United India Two Wheeler Insurance

• Personal Accident Cover: Coverage of up to ₹15 lakh for the owner-driver.

• No Claim Bonus: Discount benefits of up to 50% on claim-free renewals.

• Network Garages: Access to 3,100+ authorised garages across India.

• Third-Party Liability Cover: Financial protection against third-party injury, death, and property damage.

• Own Damage Protection: Covers damages caused by accidents, theft, fire, floods, earthquakes, riots, and terrorism.

• Transit Coverage: Protection against damages during transport via road, rail, air, or inland waterways.

• Cashless Repairs: Cashless claim settlement available at network garages.

• 24x7 Customer Support: Round-the-clock assistance for claims and policy-related queries.

• Add-On Covers: Optional covers like Zero Depreciation and NCB Protection are available.

United India Bike Insurance offers multiple policy options designed to provide financial protection against third-party liabilities, own damage expenses, theft, accidents, and unforeseen road risks.

1. Comprehensive Bike Insurance Policy

The United India Comprehensive Bike Insurance Policy offers all-around protection by covering both own bike damages and third-party liabilities. It protects the insured two-wheeler against accidents, theft, fire, natural calamities, riots, strikes, and transit-related damages.

2. Third-Party Bike Insurance Policy

The United India Third-Party Bike Insurance Policy provides mandatory legal coverage against third-party bodily injuries, death, and property damages caused by the insured bike. This policy does not cover damages to the insured vehicle.

3. Own Damage Bike Insurance Policy

The United India Own Damage Bike Insurance Policy covers repair and replacement expenses for damages caused to the insured bike due to accidents, theft, fire, floods, earthquakes, and other insured events. It can be purchased along with an active third-party policy.

4. Personal Accident Cover

United India Bike Insurance also offers Personal Accident Cover of up to ₹15 lakh for the owner-driver in case of accidental death or permanent disability arising from a road accident.

The United India Bike Insurance Policy provides financial protection against multiple insured risks for the policyholder and the insured two-wheeler.

• Accidental Damages: Covers repair costs arising from road accidents or collisions.

• Theft or Burglary: Compensation provided in case the insured bike is stolen or suffers burglary-related loss.

• Fire Damage: Covers losses caused by fire, self-ignition, explosion, or lightning.

• Natural Calamities: Protection against floods, cyclones, earthquakes, landslides, storms, and inundation.

• Man-Made Disasters: Covers damages caused by riots, strikes, malicious acts, and terrorism.

• Third-Party Liability: Covers legal liabilities arising due to injury, death, or property damage caused to a third party.

• Transit Damage: Covers damages occurring while the bike is transported through road, rail, air, elevator, lift, or inland waterways.

• Personal Accident Cover: Provides compensation of up to ₹15 lakh for accidental death or permanent disability of the owner-driver.

The following situations and losses are generally excluded under the United India Bike Insurance Policy wordings:

• Normal Wear and Tear: Regular ageing, depreciation, and routine maintenance expenses are not covered.

• Mechanical or Electrical Breakdown: Damage caused by mechanical failure or electrical malfunction is excluded.

• Drunk Driving: Claims arising when the rider is under the influence of alcohol or drugs are not admissible.

• Driving Without Licence: Losses occurring when the rider does not possess a valid driving licence are excluded.

• Consequential Losses: Indirect losses resulting from an accident are not covered.

• Intentional Damage: Damages caused deliberately or due to negligence are excluded.

• War or Nuclear Risks: Damages caused by war, invasion, or nuclear risks are not covered.

• Policy Condition Violations: Claims arising due to the violation of policy terms and conditions may be rejected.

Buying a United India Bike Insurance Policy online through Coverfox is quick, paperless, and completely digital. Follow the steps below to compare plans, customise coverage, and purchase your policy instantly.

Step 1: Visit the Coverfox Bike Insurance Page

Go to the official two-wheeler insurance section on Coverfox Bike Insurance.

Step 2: Enter Your Bike Registration Number

Provide your bike registration number to fetch vehicle details automatically. If your bike is new, you can proceed by entering the bike model manually.

Step 3: Fill in Bike & Owner Details

Enter details such as:

• Bike model and variant

• Manufacturing year

• RTO location

• Previous policy details

• Owner information

Step 4: Compare United India Bike Insurance Plans

Choose from available United India Bike Insurance coverage options, including:

• Comprehensive Bike Insurance

• Third-Party Bike Insurance

• Own Damage Bike Insurance

Step 5: Select Add-On Covers

Enhance your policy coverage with optional add-ons such as:

• Zero Depreciation Cover

• NCB Protection Cover

• Roadside Assistance

• Engine Protection Cover

Step 6: Review Premium & Coverage

Check the premium amount, Insured Declared Value (IDV), inclusions, exclusions, and add-on benefits before proceeding with payment.

Step 7: Make Online Payment

Pay securely using:

• UPI

• Debit Card

• Credit Card

• Net Banking

Step 8: Receive Policy Instantly

Once the payment is successful, the United India Bike Insurance Policy document is instantly shared on your registered email ID.

United India Bike Insurance offers reliable coverage, financial security, and convenient policy benefits to protect your two-wheeler against unexpected risks and damages.

• Government-Backed Insurer:

United India Insurance is a trusted public sector insurance company with decades of industry presence.

• Comprehensive Financial Protection:

Covers accidents, theft, fire, natural disasters, and third-party liabilities under a single policy.

• Wide Garage Network:

Access to 3,100+ authorised garages for smoother repair and claim support.

• Cashless Claim Facility:

Enables cashless bike repairs at network garages, reducing immediate out-of-pocket expenses.

• No Claim Bonus Savings:

Earn up to 50% NCB discount for every claim-free renewal year.

• Customisable Coverage:

Option to enhance protection with add-ons like Zero Depreciation and NCB Protection.

• Transit Damage Protection:

Covers damages occurring while transporting the insured bike through road, rail, air, or inland waterways.

• Quick Online Policy Issuance:

Buy or renew policies digitally with minimal paperwork and instant policy delivery.

• 24x7 Customer Assistance:

Dedicated customer support available for policy servicing and claim-related assistance.

Customer Care Number: 1800 425 333 33

Email Support: customercare@uiic.co.in

Customer Support Timings: Monday to Friday, 10:00 AM to 5:45 PM

Head Office Address: United India Insurance Co. Ltd., 24, Whites Road, Chennai – 600014

Official Website: United India Insurance Customer Support

Branch Support: Policyholders can also visit the nearest United India Insurance branch office for offline assistance and claim-related support

Disclaimer

The information provided above is for general informational purposes only and may vary depending on the policy type, add-ons selected, vehicle details, and insurer terms & conditions. Policy coverage, exclusions, claim settlement, premium rates, and benefits are subject to the final policy wordings issued by United India Insurance Company Limited and applicable IRDAI guidelines. Customers are advised to carefully read the policy documents before purchasing or renewing a bike insurance policy.