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United India Standalone Own-Damage Car Insurance Policy

Standalone Own-Damage Policy is designed to protect you against expenses incurred due to damages or losses caused due to accidents, fire, theft, natural disaster, etc. It is an optional cover unlike the basic insurance policy i.e., third-party policy. It is necessary to give your car holistic coverage when included with the compulsory purchase of the third-party liability policy.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


United India Third Party Insurance

United India Standalone Own-Damage

United India Comprehensive Insurance


United India third party car insurance compensates you for financial liabilities that you hold towards a third party for their injuries, death and property damage with your car.

United India standalone own-damage car insurance tends to provide you coverage for own-damage expenses arising in situations like accidents, theft, fire, natural and man-made disasters, etc. Also, it gives an NCB benefit to policyholders for every claim-free year.

United India comprehensive car insurance covers the third party liability expenses along with the own-damage expenses. This policy also offers an optional personal accident cover and add-on covers.


United India third party car insurance does not offer any add-on cover.

United India standalone own-damage car insurance offers a range of add-on covers.

United India comprehensive car insurance plans give an extensive range of add-on covers.


United India’s third party insurance can be bought at the lowest price.

United India’s third party insurance is expensive due to its enhanced coverage.

United India’s comprehensive car insurance policy is the costliest policy due to its overall protection including third party and own-damage coverage.

What is Covered Under United India Standalone Own-Damage Policy?

United India standalone own-damage policy gives coverage under the following situations:

  • Damage incurred due to accidents
  • Damage due to total loss or car theft.
  • Damage caused during the transportation.
  • Damage sustained due to natural or man-made disasters.

What is Not Covered Under United India Standalone Own-Damage Policy?

United India standalone own-damage policy does not cover the following situations:

  • The depreciated value of the car.
  • Accidents happen outside the geographical range.
  • Mishaps caused due to illegal driving in any manner.
  • Car breakdown due to electrical or mechanical failures.

Benefits of United India Standalone Own-Damage Policy

The standalone own-damage car insurance offered by United India holds several benefits like:

  • Financial compensation to cover damages to your car.
  • Availability of No Claim Bonus to spend a claim-free year.
  • Add-on covers are provided to enhance the policy coverage.

How To Purchase United India Standalone Own-Damage Policy?

You can buy the standalone own-damage policy of United India with the following steps:

Step 1: Visit InsuranceDekho and select the ‘Car’ tab.

Step 2: Enter your car’s registration number. Alternatively, you can enter details such as make, model and variant of your car, etc., if you do not have its registration number.

Step 3: Enter your personal details like name and phone number and select the ‘Submit and Get Quotes’.

Step 4: Several own-damage policy quotes provided by different insurers will be shown. You can select the United India policy quote. You can also select add-on covers at this step, in case you want.

Step 5: Pay for the United India policy. Once the payment is done, the policy document shall be sent to your registered email ID.

Must Read Articles before buying United India Car Insurance

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.