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One of the oldest players in the insurance ecosystem, United India is all for the consumer’s benefit. The company understands the importance of two wheeler insurance and therefore, provides unique plans that cater to individual needs.
It offers 50% discount for two wheeler used by blind and mentally challenged persons.
The company offers insurance policies online and has special 50% discount offers for the blind and mentally challenged riders on the road. United India is one of the few providers that offers extension of geographical area with a nominal additional amount of Rs.500.
United India Insurance offers tailor-made two wheeler insurance plans as per your requirement. You can also enhance your policies with the help of add-ons that comes with an addition of little extra premium. It is essential to know what type of coverage to opt for before buying a two wheeler insurance policy.
Let's have a look at the different types of private two wheeler insurance coverage offered by United India Two wheeler Insurance:
United India Two wheeler Insurance offers a comprehensive coverage for you and your prized possession. They offer the below coverages:
Personal Accident Cover
Type of Injury Compensation Level in case of personal accident cover for owner-driver
United India Two wheeler insurance offers unique add-on covers that offers an extra touch of protection at a minimal rate. These add-ons enhances your basic insurance policy by paying an additional premium.
This add-on cover offers depreciation waiver on metal and plastic parts in case of partial loss/claim. This cover ensures you the entire claim amount without deducting the depreciation on the parts that are replaced.
This type of add-on offers extension of geographical regions by merely paying an additional premium of Rs.500. The regions covered are mentioned below:
Installation of security devices
If your two wheeler is fitted with ARAI approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.
No claim bonus
United India Two wheeler Insurance offers you a NCB discount on your own-damage premium for every claim-free year .It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current bike and purchase a new one.
The following table shows the NCB grid:
|No. Of Years||Discount|
|One claim-free year||20%|
|Two consecutive claim-free years||25%|
|Three consecutive claim-free years||35%|
|Four consecutive claim-free years||45%|
|Five consecutive claim-free years||50%|
Membership of AAI
If your two wheeler is a member to any of the recognized Automobile Associations of India then can fetch you an extra discount
A deductible is nothing but an amount that you need to pay out during an accident or mishap. This deductible plays a major role in determining your two wheeler insurance premium. Higher the deductible, lower would be your two wheeler insurance premium. If you know you are a safe and responsible driver, opt for a higher voluntary deductible. This will help in getting the cheapest two wheeler insurance
The claims would not be admitted under the below exclusions:
United India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014
Step-by-step Claim process:
In case of an accident or an unfortunate event or loss, do follow the below step-by-step, easy and hassle-free claim process:
Immediately contact United India Two wheeler Insurance Company post an incident and inform about the date, time and place of the incident. You may also contact the city office where the incident has taken place. You may check the list of the offices on the Company’s website www.uiic.co.in
Keep the two wheeler at the accident spot/site in case of an accident which may include fire/ riots etc. till the time the surveyors visit the accident spot to survey your vehicle.
In case of any third-party injuries or death, ensure that you inform your nearest policy station about the incident and file a FIR. Inform the name of the hospital and the doctor’s name if you are getting the third-party treated in a hospital.
Post completing the above formalities you may either move or tow your two wheeler to any of the network garages nearby. Get the quotation from the network garage and submit the same to the Company along with the completed claim form. You may also visit any of the nearest office of United India Two Wheeler Insurance for a final survey of your vehicle. Submit the surveyor copy and FIR.
Ensure that the repair work to be commences only post final surveyor verifies the damage caused. Only post approving the same, you may go ahead with the repair works.
Submit the cash bills for spare parts, labour charges etc. and then get the reimbursement done, if the claim is admissible.
United India Two wheeler Insurance is a trust that is backed with a strong garage network, quality service and quick solutions. The two wheeler insurance policy of this Company provides comprehensive coverage to protect your bike in case of any accident or damage. Additional add-on covers widens the scope of the policy and with the extraordinary goodwill of the company standing by your side, United India Two wheeler Insurance is a sure consideration for your prized possession.