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United India Comprehensive Bike Insurance
United India Comprehensive Bike Insurance provides coverage for both third-party liabilities and own damages cover. Personal accident cover is also a part of the United Comprehensive bike insurance policy. It is also called as the Package Policy. With its nationwide presence, the insurer offers round-the-clock support to its customers. United India bike insurance policy is widely preferred due to its extensive coverage and add-ons specifically designed to address two-wheelers needs such as Geographical extension cover, CNG / LPG-Bi-fuel Kit cover, etc.
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United India Comprehensive Bike Insurance vs. Third Party Bike Insurance
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Comprehensive Bike Insurance |
Third-Party Bike Insurance |
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Comprehensive bike insurance covers own bike damage and third-party damage in one policy |
Third-party bike insurance does not include the advantages of comprehensive bike insurance and covers only third party damage |
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The policy offers a shield against theft, accident, and losses incurred due to mishaps and offers to reduce the financial burden to both the insured and the third party |
The third-party bike insurance covers only the third party liabilities including a third-person, property, and vehicle |
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The customer can opt for add-ons covers by paying an additional nominal premium |
Features such as personal accident cover and other additional covers are unavailable |
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United India Comprehensive plan offers broader coverage |
Third-Party Bike insurance is best suited for bikers who use their bikes less often |
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The policyholders must pay a higher policy premium |
Policyholders of third party bike insurance need to pay a lower policy premium compared to the comprehensive plan |
United India Comprehensive Bike Insurance Benefits
The benefits if United India package policy are listed below:
- NCB is provided for claim-free years, which can range from 20% to 50%.
- Personal accident cover for a specified limit is provide to the owner driver
- The insurer issues the policy quickly and efficiently
- The claim settlement process is less time consuming and can be done online
- The policyholder has a variety of add-ons covers to choose from
- Coverage for third party liabilities is also provided
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What is covered under the United India Comprehensive Bike Insurance Plan?
The policyholder enjoys the benefits of a comprehensive plan listed below.
- United India Comprehensive bike insurance provides coverage for own damages resulting from accidental external means, fire, self-ignition, lightning, etc.
- It covers loss or damage resulting due to theft or burglary
- The policyholder can approach the insurer and request claim settlements in case of loss of bike due to natural disasters like floods, earthquake, cyclone, landslide, etc.
- Another area covered by the United India Comprehensive plan is its ability to protect its customers' bikes from events like terror attacks, riots, rampages, stampedes, etc.
- Any damage incurred during transit via rail, road, elevators is also covered
- Add-on Covers can be availed on payment of additional premium. You can choose from Electrical / Electronic Fittings cover, Geographical extension cover, CNG / LPG-Bi-fuel Kit cover, and Fibre Glass Fuel Tank cover
What is not covered under United India Comprehensive Bike Insurance?
United India comprehensive bike insurance policy does not cover the following expenses:
- Suppose the policyholder is penalized by the government authorities for driving his bike after consuming alcohol and other sedated drugs. The plan does not cover such losses that occur due to violation of laws.
- United India Comprehensive bike plan does not support any violations of traffic laws and road regulations
- A comprehensive bike insurance plan does not encourage claims concerning the repair and maintenance costs due to reduced bike performance due to wear and tear, ageing, electrical short-circuiting and other internal damages
- The plan does not support claims if the damaged part is made of rubber, plastics, etc.
- Claims filed for incidents taking place outside the scope of geographical area are excluded as well
- Contractual liabilities are also excluded
FAQs
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Q1. What is the maximum policy term for which I can issue United India comprehensive bike insurance policy?
The maximum policy term for United India comprehensive 2-wheeler insurance policy is three years.
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Q2. Is it mandatory to buy United India Comprehensive Bike Insurance policy?
No, United India Comprehensive Bike Insurance policy is not mandatory. However, a minimum of third-party insurance is essential as per the Motor Vehicles Act.
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Q3. Does the United India Comprehensive Bike Insurance cover contractual liability?
No, United India Comprehensive Bike Insurance does not cover contractual liabilities.
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