United India Bike Insurance

United India bike insurance policy is a two-wheeler insurance plan offering financial coverage to meet two-wheeler owners' requirements. It covers the damage or loss incurred to the insured bike against theft, accident, fire, explosion, natural calamities, man-made disasters, etc. The United bike insurance policy also protects the policyholder against third-party liabilities that may arise in a road accident. Read more

Insure bike in 60 seconds
1.1 Crore+ Bikes Insured
95% claims settled#
Get Two Wheeler Insurance starting at only ₹1.3/day*
Enter bike number (e.g DL1SB1234)
Processing

United India Bike Insurance Policy – Key Features

Categories Key Features
Two-wheeler Network Garages 500+
Claim Settlement Ratio 95%
Customer Assistance Available 24x7
Personal Accident (PA) Cover Up to ₹ 15 Lakh

*Disclaimer: The above table highlighting the key features is for reference purposes only. To know the exact features, refer to the policy wordings provided by the insurer.

Why Choose United India Bike Insurance Policy?

Here are the key benefits an insured gets with the United India bike insurance policy:

  • A wide and strongest network of 3,100+ authorized two-wheeler garages across India.
  • Easy and digitalized renewing/buying process of bike insurance.
  • Excellent customer assistance team to address all types of insurance-related queries.
  • Avail a No Claim Bonus (NCB) discount ranging up to 50%.

Types of United India Bike Insurance Policy

United India Insurance Company (UIIC) is a central public insurance company administered by the Ministry of Finance India. The company offers two types of bike insurance plans, explained below:

  1. Two-Wheeler Package Policy

    This comprehensive two-wheeler insurance policy offers extensive coverage for both own damage and third-party liabilities in a policy. It is divided into two sections in a policy, providing coverage in the following manner:

    1. Section I (Own Damage - OD)

    1. Protection against damage from accidents.
    2. Covers losses due to fire or electrical issues.
    3. Loss or damage due to theft or burglary is covered.
    4. Protection against damage caused by terrorism.
    5. Covers damages resulting from riots or strikes.
    6. Includes earthquakes, floods, cyclones, inundations, landslides, etc.
    7. Coverage for damage while the insured two-wheeler is transported by rail, road, air, elevator, lift, or inland waterways.

    2. Section II (Liability Coverage)

    Covers bodily injury or death of third parties and damage to third-party property. It also covers the legal liability for the death/disability of a third person, along with the damages caused to third-party property.

  2. Two-Wheeler Liability Only Policy

    A two-wheeler liability-only policy is a third-party bike insurance policy offering coverage solely for third-party liabilities, not damage coverage. It includes bodily injuries or death of third parties and damage to third-party property. Moreover, it covers court costs and expenses with written consent.

    In the event of the insured's death, their legal representative will be indemnified, provided they follow the policy terms & conditions.

United India Two-Wheeler Insurance Policy Coverage

  • Inclusions
  • Exclusions

Below are the inclusions of the United India two-wheeler insurance policy:

  • ✅Covers the damage from accidents.
  • ✅Covers the third-party damages in a road accident.
  • ✅Covers losses due to fire or electrical issues.
  • ✅Covers the loss or damage due to theft or burglary.
  • ✅Protection against the damage caused by terrorism, strikes, or riots.
  • ✅Protection against damage from earthquakes, floods, cyclones, inundations, landslides, etc.

Below are the exclusions of United India's two-wheeler insurance policy:

  • ❌Loss arising out of contractual liability.
  • ❌Loss or damage caused by war or nuclear perils.
  • ❌Damage sustained in the insured vehicle due to drunken driving or under the influence of drugs.
  • ❌Loss due to depreciation or wear and tear.
  • ❌Loss due to mechanical or electrical breakdown.
  • ❌Raising claims outside the geographical area specified in the policy documents.
  • ❌Raising claims arise when the insured vehicle is used or driven more than its limitation, as defined in the policy wordings.
  • ❌Loss or damage sustained when a person drives the insured vehicle without having a valid DL, RC, or bike insurance policy.

*Disclaimer: The coverage of the United India bike insurance policy includes general inclusions and exclusions. Refer to the policy wordings to understand the exact coverage.

Depreciation Rates for Bike Components

Different bike components are subject to depreciation as below:

  1. Nylon, rubber, plastic Parts (example: tubes, batteries, or tyres): 50% depreciation
  2. Paint material: 50% depreciation
  3. Fiberglass parts: 30% depreciation
  4. Glass parts: zero depreciation
  5. Other parts (including wooden components): depreciation applicable as per the policy schedule defined in the documents.

