United India Two Wheeler Insurance Policy

Overview:

United India, one of the largest general insurers in the country, offers motor insurance policies that provide comprehensive cover for all kinds of vehicles. The company also offers two wheeler insurance policy that provides coverage to two wheeler vehicle owners against various losses or damages to the vehicle as well as liabilities to third parties.

The plan is available in two varieties:

1. Package policy
2. Liability only policy

The package policy provides cover in case of accidental loss and/or damage to the insured vehicle, personal accident cover for named and unnamed persons and third party liability cover. The liability only policy deals with liability claims and excludes the damage, loss and personal accident cover components of the comprehensive package policy, though the premiums are lower in liability only policies.

Features and Benefits of United India Two Wheeler Insurance Policy:

Following are some of the major features and benefits of this policy:

• Third party liability coverage.
• Personal accident cover subject to a maximum of Rs.1 lakh per insured year.
• No claim bonus from 20% up to 50% as per the number of claim free years.
• Automobile Association Membership Discount of 5% on Own Damage premium up to a maximum of Rs.50.
• Discount if vehicles are used within insured’s own sites or premises.
• Additional discount of 2.5% up to Rs.200 if anti-theft devices installed in the vehicle.
• 50% discount for vehicles meant for blind and mentally challenged persons.
• Option to extend the geographical area by paying Rs.500 additional premium per vehicle.

United India Two Wheeler Insurance Coverage:

The policy offers cover in case of loss or damage to the insured two wheeler arising out of:

• Lightning, self ignition or fire explosion
• Theft, housebreaking or burglary
• Strike and riots
• Earthquake
• Flood, hurricane, typhoon, tempest, storm, cyclone, frost, hailstorm or inundation
• Accidental external means
• Terrorism
• Malicious act
• Road, air, lift, elevator, rail or inland waterway transit
• Rockslide or landslide

In terms of liabilities to third parties, the following are covered under the policy:

• Bodily injury or death to a person including passengers in the same vehicle as per the requirements of the Motor Vehicles Act.
• Property damage other than insured’s own properties.

In terms of personal accident cover for the insured-driver:

• 100% coverage if death occurs within 6 months of accident, subject to a maximum amount of Rs.1 lakh.
• 100% coverage if loss of both limbs, both eyes or one limb and one eye within 6 months of accident, subject to a maximum of Rs.1 lakh.
• 50% coverage if loss of one limb or one eye within 6 months of accident, subject to a maximum of Rs.1 lakh.
• 100% coverage if permanent total disablement from injuries other than pointed above within 6 months of accident, subject to a maximum of Rs.1 lakh.

The insured can claim only 1 of the above four personal accident benefits in an insurance year.

United India Bike Insurance Policy Claim Process:

In the event of a loss, damage or liability as covered by the policy, the following steps need to be taken:

• Inform the policy issuing office or the nearest United India office in person or through the phone.
• Do not remove the vehicle from spot in case of major accidents like riot or fire until an appointed surveyor comes to the location. The same should also be followed in case of accidents involving commercial vehicles.
• In case of third party damages or liabilities, inform the nearest police station in detail.
• Once the initial formalities are done, you can get the vehicle to an authorized workshop as per your wishes.
• You should collect an estimate from the shop which has to be submitted along with the claim form for the final survey.
• Any police complaints or FIRs in original if available immediately may be provided to the surveyor. The FIR copy is compulsory in case of any third party loss, damage or liability.
• The repair work can proceed only after the final surveyor gives the go ahead for it.
• Once the repairs are done, you may submit the bills to the insurer for reimbursement if the claim has been verified.
• If the vehicle has been stolen, you need to immediately notify the company as well as the police. Delay in filing complaints may result in rejection of claim. An FIR is compulsory in these cases.

United India Two Wheeler Insurance Policy General Exclusions:

The following are excluded from coverage:

• Contractual liability claims.
• Accidental damage, loss and/or liability outside of geographic area.
• Accidental damage or loss to properties and related expenses.
• Radioactive, nuclear and similar causes.
• War, mutiny, foreign aggression etc.
• Claims when the driver of the vehicle did not have a valid Driver’s License.
• Damages sustained when driving under the influence of alcohol or drugs.

United India Two Wheeler Insurance Renewal Online:

The policy may be renewed online on the official United India Insurance Company website. The process is simple and payments can be made using debit card or credit card.

