan - This has been deliberated to meet the requirements as per mandatory clauses of Motor Vehicles Act. This plan covers two most critical aspects of the motor vehicle’s act.

Coverage under liabilities to third party

United India Car Insurance Premium Calculator or Estimator - The liabilities to third party are covered as per Motor Vehicle Act. The plan benefit includes Liability to third parties bodily injury and or death and property damage and Personal accident cover for the owner driver for a specified sum insured

• The insured's legal liability for death / disability of third party
• Loss or damage to third party property
• Claimant's cost as decided by the court
• All costs and expenses incurred with company's written consent
• In case of death of an Insured person entitled to indemnity for a liability incurred under this Plan his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.
  • Personal accident cover: A personal accident cover is provided for individual owner driver of the vehicle insured while traveling in, mounting or dismounting from the vehicle. the cover is for death and any kind of permanent disability
  • Third party legal liability: Car Insurance Plan under its Liability Only Plan provides complete protection against legal liability arising due to accidental damages, any permanent injury/ death of a person and/or any damage caused to the property
  • Claimant's cost as decided by the court
  • All costs and expenses incurred with company's written consent
  • In case of death of an Insured person entitled to indemnity for a liability incurred under this Plan his legal representative will be indemnified in place of insured if he observed all conditions as the insured himself.

Exclusions - United India Car Insurance Calculator

• Any Contractual liability.
• War perils nuclear perils and drunken driving
• Consequential loss Depreciation Wear and tear mechanical or electrical break down
• Damage suffered due to driving the vehicle under the influence of intoxicating liquor or drugs
• Claims arising outside the geographical area specified in the Plan
• Claims arising whilst the vehicle is used in contravention of the limitations as to use
• Claims arising when the vehicle is driven by a person without valid driving license

Value Add Benefits - United India Car Insurance Calculator

Discounts

• Discounts for Vintage Cars manufactured prior to 31.12.40 and duly certified by the Vintage and Classic Cars Club of India.
• A discount of 25% on the OD rates is available. Policies issued covering these vehicles are Agreed Value Policies.
• Automobile Association Membership Discount of 5% on the Own Damage premium subject to a maximum of Rs. 200/- for private cars.
• A discount of 2.5% on the OD component of premium subject to a maximum of Rs. 200/- for installation of device approved by the ARAI Pune in vehicles certified by the Automobile Association of India.
• 50% discount on the OD premium on the vehicle specially designed / modified for use of the blind handicapped and mentally challenged persons
• For the use of vehicles within Insured's premises/sites a discount of 33 1/1 % on the tariff rates is provided.

No Claim Bonus

The insured is entitled for a No Claim Bonus (NCB) on the Own Damage section of the Plan, if no claim is made or pending during the preceding year (s), as per the following table

Additional coverage - United India Car Insurance Calculator

United India Car Insurance Premium Calculator or Estimator - Additional coverage is provided basis payment of additional premium for both the Package and Liability Only policies by charging additional premium of Rs. 500/- per vehicle in case of package Plan and Rs.100/- per vehicle in case of Liability only Plan.

• Further extension of the Geographical area to include:
• Bangladesh
• Bhutan
• Nepal
• Pakistan
• Sri Lanka
• Maldives

• Personal Accident covers are available to names and unnamed persons travelling in the Motor Vehicles including employees
• In case of vehicles belonging to Embassies / Consulates etc. where the "import duty" element is not included in the IDV the premium for Own Damage shall be loaded by 30%.
• Electrical / Electronic Fittings which do not form part of the vehicle manufactured and imported have to be specifically covered separately by paying additional premium of 4% on the value of such fittings.
• Vehicles fitted with CNG/LPG Bi-fuel kits have to be separately declared and premium is chargeable at 4% on the value of such kit.
• An additional premium of Rs.50/- for OD cover for all vehicles except Miscellaneous Type of Commercial Vehicles: for Miscellaneous Type of Commercial Vehicle it is Rs. 100/-.

General Terms and conditions - United India Car Insurance Calculator

• For Personal Accident Cover for Owner/Driver, the compensation shall be payable under only one of the events as mentioned in the table.
• The total liability of the insurer shall not in the aggregate exceed the sum of Rs. 2 lakhs during any one period of insurance.
• No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to either

a) Intentional self injury suicide

b) Attempted suicide

c) Physical defect or infirmity

d) An accident happening whilst such person is under the influence of intoxicating liquor or drugs.

• All compensation shall be payable directly to the insured or to his/her legal representatives whose receipt shall be the full discharge in respect of the injury to the insured.
• This cover is subject to

i. The owner-driver is the registered owner of the vehicle insured herein;

ii. The owner-driver is the insured named in this Plan.

iii. The owner-driver holds an effective driving license, in accordance with the provisions of Rule 3 of the Central Motor Vehicles Rules, 1989, at the time of the accident.

• Notice shall be given in writing to the Company immediately upon the occurrence of any accidental loss or damage in the event of any claim and thereafter the insured shall give all such information and assistance as the Company shall require.
• Every letter claim writ summons and/or process or copy thereof shall be forwarded to the Company immediately on receipt by the insured. Notice shall also be given in writing to the Company immediately the insured shall have knowledge of any impending prosecution, inquest or fatal inquiry in respect of any occurrence which may give rise to a claim under this Plan.
• In case of theft or criminal act which may be the subject of a claim under this Plan the insured shall give immediate notice to the police and co-operate with the Company in securing the conviction of the offender.
• No admission offer promise payment or indemnity shall be made or given by or on behalf of the insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the insured the defense or settlement .
• The Company shall not be liable to make any payment in respect of consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages, damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.
• No Claim shall be accepted for any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.
• In the event of the vehicle being disabled by reason of loss or damage covered under this Plan the Company will bear the reasonable cost of protection and removal to the nearest repairer and redelivery to the insured but not exceeding in all Rs. 1500/- in respect of any one accident.
• The insured may authorize the repair of the vehicle necessitated by damage for which the Company may be liable under this Plan provided that:

1. The estimated cost of such repair including replacements, if any, does not exceed Rs.500/- under any of the plan.
2. The Company is furnished forthwith with a detailed estimate of the cost of repairs; and
3. The insured shall give the Company every assistance to see that such repair is necessary and the charges are reasonable.