Depreciation Rates Based on the Age of Bike

Here is a scheduled rate of depreciation depending upon the age of the vehicle:

Age of Vehicle % of Depreciation
Post issuance of the plan;
however, not more than 6 months
0%
Post 6 months after plan issuance but not later than 1 year 5%
Post 1 year after plan issuance but not later than 2 years 10%
Post 2 years after plan issuance but not later than 3 year 15%
Post 3 years after plan issuance but not later than 4 years 25%
Post 4 years after plan issuance but not later than 5 years 35%
Post 5 years after plan issuance but not later than 10 years 40%
Post 10 years after plan issuance 50%

*Disclaimer: The rates provided are for reference purposes only. Please review the policy documents for complete terms and conditions.

Personal Accident (PA) Coverage for Two-Wheeler Owners

United India Insurance Company offers compensation up to ₹15 lakh to the bike owner in case of bodily injury or death due to an accident. The compensation provided under PA cover is discussed below:

  1. Condition Along with Compensation Rate (in %)

    • Loss of 1 eyesight or 1 limb 50%
    • Loss of 1 eyesight and 1 limb or 2 limbs or both the eyesight 100%
    • Permanent total disability due to specified injuries 100%
    • Accidental Death 100%
  2. Important Points to Consider While Buying Personal Accident (PA) Cover

    • Compensation is available for only one condition, as listed above in the table.
    • The total compensation cannot exceed ₹15 lakh in a single insurance period.
    • The insurer does not entertain the claims raised due to intentional self-harm, suicide, pre-existing physical defects or infirmities, or accidents occurring under the influence of drugs or alcohol.

How to Buy or Renew United India Bike Insurance Policy?

Follow these steps to purchase or renew a United India bike insurance policy via Policybazaar.com:

  • Step 1: Visit Policybazaar.com, go to 'Insurance Products', and select 'Bike Insurance'.
  • Step 2: Enter your bike number and click 'View Prices'. If you do not have the bike number, select 'Bought a New Bike' to continue.
  • Step 3: Enter details about your bike, such as model, variant, city, RTO, and manufacturer, then click 'View Plans'.
  • Step 4: Choose the United India bike insurance plan from the given options.
  • Step 5: Select the policy type, i.e. third-party or comprehensive coverage.
  • Step 6: If needed, buy add-on covers, such as NCB protection cover, zero dep cover, etc., to enhance the base policy coverage.
  • Step 7: Pay the premium using a credit/debit card, UPI, or net banking, and receive a copy of your policy sent to the registered email address.

How to File a Claim with United India Bike Insurance Policy?

Here's how to file a claim based on the different types:

  1. For Theft Claim

    Here is how you can raise a theft claim:

    • Report the theft to the nearest police station and obtain an FIR.
    • Submit the FIR to the insurance company.
    • A surveyor will be assigned to assess the situation.
    • Inform your RTO about the theft.
    • Gather and submit all required documents.
    • If the bike is untraceable for over a month, provide a police 'untraceable report' for claim settlement.
  2. For Accident Claim

    • Notify your insurer about the accident and fill out the claim form online.
    • A surveyor will inspect the damage.
    • Submit all necessary documents to process your claim.
    • For cashless settlement, repair your bike at a network garage. For reimbursement, repair at any garage, pay upfront and claim reimbursement.
  3. For Third-Party Claim

    • Notify your insurer about the accident.
    • Submit the court summons to the insurance company.
    • Complete and sign the claim form.
    • Provide all required documents.
    • The case will be adjudicated by the Tribunal court.

Documents Required for Raising United India Bike Insurance Claims

  1. For Theft Claims

    • Signed claim form
    • RC Copy of the vehicle with original keys
    • Driving License (DL)
    • Original bike insurance policy
    • FIR with a detailed theft report
    • 'No-trace report' from the police
  2. For Accident Claims

    • Signed claim form
    • Original RC copy of the vehicle
    • Original DL of the vehicle owner
    • Copy of the first two pages of the bike insurance policy
    • Motor Collision Report (MCR) or FIR
    • Original repair estimate
    • Original repair invoice and payment receipt (for non-network garages)
  3. For Third-Party Claims

    • Signed claim form
    • Police FIR
    • Original Driving License
    • Original two-wheeler insurance policy
    • RC copy of the bike
    • Company-registered vehicle documents, if applicable

Explore Two Wheeler Insurance
Bike Insurance
Bike Insurance Companies
e-Bike Insurance

United India Two-Wheeler Insurance - FAQs

  • Q. What is the claim ratio of United India for motor insurance?

    Ans: The claim settlement ratio of United India General Insurance Company is 95% for motor insurance.
  • Q. Which policy is good for 2-wheelers?

    Ans: When it comes to securing your two-wheeler, a comprehensive bike insurance policy is always considered an ideal solution for covering all the damages. It offers coverage against third-party liabilities as well as own damage due to several unpredictable incidences.
  • Q. How to claim United insurance for bike?

    Ans: To raise a claim under your United India bike insurance policy, contact the insurance provider and inform them about the incident. The assistance team will further guide you in getting your vehicle repaired.

Two Wheeler insurance Articles

  • Recent Article
  • Popular Articles
03 Oct 2024

Process to Check the VIN, Chassis Number and...

