United India Zero Depreciation Bike Insurance Policy

A zero depreciation cover provides extended coverage to an existing bike insurance policy. In case of an accident or vehicle theft, the bike owner with a comprehensive insurance plan gets the claim only after subtracting the depreciation value from the original value of the bike. The depreciation leads to a considerable loss to the policyholder during the claim settlement. Hence, a zero depreciation cover is necessary to prevent the losses due to the two-wheeler’s depreciation.

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United India Zero Depreciation Bike Insurance Cover

United India zero depreciation bike insurance policy has been designed to cover the depreciation cost of the insured two wheeler. The value of a two-wheeler decreases as time passes. To shield themselves from the depreciation costs, the bike owners can buy the United India zero dep bike insurance.

Zero depreciation bike insurance of United India Insurance Company Limited eliminates the problem of reduction in the value of a bike due to its ageing by considering the invoice value of the two wheeler at the time of claim settlement. It covers both the own damages and third party liabilities of the policyholder without deducting the depreciating value of the insured bike. As a result, the insured bike is protected against depreciation and you can avail the insured declared value (IDV) of the bike as the maximum claim amount in case of adversity. 

The zero depreciation add-on cover is available under United India comprehensive bike insurance plans but at a higher premium amount.

Benefits of United India Zero Depreciation Bike Insurance Policy

Following are the benefits of buying the zero depreciation policy of United India Bike Insurance:

  • Bike owners need not worry about depreciation value costs that can significantly reduce the claim amount.
  • The policyholder gets a higher claim due to eliminating the depreciation factor, which will significantly increase thereimbursement amount.
  • This policy covers certain vehicle parts and accessories usually not covered under the comprehensive plan.
  • It is cost-effective and helps the bike owner tocut down the out-of-pocket expenses at the time of a claim.

Depreciation Rates on Bike Parts With and Without Zero Depreciation Cover

Under ordinary circumstances, the bike owner with a comprehensive plan cannot claim expenses for the damaged parts of the bike, such as fibre bodies, nylon materials, etc. However, the zero depreciation add-on cover under United India Two Wheeler Insurance ensures that the bike owner is covered for different kinds of damaged vehicle parts. The depreciation rate for bike parts is as follows:

Two-wheeler Parts

Depreciation Rate with Zero Depreciation Cover

Depreciation Rate without Zero Depreciation  Cover

Rubber, nylon, and plastic parts



Fiberglass parts



Glass parts



Depreciation Rates on Bike With and Without Zero Depreciation Cover

The depreciation rate applicable as per the age of the two wheeler is as follows:

Age of the two-wheeler

Depreciation Rate with Zero Depreciation Cover

Depreciation Rate without Zero Depreciation Cover

Below 6 months



6 months to 12 months



Above 1 year to below 2 years



Above 2 years to below 3 years



Above 3 years to below 4 years



Above 4 years to below 5 years



Above 5 years to below 10 years



Above 10 years



Factors that Affect the United India Bike Insurance Zero Depreciation Cover

Some of the factors that affect the United India bike insurance zero dep add-on cover are:

  • The policyholdercan get United India zero depreciation cover only if the bike is less than two years old.
  • You can claim the zero depreciation cover only two times in the entire policy tenure.
  • The policy does not provide coverage for costs arising due to the wear and tear of the bike.
  • The expensesarising from the total loss of the bike are not covered under this policy. 


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 Zero Depreciation Bike Insurance Policy 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