United India householders insurance policy Introduction
United India Insurance company provides insurance policy to householders. This United India Insurance householders policy provides various cover options for householders such as Personal accidents, Building, Household articles, Jewellery and valuables etc. Under this United India Insurance householders policy, the policyholder can choose benefits of minimum 4 or more. Under this United India Insurance householders policy Personal Accident cover is available for Policyholder’s spouse and children.
Benefits of United India householders insurance policy
- This policy provides 10 cover options
- The policyholder can choose minimum of 4 cover option sections
- If more than 4 options chosen by policyholder, the company provides discounts on premiums.
- This United India Insurance householders policy provides the Policy period of one year.
- Personal Accident: If unfortunate death of policyholder due to accident then the nominee will receive Full sum assured.
- If any loss of eyes or two limbs or total permanent disablement then the nominee will receive full sum assured.
- If any loss of hand or foot or eye or use of hand then 50% of sum assured will be received by the nominee under this United India Insurance householders policy.
United India householders insurance policy various Cover Options
Various cover options can be insured by policyholder are listed below
- Household furniture
- Building and Compound walls
- Pedal cycle
- Personal Accident
- Jewellery and valuables
- Plate Glass
- Electronic equipments like TV, VCR, Computer etc
- Baggage
- WC liability
- Domestic appliances
- Third Party Liability
United India householders insurance policy Claim Procedure
- The Policyholder should submit all documents required to establish the cause and extent of loss.
- The Policyholder should submit claim form proof of repair bills and if any FIR required.
- Render co-operation to the surveyor and all assistance.
Documents required for United India householders insurance policy are attached below
United india insurance householders policy burglary insurance claim form
United India householders insurance policy Proposal Form
Required documents to be submitted under this United India householders insurance policy are attached below.
United india burglary insurance proposal form
United India householders insurance policy Sum Assured Conditions
Maximum Sum assured for different cover options are listed below
- For Building and Compound wall maximum sum assured is Rs. 100,00,000
- For Plate Glass the maximum sum assured is Rs. 10 lakhs
- For TV or DVD or Computers maximum sum assured is Rs. 25 lakhs
- For Pedal Cycle the maximum sum assured is Rs. 20000
- For baggage the maximum sum assured is Rs. 10000
- For Home appliances the maximum sum assured is Rs. 100,00,000
- For Valuables the maximum sum assured is Rs. 100,00,000
- For Liability the maximum sum assured is Rs. 25000
- For Liability for WC the maximum sum assured is Rs. 10000
Exclusions of United India householders insurance policy
- If the Articles other than furniture exceeds 5% of the Sum Insured then it should be declared with value separately.
- Under this United India Insurance householders policy the Loss or damage by Burglary or Housebreaking where employee of the insured or member of insureds family is concerned principal or accessory.
- If any damage due to cracking scratching of glass lens are not included under this United India Insurance householders policy.
- If any damage due to over running excessing pressure mechanical derangement or over-winding of watches are excluded under this United India Insurance householders policy.
- If car or anything from car are stolen by thief because of not locking properly then these type of situations are excluded under this United India Insurance householders policy.
- Manufacturing defect is also excluded under this policy
- During removal alterations if any damages or breakages occur then this type of reasons are not considered under this policy.
- During Installation if any losses occur then these type of reasons are not included under this United India Insurance householders policy.
- Under this policy Nuclear perils and wars are excluded.
- On account of theft if any loss of valuables from unattended vehicles then this type of situations are excluded.
- Manufacturer of supplier is responsible while repairing on dismantling of TV.
- Accident or liability or damage or loss when cycle is used for hire or reward.
Additional Information of United India householders insurance policy
Policy renewal: If Policyholder is interested in continuing the policy then the policy can be renewed on or before expiry date at any branch of United India.
Third Party Liability: If any damage occurs due to third party property or any injury to third party then policyholder can be insured under this United India householders insurance policy.
United India householders insurance policy Customer Care
If any doubts regarding this United India Insurance householders policy then you can contact or approach customer care by following information given below.
Call center number: 91-044-28520161
Email.id: customercare@uiic.co.in
Contact address:
United India Insurance Co.Ltd,
24, whites road,
Chennai-600014.
FAQ’s United India householders insurance policy
What are the exceptions covered under this policy?
- War like perils are not paid under this United India insurance home policy.
- If any wear and tear and any consequential losses occur, in such cases the policy should not pay.
- If any other violations of policy conditions then in such situations policy is not ready to pay.
- Nuclear group of perils are also excluded under this policy.
- Influence of drug or self injuries are also excluded under this policy.
What are the Personal Accident benefits covered under this policy?
- Under this policy some specified percentages of sum insured are available for policyholder if the policyholder situation is in permanent disablement.
- If the policyholder is in total temporary disability condition, then weekly benefits are provided to policyholder maximum of Rs.3000 upto 100 weeks.
What is maximum sum assured for jewellery and valuables cover option?
Under this United India householders insurance policy a maximum of Rs. 100,00,000 sum assured is available.
United India householders insurance policy Forms and Documents
United India insurance Householders policy Television Insurance Proposal Form