United India Two Wheeler Insurance

United India Insurance Company was established on the 18th of February’ 1938 and its general insurance business got nationalized in India in the year 1972. The company understands the importance of two-wheeler insurance plans and thus offers different policies to meet the requirements of its owners. The company is among those motor insurance providers of Indian who offer geographical area extensions in just Rs.500.

Why Buy a Two Wheeler Insurance Plan?

Any two-wheeler plying on the roads of India is required to have at least a third-party insurance plan. However, it is not only the compulsion due to which one should have an insurance plan, but a two-wheeler insurance policy provides the financial support to an insured in case of any loss or damage to the vehicle or self in an accident. It also takes care of the damage of third-party person, property, or vehicle caused because of an accident.

Key Benefits - United India Two Wheeler Insurance:

The key benefits that an insured gets with United India Two Wheeler Insurance plan are:

  • Quick and Easy Claim Settlement: The insurance company offers easy and quick claim settlement service.
  • Discounts: Discounts like ‘No Claim Bonus' ranging from 20% to 50% is offered.
  • Excellent Customer Service: The Company has excellent customer care department that is available to help its customers.
  • Add-On Cover: United India Two Wheeler Insurance Company offers several add-on covers for enhancing the coverage of basic two-wheeler insurance plan.

Two-Wheeler Insurance Plans Offered by United India Two Wheeler Insurance Company:

The United India Two Wheeler Insurance Company offers two insurance plans for motorbikes:

    • Liability Only Policy
    • Package Policy

Liability Only Policy:

Under this insurance policy, the loss or damage incurred to a third-party person or property is covered. It is basically, a type of third-party insurance plan.

Package Policy:

This is a comprehensive two-wheeler insurance plan offered by United India Two Wheeler Insurance Company. Under this plan, not only the losses and damages incurred to third-party property and person are covered but damage or loss to own vehicle are also covered.

Features of United India Two-Wheeler Insurance Plan:

Prominent features of two-wheeler insurance plans offered by the United India Insurance Company are:

  • Basic Cover as well as Personal Accident Cover for Co-Passengers: The policies of United India Two-Wheeler Insurance offer basic insurance cover for two-wheelers as well as personal accident cover for co-passengers up to Rs.15 Lakh.
  • Third-Party Cover: The two-wheeler insurance plans offer coverage against bodily injury or death of third-party. The damage to the property of third-party is also covered.
  • Online Facility: One can renew or purchase a two-wheeler insurance policy online.
  • Guaranteed Compensation: The plans of United India Two-Wheeler Insurance provide guaranteed compensation in case of damage or robbery of the insured two-wheeler.
  • Geographical Area Extension: The plans of United India provide the facility of geographical area extension by paying an amount of Rs.500.


The basic inclusions offered by United India Two-Wheeler Insurance plans are:

Inclusions in Third-Party Liability (Liability Only) Insurance:

  • This insurance plan covers liabilities incurring to third-party in case of an accident. This feature also covers accidental death or physical injury to a third-party person.
  • The plan also offers compensation of up to Rs.1 Lakh in case of third-party property damage, injury, or death of third-party.

Inclusions in Own Damage (Package Policy) Insurance:

The United India Two-Wheeler Insurance Company offers a wide range of coverage in case of own damage. The plan covers damages incurred due to:

  • Natural calamities such as flood, cyclone, typhoon, storm, hurricane, hailstorm, etc.
  • Rockslide and landslide.
  • Fire, explosion, lightning, self-ignition.
  • Earthquake
  • Malicious activities like terrorism.
  • Housebreaking, theft, burglary of the two-wheeler.
  • Riots and strike.

Personal Accident:

The two-wheeler insurance policies of United India also provide coverage against personal accident. The situations covered in this case are:

  • The company pays a sum insured of Rs.15 Lakh to the driver and/or owner of the insured vehicle if he/she encounters permanent partial disability or permanent total disability or accidental death.
  • This works as an income replacement or financial help in case of traumatic instances of a personal accident.

Add-On Features:

The United India Two-Wheeler Insurance also provides the facility of add-on features to enhance the basic coverage. The main add-on features that are availed by paying an additional premium are:

  • Extension of Geographical Area: United India Two-Wheeler Insurance offers the feature of geographical area extension by paying an additional 500 Rupees. The regions covered in this feature are:
    • Bhutan
    • Nepal
    • Sri Lanka
    • Bangladesh
    • Pakistan
    • Maldives
  • Zero Depreciation Cover: Under this add-on cover depreciation waiver is offered for plastic and metal parts if partial loss incurs to them. The claim amount is granted to the insured without deducting the depreciation on the replaced parts. The inclusions and exclusions of this add-on cover are:
    • Inclusions:
      • All the plastic parts without any depreciation.
      • The full amount is compensated in case of replacement of all the parts of insured’s two-wheeler.
      • All the metal parts excluding the depreciation.
    • Exclusion:
      • The claims made for theft of accessories or parts of a two-wheeler.
      • The total deductible amount specified in the schedule of the policy.
      • Damage occurred due to mechanical breakdown of the bike or any peril that is uninsured.


The list of exclusions is:

  • Mechanical or electrical breakdown, normal wear and tear
  • Driving under the influence of a drug or other intoxicants like liquor
  • Tyre damage
  • Driving without a valid driving license
  • If the vehicle is used for any illegal purposes
  • Using the vehicle outside the geographical limits of the plan
  • Perils and nuclear wars
  • If the vehicle is used for speed testing, reward or hire, carriage of goods, reliability trials, organized racing.

