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.Read more
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
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.
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
Explore United India Bike Insurance
United India third-party liability insurance only covers risk towards third-party injuries, death and property damages
You are recommended to contact the insurer at the earliest to get a duplicate copy.
Q3. What are all the documents required to file an accident claim for my United India bike insurance policy?
To file a claim for accidental damages you need to submit the following documents-
- Copy of the Driving License and Registration Book
- Claim Form
- Copy of your United India bike insurance policy
- Police FIR copy
- Estimate of repairs
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United India Third-Party Bike Insurance Reviews & Ratings
^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