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United India Liability Policy
United India Liability Policy

National Liability Policy
National Liability Policy



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United India Liability Policy
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National Liability Policy

United India and National Liability Insurance

1 Details
1.1 Incurred Claims Ratio
1.1.1 Incurred Claims ratio
Magma HDI Two W..
73.96 %
Rank: 16 (Overall)
69.35 %
Rank: 17 (Overall)
National Liability Policy
1.1.2 Incurred Claims Ratio (2013-14)
Magma HDI Two W..
73.96 %
Rank: 16 (Overall)
69.35 %
Rank: 17 (Overall)
National Liability Policy
1.2 Policy Status
In-Force
In-Force
1.3 Online
1.3.1 Buy
All Liability Policy Two Wheeler Insurance have it !
All Liability Policy Two Wheeler Insurance have it !
1.3.2 Renew
All Liability Policy Two Wheeler Insurance have it !
All Liability Policy Two Wheeler Insurance have it !
1.4 Type of Plan
Third Party Liability Policy
Third Party Liability Policy
1.5 Depreciation For Fixing IDV
1.5.1 Less Than 6 Months
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
1.5.2 6 Months to 1 Year
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
1.5.3 1 Year to 2 Years
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
1.5.4 2 Years to 3 Years
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
1.5.5 3 Years to 4 Years
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
1.5.6 4 Years to 5 Years
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
2 Covers
2.1 Personal Accident Cover
All Liability Policy Two Wheeler Insurance have it !
All Liability Policy Two Wheeler Insurance have it !
2.2 Death
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.2.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.3 Loss Of 2 Limbs
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.3.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.4 Loss Of Sight Of Both Eyes
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.4.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
₹ 100
Rank: 2 (Overall)
Bajaj Allianz Two Wheeler Insurance
ADD ⊕
2.5 Loss Of 1 Limb and Sight Of 1 Eye
Shriram General..
100 %
Rank: 1 (Overall)
50 %
Rank: 2 (Overall)
National Liability Policy
ADD ⊕
2.5.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.6 Loss Of 1 Limb
HDFC Ergo Two W..
50 %
Rank: 2 (Overall)
50 %
Rank: 2 (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.6.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.7 Loss Of Sight of 1 Eye
HDFC Ergo Two W..
50 %
Rank: 2 (Overall)
50 %
Rank: 2 (Overall)
Shriram General Two Wheeler Insurance
ADD ⊕
2.7.1 Sum Insured
Reliance Genera..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.8 Permanent Total Disablement
Shriram General..
100 %
Rank: 1 (Overall)
100 %
Rank: 1 (Overall)
Shriram General Two Wheeler Insurance
2.8.1 Sum Insured
Bharati AXA Two..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Reliance General Two Wheeler Insurance
2.9 Total Liability of Insurer
Bajaj Allianz T..
₹ 100000
Rank: 1 (Overall)
₹ 100000
Rank: 1 (Overall)
Bajaj Allianz Two Wheeler Insurance
2.10 Third Party Liability
All Liability Policy Two Wheeler Insurance have it !
All Liability Policy Two Wheeler Insurance have it !
3 Claims
3.1 24 x 7 Claim Support
3.1.1 Contact Number
180042533333
Not Applicable
3.1.2 Track Online
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
3.2 Cashless Garages
50% Liability Policy Two Wheeler Insurance have it !
50% Liability Policy Two Wheeler Insurance have it !
3.3 Garage Cash
50% Liability Policy Two Wheeler Insurance have it !
50% Liability Policy Two Wheeler Insurance have it !
3.4 Claim Settlement Duration
Magma HDI Two W..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bharati AXA Two Wheeler Insurance
ADD ⊕
3.5 Documents Required
3.5.1 Theft Claims
Not Applicable
Not Applicable
3.5.2 Third Party Claims
Claim Form dully signed, Copy of Driving License, Police Panchnama/ FIR, Policy/ Cover copy, RC Copy of the Vehicle
Not Applicable
3.5.3 Accidental Claims
Not Applicable
Not Applicable
4 Discounts
4.1 No Claim Bonus
75% Liability Policy Two Wheeler Insurance have it !
75% Liability Policy Two Wheeler Insurance have it !
4.1.1 1 Claim Free Year
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.2 2 Claim Free Year
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.3 3 Claim Free Year
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.4 4 Claim Free Year
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
4.1.5 5 Claim Free Year
Bajaj Allianz T..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Bajaj Allianz Two Wheeler Insurance
4.2 Automobile Association's Member
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
4.3 ARAI Anti Theft Device
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
4.4 Blind / Handicapped Persons
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
4.5 Voluntary Discount
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
5 Terms
5.1 Depreciation
5.1.1 Rubber/ Nylon/ Plastic Parts/ Tyres and Tubes/ Batteries
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
5.1.2 Fiber Glass Components
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
5.1.3 Glass Components
Shriram General..
Not Available
Rank: N/A (Overall)
Not Available
Rank: N/A (Overall)
Shriram General Two Wheeler Insurance
5.2 Inclusions
5.2.1 Natural
Not Applicable
Not Applicable
5.2.2 Man-Made
Not Applicable
Not Applicable
5.3 Deductibles
5.3.1 Voluntary
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !
5.3.2 Compulsory
No Liability Policy Two Wheeler Insurance has it !
No Liability Policy Two Wheeler Insurance has it !

Details of United India and National Liability Insurance

While buying an insurance plan, one should check the incurred claims ratio of the insurance provider. Incurred claims ratio is a ratio of money spent on settling claims to money earned through premiums. This ratio for United India Liability Policy is 73.96 % where as for National Liability Policy, it is 69.35 %. This ratio if published by IRDA every year the ones mentioned above are for the year 2014-2015. If you can buy or renew these policies online is mentioned in details of United India and National Liability Insurance. Only an "In-force" policy can be bought at the present time. Polices that are withdrawn by the insurer cannot be bought at the present time.

Covers and Claims

Multiple covers are provided by different insurance providers. These covers can be inbuilt in the policy or they can be provided by the insurer as additional or optional covers. United India and National Liability Insurance Covers may include personal accident cover, third party liability cover, cover against death due to an accident, cover against disability due to an accident, etc. Usually, a maximum sum that can be provided by insurer against personal accident claim is fixed. Personal accident cover is provided by United India Liability Policy. Third party liability cover is provided by National Liability Policy.

Claims Process

Claim process of each insurance provider is specified in the brochure of the insurance plan. All insurers provide 24 x 7 claim support. Also documents required for claims differ based on the types of claims. Theft claims and Third Party claims usually require an FIR or police report. While Accidental claims usually require a copy of driving license, a copy of RC book, etc. Information about covers and claims for these insurance plans in provided in the policy brochure or policy wordings.

Discounts Provided by United India and National Liability Insurance

Discounts provided by United India and National Liability Insurance may include discount for automobile association members, for ARAI Anti theft device fitted to the vehicle, etc. No Claim Bonus is also usually provided by all insurance companies. Discount for members of automobile association is not provided by United India Liability Policy. Voluntary discount may also be availed by the policy holders and get reduced premium rates. Voluntary Discount is not offered by National Liability Policy.

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