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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.
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
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.
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:
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:
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.
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:
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:
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.
You cannot renew your United India two wheeler insurance policy under the below circumstances:
Yes, United India Two wheeler insurance company would issue you an insurance policy even if the owner of the vehicle does not hold a driver’s licence.
You can avail the NCB only if you renew your expired two wheeler insurance policy within 90 days (grace period) from the date of expiry. However, the United India Two wheeler insurance Company would reject your NCB feature if you fail to renew your expired two wheeler insurance within the grace period.
Your two-wheeler insurance premium is calculated by taking into account factors such as Add-on covers, your bike’s cubic capacity, your registration zone as well as the IDV.
No claim bonus (NCB) is offered only in case of claim-free years. Therefore, in case of a claim, you lose out on your NCB and your two-wheeler insurance automatically increases in the following year.
Consuming alcohol while driving is an offence as per the Indian law. In case you are found guilty and were in an intoxicated state during an incident, your claim under the ‘own damage” policy would be rejected.