The Discounts Offered by United India Two-Wheeler Insurance:

The discounts provided by United India Two-Wheeler Insurance Company are:

No Claim Bonus:

The company offers the ‘No Claim Bonus’ to its customers. The ‘No Claim Bonus’ or NCB is the discount that is given for every claim free year. The NCB starts with 20% and reaches up to 50% for consecutive 5 claim free years. The most interesting part of this discount is - an insured can retain it even if he/she sells his/her two-wheeler and gets a new one. The table below defines the percentage of NCB for every claim free year:

Claim Free Years

Discount (%)

1 year


2 consecutive years


3 consecutive years


4 consecutive years


5 consecutive years


Installing Security Device(s):

A two-wheeler with anti-theft devices gets an additional discount of 2.5% (maximum) on the insurance premium.


A deductible is the percentage of the amount that an insured agrees to pay from his/her pocket in case of mishap or accident by/of his/her vehicle. The more the deductible one adds in his/her insurance plan, the lower the insurance premium he/she has to pay for his/her two-wheeler.

Membership AAI:

If the insured two-wheeler is the member of any of the known Automobile Association of India, then it attracts an extra discount on the premium of two-wheeler insurance.

Process for United India Insurance Online Renewal for Two Wheeler:

An insured can renew his/her United India Two Wheeler Insurance Online by following the below steps:

  • Go to the official website of the United India Insurance Company.
  • Click the ‘Motor Insurance’ tab and select the ‘Quick Renewal’ option from the drop-down.
  • A new page opens that requests an insured to enter his/her policy number that is to be renewed.
  • On providing the policy number, the insured has to pay the renewal fees through credit/ debit card or through net banking as the renewal amount.

United India Two-Wheeler Insurance Policy Claim Process:

An insured should follow the below steps to file a claim in case of an accident:

  • Intimate the United India Insurance Company either by call or by visiting its nearest branch.
  • If the accident is major, then it is suggested to keep the two-wheeler at the spot of the accident so that the surveyor can easily inspect it.
  • If any third-party liabilities are involved in the accident, then the insured is requested to inform the nearest police station as soon as possible.
  • The damaged two-wheeler can be sent to the authorized workshop only after the approval of the surveyor.
  • The insured should fill the claim form after completion of the repair of the two-wheeler and submit this form to the insurance company with other required documents.

United india Two Wheeler Insurance - FAQs

Written By: PolicyBazaar - Updated: 16 February 2021

United India Two Wheeler Insurance Reviews & Ratings

4.9 / 5 (Based on 12 Reviews)
(Showing Newest 12 reviews)
Ichoda, March 04, 2021
Secure payment gateway
I bought united India two-wheeler insurance policy from policybazaar. I paid for it online as their payment gateway is very secure and my money was transacted very easily and without any lag. Thanks team
Habra, March 04, 2021
Paperless procedure
I was looking for a two-wheeler insurance plan. I bought the Bajaj Pulsar 150cc recently and I wanted an online solution as it is not safe to go out and meet anyone in person so I went on the policybazaar’s website and the buying procedure was pretty smooth and paperless so I ended up buying the United India two-wheeler insurance plan. I just had to upload the required documents and boom it was done.
Odagoan, March 04, 2021
Quick claim provided
I purchased the two-wheeler insurance from policybazaar. I bought the United India two-wheeler insurance policy. A few weeks ago I had to raise a claim after my bike met an accident and the claiming process was pretty smooth and quick. Thanks team.
Udagamandalam, February 10, 2021
Network garage available
One of the best features I like about United India group is that you can easily get the network garage available all over the India as they have many associations under the same. So, if I will get stuck anywhere and need to get repaired my two wheeler then it will be easy for me to do so. All thanks and credit goes to United India group.
Fakirpur, October 01, 2020
Renew your plan
I have recently renewed my two wheeler insurance policy from the United India website. It was easily accessible and I have added some of the add on covers under the same too. Thanks a lot team United India.
R.udayagiri, September 30, 2020
Check and compare
I have really check and compared all sorts of two wheeler policy online. It is easy and best as you can compare all the plans at one particular place and can see which one is better. So, I am highly impressed with the services of the United India team and it’s one of the next levels. Thanks a lot team United India.
G.mahisani, September 28, 2020
Make payment by own way
I have got the two wheeler insurance policy from the United India team and it’s one of the easiest way to get the two wheeler insurance policy. I really like the plan and have made the payment via online basis. There is no problem related to fraud and everything is transparent in nature. Thanks to whole team of United India for better facilities.
Baarod, September 23, 2020
Online facility
It is really easy and convenient to buy the two wheeler insurance policy from the United India company. I bought it from there website and have checked various plans under their website. They are much better and convenient as compared to the other companies. Great assistance and best work.
Jabalpur, September 21, 2020
Add on covers under budget
It’s been two years that I get the two wheeler insurance policy from the United India team and simultaneously I have added some of the add on covers under the same too so that it can easily enhance my policy plan of two wheeler. It’s an amazing thing and thus quite helpful for my two wheeler and my life. Best services by the team.
Udaipur, September 18, 2020
Excellent services
The services provided by the United India team has been a good company. They really helped me and getting the whole scenario resolved. I have got the add on benefits involved under my two wheeler insurance and it was done on immediate basis. Thank you team United India Team. Appreciable services.
East Singhbhum, September 16, 2020
Get discounts on plans
I recently got the two wheeler insurance policy from the United India and they have given me a huge amount of discounts. I feel that I got the best two wheeler insurance plans and it is very much suitable to me and my two -wheeler. Thank you so much team United India team. Kudos to whole team.
Dabugam, September 14, 2020
Quick claim settlement
I have got the claim settled for my two wheeler insurance policy. The whole team of United India company has given me whole and proper assistance related to the claim. I am very much happy with the services of the company. I would love to recommend about the same to everyone in my known.
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