United India Insurance Premium Calculator

Before you buy a two-wheeler insurance policy from United India Insurance, it is always advisable to check the premium beforehand. To do the same, use the United India Insurance Premium Calculator, select ‘Motor Insurance’, and click on ‘Go’. You will be redirected to another page where you will be needed to fill in your personal and vehicle details after which you can calculate the premium on your two-wheeler insurance.

United India Insurance Customer Care Number

Customers can get on-call support from United India Insurance with respect to the purchase, renewal, or any other claims related issue by calling them on a toll-free phone number. This service can be availed between 10.00 a.m. to 5.45 p.m. from Monday to Friday.

The toll-free customer care number is: 1-800-425-33333

United India Insurance Customer Care Email Address

To initiate a communication with the customer care team at United India Insurance, you may send your queries and concerns at the their customer care email address and the customer sales and support team will get in touch with you within a specific time period.

You can drop an email at: customercare@uiic.co.in

Contact Your Customer Care Officer

If there are issues or grievances that need immediate attention, you may get in touch with the customer care officer nearest to your location. The details of the customer care officer can be found through the Customer Care page of the official United India Insurance website. To do the same, the customer must enter their policy number, policy issuing office or the city of residence. The names of the concerned grievance officers’ will be displayed on the screen. You may send your complaints via post or email to the concerned officer.

Visit The Nearest United India Insurance Branch Office

Another way to get assistance from the customer support team at United India Insurance is to visit your nearest branch office and avail the guidance related to buying a new policy, renewing the existing policy, claims or any other insurance related issue. Following are the addresses and contact numbers of the United India branch offices in important Indian cities.

Registered & Head Office

United India Insurance Co. Ltd.

24, Whites Road,

Chennai - 600014

Ph: 91-044-28520161

Corporate Learning Centre

'NALANDA' Corporate Learning Centre.

United India Insurance Co. Ltd.

No.19, IV Lane(Beside M.O.P Vaishnav College)

Nungambakkam High Road

Chennai – 600 034, Tamil Nadu, India

Ph: 91-044- 28332220/ 28330421

New Delhi:

Branch Name	Office Address	Phone Number (If Available)
ND Service Hub	ND Service Hub, Kanchenjunga Building,18, Floor No.8, Barakhamba Road, Barakhamba, New Delhi-110001	011-0023327887, 0041512282, 0041500588
MO Jhilmil	Mo Jhilmil, Satguru Market, 416/1 & 2, Floor No.1, Karkardooma, New Delhi -110091	011-0022371666
MO Gandhi Market	Mo Gandhi Market, C-1 Main Road Near Bullet Showroom, Opp. Metro Pillar No. 110, Kanti Nagar New Delhi-110051	000011-0022096067
MO Pitampura	MO Pitampura, 256, Aggarwal City Mall Road No.44, Near M2k Pitampura, New Delhi-110034	011-0041548345
MO Shastri Nagar	MO Shastri Nagar, B-1073, Shastri Nagar, New Delhi-110052
MO Janak Puri	MO Janak Puri, G-22, Vardhman, Janak Market CSC, A-2B Janakpuri, New Delhi-110058	011-0049423736
MO Yamuna Vihar	MO Yamuna Vihar, Vardhman Complex, 202, Floor No.2, Block-C2, Yamuna Vihar, New Delhi-110053	011-0043628346
MO Khajuri	MO Khajuri, F-249, Floor No.1, Main Wazirabad Road, Khajuri Khas, New Delhi-110008	011-0022183063
MO Khichripur	MO Khichripur, H.No. 214, Floor No.1, Main Road, Khichripur Village, New Delhi-110091	011-0022726148
MO Kalkaji	Mo Kalkaji, Govindpuri Extension, 1770-A-4/8, Kalkaji, Govindpuri, New Delhi-110019	011-0026024071

Bengaluru:

Branch Name	Office Address	Phone Number (If Available)
RO Bengaluru	RO Bengaluru, Krishi Bhavan, Floor No.5th & 6th, Hudson Circle Nrupathunga Road, Bengaluru-560001
OD Hub Bengaluru	OD Hub Bengaluru, Krishi Bhavan, Floor No.6, Hudson Circle Nrupathunga Road, Bengaluru-560001	080-0022534007, 0022534037, 0022534038
TP HUB Bengaluru	TP Hub Bengaluru, Krishi Bhavan, Floor No.6, Hudson Circle Nrupathunga Road, Bengaluru-560001	080-0022534003, 0022534046, 0022534043
DO 1 Bengaluru	DO 1 Bengaluru, Jelitta Towers, NO.21/1, Floor No.1, Mission Road, Bengaluru-560027	080-0022233318, 0022223309
BO H Siddaiah R	Bo H Siddaiah R, Jwalamukhi Complex, No.6, Siddaiah Road, Bengaluru, Bengaluru-560027	080-0022223313, 0022226377
DO 3 Bengaluru	DO 3 Bengaluru, T K N Mansion, No.93, Floor No.1, Double Road, Shanti Nagar, Bengaluru-560027	080-0002221062, 0022214783
MO Nagashettyhalli	MO Nagashettyhalli, 122, Floor No.1, 18 ft. Road Near Canara Bank, Geddalahalli Ashwath Nagar, Bengaluru-560094
DO 4 Bengaluru	DO 4 Bengaluru, 19-19/1, Floor No.2, South End Road, Basavanagudi, Bengaluru-560004	080-0026347553, 0026549792, 0026549259
BO Jayanagar	BO Jayanagar, Manandi Court, 346 17-01, Floor No.1, 27th Cross, 3rd Block, Jayanagar, Bengaluru-560011	080-0026632690, 0026658277
MO Bilekahalli	MO Bilekahalli, Shop No.2, No.351, Floor No.1, Bannerghatta Road, Opp. Pai Electronics, Bilekahalli, Bengaluru-560076	080-9845400092

Mumbai:

Branch Name	Office Address	Phone Number (If Available)
RO 1 Mumbai	Ro 1 Mumbai, Stadium House, Floor No.5, Veer Nariman Road, Churchgate, Mumbai-400020	022-0022851834, 0022839823, 0022851835
Od Hub Mumbai	Od Hub Mumbai, Stadium House, Floor No.5, Veer Nariman Road, Churchgate, Mumbai-400020	022-0022024191, 0022832581
DO 1 MUMBAI	DO 1 Mumbai, Universal Insurance Building, Floor No.1, Sir P M Road, Fort, Mumbai-400001	022-0022885978, 0022870114, 0022870638
DO 3 Mumbai	DO 3 Mumbai, Mehta House, Floor No.2, Mumbai Samachar Marg, Fort, Mumbai-400023	022-0022673076, 0022660848, 0022660210
DO 4 Mumbai	DO 4 Mumbai, Mercantile Bank Chambers, Floor No.3, Cawasji Patel Street, Fort, Mumbai-400001	022-0022870047, 0022043924, 0022043980
MO Kandivali	MO Kandivali, Profit Center, G/93, Na, Mahavir Nagar, Mumbai-400067	022-9619778061
DO 5 Mumbai	DO 5, Mumbai, Cambatta Building, 42, Floor No.3, Maharshi Karve Road, Above Eros Cinema, Churchgate, Mumbai-400020	022-0022872168, 0022820440, 0022820466
DO 6 Mumbai	DO 6 Mumbai, Jehangir Building, 133, Floor No.1, M.G. Road, Fort, Mumbai-400001	022-0022673960, 0022674012, 0022674014
DO 7 Mumbai	DO 7 Mumbai, Canada Building, 226, Floor No.1, Dr. D. N. Road, Fort, Mumbai-400001	022-0022074711, 0022074712, 0022074713
MO Kalwa	MO Kalwa, Siddhi Samrudhi CHS, Shop No.3, Old Mumbai-Pune Road, Kalwa Naka, Mumbai-400605	9920774177, 9870653909

Chennai:

