They will also provide compensation if these injuries lead to his death.
Personal Accident Cover for the Owner-Driver – Any bodily injuries caused to the owner-driver of the insured car while driving or while getting in/ out of the car will be compensated by the United India Car Insurance. This cover is also known as the Own-Damage cover. Loss or Damage to the Car – This policy protects the insured car from any loss or damage caused due to fire, accidents, riots, burglary, explosion, strike, terrorist acts, malicious acts, natural disasters, including earthquakes, landslide, floods, etc, or while in transit. United India Car Insurance provides coverage for the following incidents: Automobile Association Membership Discount – If the owner of the car has a membership at the Automobile Association of India, then a 5% discount on the own damage cover (up to a maximum of Rs 200) will be granted to them. They include coverage personal accident cover for unnamed people, CNG/ LPG bi-fuel kits, electrical or electronic fittings, fibreglass fuel tanks and geographical area extension. Coverage Extension – United India Car Insurance comes with certain covers that can be used to extend the coverage of the policy by paying an additional premium amount. Modified/ Specially Designed Car Discount – Under this policy, a discount of 50% on own damage cover is granted to all cars that have been modified or specially designed for the handicapped, blind or mentally challenged people. The insurer will only grant NCB if the policy is renewed within 90 days of the previous policy expiry date. This bonus or discount is granted at the time of renewal only and can be accumulated up to a maximum of 50%. No Claim Bonus – United India car insurance grants the No Claim Bonus (NCB) benefit to all policyholders who do not make any claims during their previous policy tenures. 
This discount is also applicable to own damage cover only.
Anti-Theft Device Discount – A 2.5% discount, up to a maximum of Rs 200, will be granted on the premium amount to car owners who have an approved anti-theft device installed in their cars.High Incurred Claim Ratio – In the year 2018-19, United India Motor Insurance has been identified with one of the highest incurred claim ratio or ICR of 120.79% amongst all motor insurance companies in India.However, this discount is only applicable to own damage cover. Vintage Car Discount – The insurer grants a 25% discount on premiums to all cars manufactured before 31 December 1940 and certified by the Vintage & Classic Cars Club of India.Currently, the company has over 456 network garages across the country. Cashless Repair Facility – This policy comes with the cashless repair facility if the repair work is made at one of the network garages of United India car insurance.United India Vehicle Insurance comes with the following features and benefits to its customers: Features and Benefits of United India Car Insurance
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