United India Two Wheeler Insurance

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United India Bike Insurance

Read all about United India Two Wheeler insurance / Bike Insurance Plan online on Coverfox. United India Two Wheeler Insurance is a comprehensive motorbike insurance plan introduced by United India Insurance Company. The United India Insurance Company is a nationalized general insurance company with over 2276 offices. The insurer has successfully catered to more than 1.74 crore policy holders.

It offers 50% discount for two wheeler used by blind and mentally challenged persons.

A few of the most prominent infrastructure plans covered by United India are ONGC Ltd , GMR- Hyderabad International Airport Ltd, Mumbai International Airport Ltd Tirumala-Tirupati Devasthanam. In terms of two wheeler insurance, the insurer provides a comprehensive two wheeler insurance policy package and liability only policy.

Key Features – United India Bike Insurance

  • Third Party Cover: Offers third-party insurance cover in case of death or bodily injury of a third-party, property damage to the third-party up to Rs.1 lakh and personal accident cover for the owner driver
  • Guaranteed compensation: Offers guaranteed compensation if your two wheeler is robbed or damaged in an accident
  • Basic cover + Personal accident cover for passengers: Offers a basic two wheeler insurance cover along with personal accident cover for an amount of Rs.1 lakh for the co-passenger
  • Online facility: This Company offers online purchase and renewal for your two wheeler insurance via a debit card, credit card or net banking
  • Extension: This Company offers extension of geographical area by paying an additional amount of Rs.500

Key Benefits – United India Bike Insurance

  • Claim settlement: Offers efficient, quick and hassle-free claim settlement services
  • Customer Service: This Company has an excellent team of customer service that offers good and hassle-free pre-sales as well as post-sales services
  • Discounts: This Company offers discounts like no claim bonus which ranges from 20% to 50% which depends on the claim-free years
  • Add-ons: This Company offers essential add-ons for your two wheeler at an affordable costs. These add-ons enhance your basic two wheeler insurance. Example: Nil Depreciation etc.

Coverage of United India Bike Insurance

United India Insurance offers tailor-made [two wheeler insurance plans](https://www.coverfox.com/two-wheeler-insurance/) 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 Bike insurance coverage offered by United India Two wheeler Insurance:

Third- Party liability insurance

  • This policy covers the liabilities to the third party in case of an accident. The liability coverage goes for accidental death, physical injury and/or the damage to vehicle and property
  • This plan also includes the personal accident coverage for the owner-driver as well
  • Unlimited coverage is provided for death or injury of third party while up to Rs.1 Lakh are covered for property damage

Own Damage Two Wheeler insurance

United India Two wheeler Insurance offers a comprehensive coverage for you and your prized possession. They offer the below coverages:

  • Natural calamities like floods, inundation, typhoon, cyclone, hurricane, storm and hailstorms
  • Landslides and rockslides
  • Earthquake (both shock and Fire)
  • Fire, self-ignition, lighting or explosion
  • Terrorist and Malicious activities
  • Strikes and Riots
  • House breaking, burglary and theft of two wheeler

Personal Accident Cover

  • In traumatic and unforeseen situations like an accident, having a personal accident insurance would act like an income replacement
  • United India Two wheeler Insurance will pay the sum insured of Rs.1 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death

Type of Injury Compensation Level in case of personal accident cover for owner-driver

  • Death - 100%
  • Loss of two limbs or sight of two eyes or one limb and sight of one eye - 100%
  • Loss of one limb or sight of one eye - 50%
  • Permanent total disablement from injuries other than named above - 100%

Add-on Features – United India Two Wheeler Insurance

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.

Zero Depreciation Cover

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.


  • All plastic parts without depreciation.
  • All metal parts without depreciation.
  • The entire amount of all the parts of your bike that requires replacement are compensated in full


  • The amount of total deductible mentioned in the policy schedule.
  • Any damage caused due to mechanical breakdown and any uninsured peril
  • Any damage caused to items that are uninsured as per the policy wordings like accessories and bi-fuel/gas kit
  • Any claim raised for theft of parts and/or accessories.

Extension of Geographical area

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:

  • Nepal
  • Bhutan
  • Bangladesh
  • Srilanka
  • Maldives
  • Pakistan

Eligibility of United India Two Wheeler Insurance

Every two-wheeler plying on the Indian roads are mandated to have a two-wheeler insurance. United India Two Wheeler Insurance Company’s eligibility criteria to possess a two-wheeler insurance plan is mentioned below:

  • Valid Registration Certificate (RC Book): The Two wheeler should be registered at the regional transport office for availing a two wheeler insurance policy.
  • Alterations and modifications: In case your two-wheeler is modified, it is important to inform the insurer since United India Two wheeler Insurance Company usually rejects to issue insurance to bike’s that are modified
  • Payment: You will have to make the payment of the two wheeler insurance policy purchased to get your two-wheeler insured from the United India Two wheeler Insurance Company
  • Transfer of policy: It is important that you get the ownership transferred if you sell your two-wheeler. These formalities need to be done within 14 days of the transfer date as recorded by the insurer. A fresh insurance certificate is issued to the new registered owner of the two-wheeler. The claims if any would be declined in case the transfer of ownership is not done within the stipulated 14 days.
  • Renewal: The renewal of your two-wheeler insurance needs to be on time. In case you miss the renewal date, the United India Two wheeler insurance Company will ask for the two-wheeler inspection. Therefore, it is important to renew your two-wheeler insurance policy on time, to avoid any hassles.

Discounts offered – United India Two wheeler Insurance

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

Voluntary discounts

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

Exclusions – United India Two wheeler Insurance

The claims would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process – United India Bike Insurance

Contact Details:

  • United India Insurance Co. Ltd.
  • 24, Whites Road,
  • Chennai - 600014
  • Ph :91-044-28520161
  • Web Site: www.uiic.co.in
  • Email: customercare@uiic.co.in

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: Review

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.

Frequently Asked Questions