Every two-wheeler has several identifiers, which make it

Read more
26 Jul 2024

Get PUC Certificate Renewed Amid Protest by...

Amid the ongoing strike by the Delhi Petrol Dealers Association

Read more
20 Jun 2024

PUC Certificate Test Costs in Delhi May Rise Due...

According to the Transport Department, all the vehicle owners in

Read more
10 Jun 2024

Common Problems Faced by Bike Owners and Their...

As a motorcycle owner, you might face various problems that

Read more
07 May 2024

10 Best Bikes for Long Rides in India 2024

Are you the one who want to cruise through the winding roads of

Read more

Three Easy Ways to Check Bike Insurance Expiry...

As significant as it is to buy a bike insurance for your motorbike, it is equally important to renew it timely

Read more

Vehicle Owner Details by Registration Number

Vehicle owner details can come in handy in various situations, such as road accidents, cases of reckless driving

Read more

How to Check Bike Owner Details by Registration...

In a world full of different types of two-wheelers, each one has its unique identity enclosed in its registration

Read more

How to Get Bike Insurance Details by Registration...

According to the IRDA, all bike owners must hold at least a third-party bike insurance policy in India. The bike

Read more

Get Your Vehicle Fitness Certificate from RTO

The Fitness Certificate (FC) of a vehicle is an official document that certifies the vehicle is fit enough to run

Read more

United India Bike Insurance Reviews & Ratings

4.8 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
Shirija
Amravati, October 09, 2021
Faster claim settlement
Thanks to Policybazaar for helping me in my time of need. Under their guidance, I easily raised the claim request. United India Bike Plan made repairs cashless. I did not have to pay any amount for repairing as I got the claim settlement so quickly and easily.
Jasraj
Salem, October 09, 2021
Hassle free process
Policybazaar offers the easiest process of buying a plan. i went through a simple and hassle free process when I got my bike insured from Policybazaar. I preferred the online process due to the covid situation and got full support from the team in the online process as well.
Kushagra
Warangal, October 09, 2021
Hassle free experience
An executive helped me understand better about the two wheeler policy. With the help of an executive I took United India Two Wheeler Insurance from Policybazaar. My experience with Policybazaar has been great and hassle free. Glad to got a great plan
Lakshay
Mira Bhayandar, October 09, 2021
Supportive staff
Policybazaar has so many good employees. Everyone in the team is amazing in their work. They are well trained and always interact well with the customers. When I went to Policybazaar for United India Two Wheeler Insurance I got so good service from the team.
Nandini
Thiruvananthapuram, October 09, 2021
Renewal is easy
At the time of renewal, I was visiting Policybazaar, but before going, I contacted Policybazaar to know about the documents required for renewal and the executive told me that there is no documentation in renewal process and secondly i can renew my plan from home itself.
Sakshi
Bikaner, October 09, 2021
Great benefits
On my birthday my parents gifted me a bike. A relative of mine suggested me to insure my bike. I got my bike plan from where I got my health plan. i went to Policybazaar for bike insurance and according to the benefits I wanted in my plan, i chose United India Bike Plan.
Manya
Jalgaon, October 09, 2021
Problem resolver
The support I have received from Policybazaar was unexpected. Policybazaar is always ready to help its customers till the issue is resolved. I had a query related to my United India bike plan for which I contacted Policybazaar and they solved my problem in a minute.
Yogesh
Navi Mumbai, August 18, 2021
Great features
i was looking for two wheeler insurance as a middle class.one of my friend suggested me to buy United India two wheeler insurance plan as they have great features. i bought it through policy bazaar.
Ritika
Amritsar, August 18, 2021
Great coverage
I had taken united india two wheeler insurance from policy bazaar. this policy also covers damages caused to third party property and person as well as own vehichle. i did not need to go anywhere. i got all the information about policy from their website.
Rajesh
Allahabad, August 18, 2021
renewal process
i had to renew my United India two wheeler plan which i took last year through policy bazaar but i was not aware about the renewal process. i contacted customer service of policy Bazaar and they guided me so well. thanks to the team who available 24*7 for their customers.

^The renewal of insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for a transaction may vary subject to additional data requirements and operational processes.

^The buying of Insurance policy is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. Actual time for transaction may vary subject to additional data requirements and operational processes.

#Savings are based on the comparison between highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*TP price for less than 75 CC two-wheelers. All savings are provided by insurers as per IRDAI-approved insurance plan. Standard T&C apply.

*Rs 538/- per annum is the price for third party motor insurance for two wheelers of not more than 75cc (non-commercial and non-electric)

#Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

*₹ 1.5 is the Comprehensive premium for a 2015 TVS XL Super 70cc, MH02(Mumbai) RTO with an IDV of ₹5,895 and NCB at 50%.

*Rs 457/- per annum (1.3/day) is the price for the third-party motor insurance for private electric two-wheelers of not more than 3KW (non-commercial). Premium is payable on an annual basis