United India Third-Party Bike Insurance

United India third-party bike insurance will indemnify the policyholder in case of unforeseen liabilities that may arise from any loss or damage caused to a third-party person or vehicle from your vehicle. Damage to someone else’s property from your bike shall also be compensated by the insurer. United India Insurance Company Limited has a vast network of garages nationwide where you can avail cashless repair services. You can easily buy United India two wheeler insurance online after comparing the coverage and benefits.

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United India Comprehensive Bike Insurance Vs. Third Party Bike Insurance

The policyholder can compare the benefits and features between the two as per the table given below.


Third Party Bike Insurance

Comprehensive Bike Insurance

Scope of Coverage

Third-party damages and legal liabilities are covered under this plan

Comprehensive bike insurance offers coverage for own damages as well as third-party loss or damages

Nature of Requirement

Third party bike insurance is mandatory   As per the Motor Vehicle Act

This type of bike insurance is optional but recommended to cover the maximum risks

Add-on Covers

No add-ons are available for in 3rd party two-wheeler insurance

Various add-on covers are available like Geographical extension cover, CNG/LPG kit cover, etc.


 Lower premiums

Premiums are slightly higher

What is covered under United India Third-Party Bike Insurance Plan?

If the policyholder meets with an unprecedented event such as a road accident resulting in the damage of the third party's vehicle or property, then under the United India third party Bike Insurance Policy the insurer covers the losses incurred by the third party during the road accident or collision such as a damaged car or a fence of the house, etc.

United India Bike Insurance Third Party Cover offers the following benefits for the third party involved in the mishap. Third-party insurance is mandatory, and if one rides the vehicle without third-party insurance, he is likely to get penalized by the authorities.

  • Third-party Bodily injuries

The insurance company takes responsibility for any injuries sustained by the third party at the time of a mishap. It looks after the medical expenses and other legal costs connected to the accident involving the insured's bike.

  • Third-party Accident/Death Cover

The insurer provides financial compensation in cases involving loss of life due to the involvement of the insured’s bike. Other liabilities such as the damage costs of the third party's vehicle, or repair costs, are also taken care of by the company.

  • Property Damage Cover

The insurer compensates for the damages caused to the third party’s property. The company offers compensation only after legal proceedings where the amount to be compensated is decided by the court of law.

  • Personal Accident Cover

The policy offers personal accident cover to the owner/driver for a specific sum insured as mentioned in the policy wordings

What is not covered under the United India Third Party Bike Insurance Plan?

The United India third party two wheeler insurance policy designed for two-wheelers does not cover claims arising due to the following reasons:

  • Claims arising due to contractual liabilities
  • Normal wear and tear of the two-wheeler
  • Any consequential losses
  • Driving under the influence
  • Driving  without a valid driving license
  • Mechanical and electrical breakdown 
  • Any damage or loss resulting due to war like conditions and nuclear radiations
  • Periodic depreciation


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 28 Reviews)

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United India Third-Party Bike Insurance Reviews & Ratings

4.8 / 5 (Based on 28 Reviews)
(Showing Newest 10 reviews)
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.
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.
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
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.
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.
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.
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.
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.
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.
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