UM Motorcycles Two-Wheeler Insurance

UM Motorcycles, established in the early 2000s by Octavio Villegas Llano, is a US-based manufacturing company. It specialises in high-quality, feature-rich small and medium-sized motorcycles between the 125cc to 300cc range. Secure your bike with comprehensive UM Motorcycle insurance cover that provides financial protection against third-party liabilities, theft, own damage, natural disasters, fire, and other potential risks.

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About UM Motorcycles

United Motors (UM) originated in Colombia in 1951 as a distributor of vehicles and heavy-duty equipment. UM Motorcycles entered the Indian market through a partnership with Lohia Auto in 2014, commencing operations as UM Lohia Two-Wheelers Pvt. (UML) Ltd in 2016. Their diverse lineup features cruisers, sports bikes, and dual-sport models, with standouts like 280cc powered cruiser motorcycles like the Renegade Commando, Renegade Sport S, and Renegade Classic.

Popular UM Motorcycle Models with Bike Insurance Price

UM Global Motorcycle Models (Registration 2024)	*Zero Dep Cover (Add-on Cover)**	*Estimated UM Motorcycle Insurance Price (1+5 Bundled Policy)**
Renegade Classic (279 CC)	₹ 240	₹ 7,580
Renegade Commando (279 CC)	₹ 378	₹ 7,682
Xtreet 230 (223 cc)	₹ 305	₹ 7,755
Xtreet 230 R (223 cc)	₹ 327	₹ 7,733

*Disclaimer: The UM Global Motorcycle insurance premium depends upon several factors, including registration year & location, add-on cover, make, model, brand, ex-showroom price, IDV, etc., and it may vary from insurer to insurer.

UM Motorcycle Bike Insurance Calculator

The UM Motorcycle two-wheeler insurance premium calculator enables you to estimate the premium needed for the UM bike insurance purchase. You can utilise the free online premium calculator tool at Policybazaar.com to streamline your premium calculation. Simply mention the below details and receive precise premium cost estimates:

Build, type, and specification
Vehicle registration year and location (RTO details)
Ex-showroom price
History of past claims

Coverage Under UM Motorcycle Insurance

Inclusions
Exclusions

The policy covers the following instances of damage or loss:

Liabilities from accidents involving the insured motorcycle with third parties.
Damage resulting from man-made events, such as riots, vandalism, or strikes.
Loss or damage caused by natural disasters, including earthquakes, floods, cyclones, landslides, and typhoons.
Damage or loss caused by road accidents or collisions.
Total or partial loss of the motorcycle due to theft, burglary, or accidents.
Damage or loss related to fire incidents.

The policy excludes coverage for the following instances of loss or damage:

Claims for damages caused by negligence or intentional acts due to civil unrest or nuclear conflict are not covered.
Coverage is void if the incident involves intoxicated driving.
Damages due to regular wear and tear or mechanical issues are not included.
Damages to the insured UM Motorcycle if the rider does not possess mandatory documents, including a valid driver's license (DL), registration certificate (RC), insurance policy, or pollution under control certificate (PUCC).
Claims cannot be processed if the insurance policy has expired.
Damage incurred and injuries sustained when the motorcycle is used beyond the geographic boundaries outlined in the policy paperwork.

*Disclaimer: The above mentioned policy coverage is for reference purposes only. It may vary from insurer to insurer.

How to Buy/Renew UM Bike Insurance Online?

Get insurance for your new or existing UM Motorcycle easily on Policybazaar.com with these easy steps:

Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited and navigate to the 'Bike Insurance' option under the 'Insurance Products' section.
Step 2: If you are renewing your existing insurance, input your bike's registration number to continue. When buying insurance for a new UM bike, choose the 'Bought a New Bike' option.
Step 3: Carefully fill out the required details in the generated form and cross-check before submission.
Step 4: Compare multiple quotes from different insurers to find the policy that best fits your needs and budget.
Step 5: Select your preferred policy option, whether a comprehensive bike insurance policy or a third-party coverage plan. You can also choose add-ons for enhanced coverage.
Step 6: Complete the premium payment online using the various payment gateways offered. After the payment is processed, your UM two-wheeler insurance policy will be sent to your registered email.

UM Motorcycle Bike Insurance Add-ons

You can enhance your base UM Motorcycle two-wheeler insurance policy by adding optional riders or add-ons for increased coverage. Below mentioned are some popular add-ons covers available:

Zero Depreciation Cover
NCB Protection Cover
Return-to-Invoice (RTI) Cover
24x7 Roadside Assistance Add-on
Consumable Cover
Engine Safe Cover
Personal Accident Cover
Passenger Assistance Cover

Add-ons for your two wheeler insurance

How to Claim UM Motorcycle Insurance Online

To file a claim for accidental damages to your UM Motorcycle, follow these steps:

Step 1: Inform your insurance provider immediately about the accident or damage.
Step 2: A surveyor from the insurer will inspect the damage to your UM Motorcycle.
Step 3: The surveyor will prepare and submit the damage assessment report to your insurer.
Step 4: Submit all required documents, such as ID proof, claim form, and policy details, for claim verification.
Step 5: Send your bike to a network garage for cashless repairs if verified.
Step 6: The insurer will settle the bill directly with the authorized garage for cashless claims. If repairs are done at a non-network garage, pay the bill and submit the receipt for reimbursement to your registered bank account.

Documents Needed to File UM Motorcycle Insurance Claims

To raise a claim for your UM Motorcycle Bike Insurance, you need the following documents:

Claim form (filled and signed)
Policy Document
Registration Certificate (RC)
Driving License
FIR (First Information Report) or police report (if applicable)
Estimate of repairs
Photos of the damaged motorcycle
Invoice for repairs (if already completed)
No Objection Certificate (NOC) from the financier (if applicable)

UM Motorcycle Insurance FAQs

Q. What is covered under the UM Motorcycle two-wheeler insurance?

Ans: The UM Motorcycle two-wheeler insurance plan covers third-party liabilities, theft, own damage, accidents, natural disasters, fire incidents, and man-made events like riots or vandalism, providing comprehensive protection for your bike. For extensive coverage, you can also opt for additional riders with the policy.
Q. Can I switch my existing UM motorcycle insurance policy?

Ans: Yes, if you're looking to upgrade your existing UM motorcycle insurance for better and more extensive coverage, you can easily switch your policy at the time of renewal.
Q. How can I claim a discount on my UM two-wheeler insurance policy?

Ans: You can receive a 50% discount on the No Claim Bonus (NCB) discount on renewing the own damage cover.
Q. Where can I purchase comprehensive UM bike insurance coverage?

Ans: At Policybazaar.com, you can compare bike insurance policies from multiple insurers across India for your UM Motorcycle models, select the plan that best fits your needs and purchase a suitable policy within minutes.
Q. What happens if my UM Motorcycle two-wheeler insurance policy lapses?

Ans: If your policy lapses, you will no longer be covered for damages or liabilities. Ensure that you renew your UM bike insurance for continued coverage.

Written By: PolicyBazaar

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in