What does an United car insurance policy cover?

There is a plethora of car insurance plans available by a number of car insurance companies in India. United India Insurance Company is one of the leading car insurance companies in India. If you regularly drive a car on Indian roads, you should consider a car insurance plan from United India Insurance Company Limited. United car insurance plans offer both third party liability and comprehensive coverage. Let's start with the liability coverage of United Insurance motor policy.

Coverage of third party liability car insurance plans offered by United India Insurance Company

Like all car insurance plans available in India, car insurance policies by United India Insurance Company cover financial liabilities of policyholders to third parties in case of a mishap where your own insured vehicle is involved. United motor insurance plans pay out financial compensation in case of third party death and accidental physical injuries. United motor insurance plans also provide financial compensation in case of third party property damage up to the maximum limit of Rs.7.5 Lakhs. A car insurance plan with liability coverage is essential in India, so you have to go for a Untied car insurance plan with this type of coverage.

Comprehensive coverage of car insurance plans offered by United India Insurance Company

A car insurance plan with comprehensive coverage is optional in India. Still most car-owners in India go for it to keep their insured vehicle safe and secured. A comprehensive United motor insurance plan not only takes care of liabilities of the insured to third parties but also safeguard the insured vehicle of policyholders from theft and damages due to a wide range of natural and man-made disasters. An United Insurance motor policy with comprehensive coverage shields the insured vehicle from natural calamities like storm, lightning, earthquake and man-made disasters like riot, strike, house-breaking and the likes.

An United India motor policy with comprehensive coverage, also provide personal accident coverage to owner-driver of the insured vehicle. The amount of personal accident coverage of United Insurance motor policy depends on the severity of the accident and injury. In case of total loss of vision, death, loss of two limbs, loss of vision in one eye and one limb and Permanent Total Dismemberment, the United motor insurance plan provides 100% coverage. In case of loss of vision in only one eye or only one limb, United India Insurance online car policies pay out 50% compensation.

How to renew United car insurance policies?

To make the most of the wide coverage offered by United motor insurance policy, you need to renew United car insurance on regular basis. By getting the United car insurance renewal process done before its expiry, you can also enjoy all the accumulated benefits. The United car insurance renewal process is very simple if you go online to renew United car insurance plans.  You have to visit the portal of United India Insurance Company and  mention your United motor insurance policy number and make the payment online. When your new United car insurance plan is issued, you are done with your United car insurance renewal procedure.

How to reduce premium of your United India motor policy?

Car insurance plans on offer at United India Insurance Company not only offers regular coverage that all car insurance policies in India provides. United motor insurance plans come with extended coverage that you can opt for on your United car insurance renewal. However, whether you go for optional coverage offered by United car insurance or you are happy with the regular coverage provided by United Insurance motor policy, you have to pay a certain amount of premium at the time of purchasing United India Insurance online car insurance plan and also at the time of your United car insurance renewal. Since car insurance is legally mandated in India, you have to renew United car insurance before it expires and pay premium on regular basis.

Although, you cannot abstain from paying premium on your United car insurance plan, you can certainly save on premium of your United motor insurance policy. United India Insurance Company Limited offers several different types of discounts in its car insurance offerings. You can avail those discounts to reduce your United India Insurance online car insurance premium outgo. Discounts offered by United India Insurance Company are highly beneficial especially if you opt for extended coverage and pay additional premium on your United car insurance renewal. Let's take a look at the major discounts available with car insurance plans provided by United Insurance Company.

NCB is one of the most common and beneficial discount that United Insurance Company offers in its car insurance offerings. If you don't make any claim on your United motor insurance plan ina year, you are entitled to NCB or No Claim Bonus. You can accumulate as much as 50% NCB by not making claims on your United India Insurance car insurance plans for 5 consecutive years. You can make use of this NCB as a discount of your United Insurance motor policy. However, you have to renew United car insurance within 90 days before expiry to keep your NCB discount in tact.

If you install security devices in your insured vehicle, United India Insurance Company would consider your vehicle as less risky and provide discount. You can avail 2.5% discount on your United car insurance premium or Rs. 200  by incorporating ARAI approved anti-theft devices in your insured vehicle.

United India Insurance Company also provide discount on car insurance premium for being member of recognized car associations. United India Insurance online car insurance plans offer 5% discount to those car-owners who install the same.

Cars that are designed for mentally and physically challenged people also qualify for a whopping 50% discount that can be used to reduce the premium of car insurance policies. United India Insurance Company Limited also offers discount  on car insurance premium for using the insured car in the premise of the policyholders' only. You can get 33% discount on tariff rates of your car insurance plan for insuring such special vehicles.