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According to the nation's legislation, car insurance is mandatory in India for everyone who owns a car and drives it on the road. In addition to the rules and regulations, purchasing insurance coverage is a wise significant step towards protecting yourself from the costs that may occur if you encounter an accident while driving. Every car owner must have third-party car insurance coverage to escape from both the expenses and the administration's legal actions.
For those who feel third-party insurance is not alone sufficient to cover their expenses, they should consider investing in a United India standalone car insurance policy to protect their vehicle against damage and loss. Both policies can be bought from different insurance companies. To put it another way, even if you have third-party insurance from another insurer, you are still eligible to acquire a standalone car insurance policy from United India. Before choosing your policy and insurance provider, carefully study the included exclusions, features, and other terms and conditions about car insurance.
Basis | Standalone Insurance | Third Party Insurance | Comprehensive Insurance |
Definition | Only the insured car is covered under the standalone insurance coverage. | Only damages to a third-party person, vehicle or property are covered. | Like an umbrella of policies, comprehensive car insurance covers both third-party and own-damage liability. |
Benefits | Multiple add-ons can be included. | No add-ons can be included. | Multiple add-ons can be included. |
Coverage | Protects you against natural calamities as well as damage caused due to human actions. | Protects you from traffic fines and third-party liability costs. | Covers losses caused to third parties and your own vehicle |
Premium amount | The cost of standalone own-damage car insurance is hefty at first, but it gradually drops as the vehicle ages. | The insurance premium is quite low because it only covers third-party. | This insurance policy has a high cost due to its wider coverage. |
Necessity | Optional to buy. | Mandatory to buy. | Optional to buy. |
Accident Loss to Your Car
It covers the entire cost of repairs to your car if you meet a severe accident or even a collision.
Loss Due to Theft
Theft is unpredicted, so united India provides compensation in such an unfortunate event that your car is stolen.
Loss Caused Due to Fire
If there is a fire and your car is damaged because of the fire, standalone car insurance will cover the whole damage.
Damages Due to Natural/Man-made Calamities
Nobody can control nature's numerous wraths, but United India will be your one-stop shop for damage repair if your car is damaged due to earthquakes, cyclones, tsunami, riots, strikes, terror atatcks, etc.
There are a few situations to be aware of that are not covered under this policy, regardless of whatever insurance policy you choose or how much protection your standalone insurance provider gives.
Competitive Charges
United India car insurance offers affordable premiums that are competitively priced, corresponding to the specific needs of the insurance holders.
Quick Turnaround
Customers enjoy a quick response time on claim settlements, ensuring high customer satisfaction with many additional perks.
24*7 Support
United India offers support service round the clock via call, email, and chat support to assist the customers with the best service.
Timely Discount and Schemes
United India allows the customers to enjoy timely discounts from NCBs, anti theft devices installation, voluntary deductibles, etc.
Yes, you can buy both the policies from United India.
Anybody can buy a standalone car insurance policy from United India if he already owns third-party insurance.
Yes, a standalone car Insurance policy is affordable compared to a comprehensive car insurance policy.
Yes, a standalone car Insurance policy is designed to cover all your expenses regarding the personal accident damages.
Yes, you can buy this policy and even pay the premium safely online.