United India Commercial Vehicle Package Policy

• Cover available for loss/damage to the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• No Claim Bonus is available
• Cover for towing disabled vehicles
• Additional covers to extend protection
• Cashless claim settlement at network garages

Own Damage Cover

Loss or damage to the vehicle insured are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide. This cover is available upon opting ‘Package Policy’.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.

Towing Cover

While the insured vehicle is being used for towing a mechanically disabled vehicle, this cover provides benefits towards third party liability in respect of such towed vehicle, subject to the terms as applicable under the policy schedule.

No Claim Bonus

The insured is entitled to receive No Claim Bonus at the time of renewal as per the NCB percentage applicable, which includes 20%, 25%, 35%, 45% & 50%. It is expressed as a percentage of discount on ‘Own Damage’ premium.

Discounts

You can avail discounts in premium in case you opt for installation of anti-theft device, automobile association membership, specially designed vehicle for use of blind, handicapped & mentally challenged persons.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Additional Legal Liabilities: Additional legal liabilities towards Paid driver employed for operation of vehicle and other employees travelling in/driving the vehicle other than paid driver is covered.
• Personal Accident Cover: Additional personal accident cover is available for named or unnamed passengers, as stated in the policy schedule.
• Bi-fuel Kit: The CNG-LPG bi-fuel kit can also be covered upon opting the add-on cover.
• Add-on cover for Fibre Glass Fuel Tanks, Extension of Geographical Area and Electrical / Electronic Fittings can also be opted, under this policy.

Following are the conditions that are not covered under this policy:

• Accidental loss/damage incurred outside the specified geographical area
• Claim arising out of any contractual liability
• Vehicle being used otherwise than in accordance with the Limitations specified
• Mechanical/Electrical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• War, invasion, act of foreign enemy, etc.