Branch Name	Office Address	Phone Number (If Available)
Head Office	Head Office, United India, 24, Whites Road, Chennai-600014	044-0044285752
LC Chennai	LC Chennai, Nalanda, 19, 4th Lane Uthamar Gandhi Salai, Nungambakkam High Road, Chennai-600034
RO Chennai	RO Chennai, Silingi Buildings, 134, Floor No.4, Greams Road, Thousand Lights, Chennai-600006	044-0028293933, 0028290667
Motor OD Hub	Motor OD Hub, Silingi Building, 134, Floor No.1, Greams Road, Chennai-600006	044-0028291629, 0028291203, 0028291204
Motor TP Hub	Motor TP Hub, Silingi Buildings, 134, Floor No.4, Greams Road, Thousand Lights, Chennai-600006	055-0028293933
Non Motor Claim	Non Motor Claim, Silingi Building, 134, Greams Road, Chennai-600006	044-0028291534, 0028291535
DO 1 Chennai	DO 1 Chennai, Dare House Extension, 17, Floor No.3, Rajaji Road, Parrys, Chennai-600001	044-0025340958, 0025340645, 0025340646
BO Thambu Chetty	Bo Thambu Chetty, Door No.166 ,Thambu Chetty Street, Parrys, Chennai-600001	044-0025359884, 0025340172
BO Gee Gee Comp	Bo Gee Gee Complex, 42, Floor No.1, Anna Salai, Chennai-600002	044-0028547287, 0028592511
DO 2 Nungambakkam	DO 2 Nungambakkam, Ganga Griha, No.6, Floor No.2, Nungambakkam High Road, Chennai-600034	044-0028270296, 002827932

United India Two-wheeler Insurance FAQs

1. What are the discounts offered by United India Insurance on two-wheeler packages?

   The following discounts are offered by the insurer on two-wheeler insurance packages:

   • No-Claim Bonus - NCB ranges from 20% to 50%, based on the number of claim-free years.
   • Automobile Association of India (AAI) membership - Discount of 5% on the own-damage premium, subject to a maximum of Rs.50 for motorised two-wheelers.
   • Installation of anti-theft devices - A discount of 2.5% on the own-damage component of premium.
   • 50% discount on the own-damage premium if the vehicle is used by a handicapped, blind, or mentally-challenged individual.
2. Do I have to bear additional premiums for installing CNG/LPG bi-fuel kit in my vehicle?

   Two-wheelers fitted with CNG/LPG bi-fuel kits will have to be declared separately and premium will be charged at the rate of 4% on the value of the kit.

3. My policy is due for renewal. How soon can I renew it?

   The insurer allows you to renew your two-wheeler insurance policy only 30 days before the expiry date. You have time till the due date to pay the premium.

4. Can I renew my expired policy through the online channel?

   United India Insurance does not allow you to renew expired policies online. You will have to approach an insurance agent or visit the office of the insurer for the same. A list of the branch offices of the insurance company can be found at the official United India Insurance website.

5. I had bought my two-wheeler insurance policy a year ago from a branch office of United India Insurance. Can I download a copy or check the status of the policy online?

   This facility is currently not available on the insurer’s website. You can download a copy or check the status of a policy online only if it was renewed/bought through the insurer’s website.

6. What premium payment channels are authorised by the insurer?

   You can pay premiums through any of the following channels:

   • Internet banking
   • Debit card
   • Credit card
   • IMPS
7. I have made a duplicate payment and the amount was deducted from my account twice. How do I get a refund?
   • You should always note down the following information at the time of making a premium payment:
     • Transaction ID
     • Transaction date
     • Amount paid
     • Name of the insured/payee
   • Send these details to online.policy@uiic.co.in
   • The insurer will initiate a refund which will be processed within 5 business days.
8. I would like to get a hard-copy of my policy documentation. How do I request for it?

   A policy is always sent to the email ID that you furnished at the time of purchase. The insurer does not provide hard copies of the policy documentation even if you place a request for it.

9. Is it possible to cancel a two-wheeler insurance policy online?

   Yes, policies that were originally bought online can be cancelled online. You will be required to send a cancellation request through email to online.policy@uiic.co.in. You will also have to provide policy details in the email. Refund for the policy will be made as per the company rules.

10. What is cashless claim facility?

    The United India two-wheeler insurance policy coverage includes cashless claim facility. In the event of an accident, the policyholder can choose to get the bike repaired at any of the network garages affiliated to the insurance company. The cashless claim facility is particularly useful as the policyholder is not required to pay for the repair work up front. The insurer will settle the bills directly with the garage. The policyholder will only need to pay a minimal amount corresponding to deductibles.

    Additionally, network garages also offer optimised services to customers. You can be assured of quality work and competitive pricing for repairs done at network garages.