IRDAI product register · general insurance
United India Insurance Company Policy Wordings
IRDAI's non-life product register lists 9 United India Insurance products and 46 add-ons, approved 2018 to 2021. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Motor
Motor (9)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN545RP0013V01201819 | 28 Dec 2018 | Wording |
| Liability Policy-Private Car-3 Years | IRDAN545RP0008V01201819 | 30 Aug 2018 | Wording |
| Liability Policy-Two Wheeler-5 Years | IRDAN545RP0007V01201819 | 30 Aug 2018 | Wording |
| Long Term Package Policy-Private Cars-3 Years | IRDAN545RP0010V01201819 | 30 Aug 2018 | Wording |
| Long Term Package Policy-Two Wheeler-5Years | IRDAN545RP0009V01201819 | 30 Aug 2018 | Wording |
Nil Depreciation without Excess add on for Standalone Motor OD (Private Car)11 add-ons
| IRDAN545RP0001V01201920/A0003V01201920 | 29 Sep 2019 | Wording |
Private Car-1 Year Own Damage Cover Bundled with 3 Years Liability Cover5 add-ons
| IRDAN545RP0012V01201819 | 30 Aug 2018 | Wording |
Standalone Motor OD (Private Car)11 add-ons
| IRDAN545RP0001V01201920 | 29 Sep 2019 | Wording |
| Two Wheeler-1 Year Own Damage Cover Bundled with 5 Years Liability Cover | IRDAN545RP0011V01201819 | 30 Aug 2018 | Wording |
Add-ons filed on their own (27)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Consumables - Miscellaneous type of | IRDAN545RP0049V01199900/A0018V01201920 | 31 Dec 2019 | Wording |
| Consumables - Package Policy | IRDAN545RP0222V01200708/A0019V01201920 | 31 Dec 2019 | Wording |
| Consumables - Package Policy-Commercial Vehicle | IRDAN545RP0048V01199900/A0021V01201920 | 31 Dec 2019 | Wording |
| Consumables - Private car package policy | IRDAN545RP0047V01199900/A0038V01201920 | 31 Dec 2019 | Wording |
| Consumables- Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0030V01201920 | 31 Dec 2019 | Wording |
| Engine & Gear Box Protection Cover- Platinum add on for Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0013V01201920 | 29 Sep 2019 | Wording |
| Engine & Gear Box Protection Cover- Standard add on for Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0012V01201920 | 29 Sep 2019 | Wording |
| Engine & Gear Box Protection Platinum Add on Cover for Private Car | IRDAN545A0005V01201819 | 6 Jun 2018 | Wording |
| Engine & Gear Box Protection Platinum Add on Cover for Two Wheeler | IRDAN545A0004V01201819 | 6 Jun 2018 | Wording |
| Engine & Gearbox Protection Standard Add On cover for Passenger carrying commercial vehicles | IRDAN545A0003V01201819 | 24 May 2018 | Wording |
| Engine & Gearbox Protection Standard Add On Cover for Private Car | IRDAN545A0002V01201819 | 24 May 2018 | Wording |
| Engine & Gearbox Protection Standard Add On Cover for Two Wheeler | IRDAN545A0001V01201819 | 24 May 2018 | Wording |
| Loss of Key - Package Policy | IRDAN545RP0222V01200708/A0020V01201920 | 31 Dec 2019 | Wording |
| Loss of Key-Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0031V01201920 | 31 Dec 2019 | Wording |
| Loss of Keys-Package Policy-Commercial Vehicle | IRDAN545RP0048V01199900/A0022V01201920 | 2 Dec 2019 | Wording |
| Loss of Keys-Private car package policy | IRDAN545RP0047V01199900/A0039V01201920 | 31 Dec 2019 | Wording |
| Nil Depreciation without Excess add on for Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0010V01201920 | 29 Sep 2019 | Wording |
| Passenger Carrying Commercial Vehicles-Carrying Capacity not exceeding 18 Passengers | IRDAN545A0006V01201819 | 6 Jun 2018 | Wording |
| Platinum PA for Occupants-Private car package policy | IRDAN545RP0047V01199900/A0041V01201920 | 31 Dec 2019 | Wording |
| Return to invoice add on for Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920/A0011V01201920 | 29 Sep 2019 | Wording |
| Road Side Assistance | IRDAN545RP0002V01201920/A0005V01202122 | 30 Jun 2021 | Wording |
| Road Side Assistance | IRDAN545RP0047V01199900/A0002V01202122 | 30 Jun 2021 | Wording |
| Road Side Assistance | IRDAN545RP0048V01199900/A0001V01202122 | 30 Jun 2021 | Wording |
| Road Side Assistance | IRDAN545RP0222V01200708/A0007V01202122 | 30 Jun 2021 | Wording |
| Standalone Motor OD (Two Wheeler) | IRDAN545RP0002V01201920 | 29 Sep 2019 | Wording |
| Tyre and Rim Proctector-Private car package policy | IRDAN545RP0047V01199900/A0040V01201920 | 31 Dec 2019 | Wording |
| Tyre and Rim Protector-Package Policy-Commercial Vehicle | IRDAN545RP0048V01199900/A0023V01201920 | 2 Dec 2019 | Wording |
Names in the register
IRDAI registration number 545. Filed as: United India Insurance Co. Ltd.; United India Insurance Co. Ltd.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find United India Insurance policy wordings?
Above: every United India Insurance product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many United India Insurance general insurance products are in IRDAI's register?
9 products and 46 add-ons, approved 2018 to 2021.
Which lines of cover does United India Insurance file most?
By number of products in the register: motor 9.
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