• United India Two Wheeler Insurance Policy

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    Plan Benefits

    Policy Coverage

    Customer Service

    Claim Experience

    Two Wheeler Insurance
    • Get liability-only and comprehensive cover
    • Cashless garages available
    • Hassle-free online buy/renewal offered by insurers

    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 package policy that provides coverage to two wheeler vehicle owners against various losses or damages to the vehicle as well as liabilities to third parties.


    Key Benefits Of United India Two Wheeler Insurance

    01
    02
    03
    Discounts

    Discounts

    Policyholders can get a No Claim Bonus ranging from 20% to 50% depending on the number of claim-free years.

    Accidental Cover

    Accidental Cover

    Policyholders can get personal accident cover up to a maximum of Rs. 1,00,000 per insured year.

    Online Renewal

    Online Renewal

    When the policy is about to expire, policyholders can renew it online.


    Add-on Covers For United India Two Wheeler Insurance

    01
    Third Party Cover

    Third Party Cover

    Maximum cover for third-party property damage will be Rs. 1,00,000 in the case of two-wheelers.


    Inclusions And Exclusions In United India Two Wheeler Insurance

    01
    02
    Inclusion

    Inclusion

    Loss or damage to the insured vehicle due to fire / earthquake / flood / cyclone

    Exclusion

    Exclusion

    Damage by a person driving under the influence of liquor / alcohol / drugs


    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:

    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 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.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    Two-Wheeler Insurance Reviews

  • Page 1 of 14 1 2 3 4 5
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 1 year and it is a good insurance to use. I pay a premium of Rs 1200-1500 which has to be paid every year for this insurance. I do not have claim experience so far with this insurance and i am happy with the coverage value of this insurance.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 28, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 4.5 years and it is a good insurance policy. I have to pay a premium of Rs 1200 which has to be paid every year for this insurance. I do not have claim experience so far with this insurance and i have a coverage value of 60-70%.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 27, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 2 months and it is one of the good policy to use. I pay a premium of Rs 1000 which has to be paid every year for this insurance. I do not have claim experience so far with this insurance and the coverage value is 60-70% which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 24, 2018
    • United India Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 2 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 1200 for this insurance. I do not have claim experience so far with this insurance and i am happy with the coverage of this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 24, 2018
    • United India Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance service with United India. The payments options are through online. I am paying 1400k yearly. The documents process was been easy they collected from my door step. It was totally a good experience with United India two wheeler insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 23, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Around 12 years, I am holding the two wheeler insurance policy from the UNITED INDIA INSURANCE company, The claim is very good from the UNITED INDIA INSURANCE company for the two wheeler insurance . The plan benefits and the coverage is good with this policy .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2018
    • United India Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The policy coverage is good with the UNITED INDIA INSURANCE company . I have the two wheeler insurance policy with the UNITED INDIA INSURANCE company for the past 2 years. The customer support service is good with the UNITED INDIA INSURANCE they give intimations on time to renew the policy .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • United India Two Wheeler Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a two wheeler insurance with United India Insurance from last 4 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1300 for this insurance. I do not have claim experience so far with this insurance and the coverage of this insurance is 100%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 05, 2018
    • United India Two Wheeler Insurance
      "Good Coverage"
      0.5 5.0/5 "Blown Away!"
      It's a good Insurance policy that I have taken. I have been paying Rs.1500 as an annual premium for this Insurance. For the past 5-6 years I have been holding the same Medical Insurance. The company is a pretty good one to have the Insurance with. The payment option is also pretty easy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Mar 01, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 1 year and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1600 for this insurance. I do not have claim experience so far with this insurance and i am happy with the coverage of this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 27, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 5 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1200 for this insurance. I do not have claim experience so far with this insurance but i am satisfied with the coverage and benefits of this policy.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Feb 24, 2018
    • United India Two Wheeler Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Two wheeler insurance with United India Assurance,the premkum account is 1906 per annum,agent will come The policy coverage is 30%,i have no claim experience with them till date.This was taken two years ago.I closed this insurance long back.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • United India Two Wheeler Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I took my bike insurance with United India before 3 years. The customer service was good. I don't have any claim experience. The policy coverage was good. The plan benefits are average when compared to other companies. I am paying yearly 1200 rupees for the insurance.
      Was this review helpful? 0
      , kochi
      Reviewed on Feb 12, 2018
    • United India Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I use the UNITED INDIA INSURANCE two wheeler insurance policy for the past 5 years. I have paid Rs,1050 to renew the policy last year. The customer support service is average with the UNITED INDIA INSURANCE. They give the intimations to renew the policy before the due date. The policy coverage is better with the UNITED INDIA INSURANCE company.
      Was this review helpful? 0
      , kakinada
      Reviewed on Feb 09, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a two wheeler insurance with United India Insurance from last 5 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1000 for this insurance. I do not have claim experience so far with this insurance and i have a coverage of 70% which is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 09, 2018
    • United India Two Wheeler Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have two wheeler, which got insured with the United India Insurance company. Everything will be depends up on the depreciation value. Service aspects are good one with the United India Insurance company. I am really happy with them till now
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 07, 2018
    • United India Two Wheeler Insurance
      "Best Cover"
      0.5 5.0/5 "Blown Away!"
      I am a staff of United India Insurance, they are providing proper claim process. But ICICI Lombard premium is higher, United India premium is lower around Rs. 2800 for one year, IDV value is also good around Rs. 1.10 lakhs with third party, road side assistance.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 06, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I bought the two wheeler insurance from the UNITED INDIA INSURANCE company and I have got this policy around 4 years ago. This policy has the coverage up to one year. I have paid Rs,2300 to renew the policy from the UNITED INDIA INSURANCE company.
      Was this review helpful? 0
      , hosur
      Reviewed on Feb 06, 2018
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with United India Insurance from last 2 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1500 for this insurance. I do not have claim experience so far with this insurance. I have a coverage up to 60-70% which is quite satisfactory.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 02, 2018
    • United India Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I renew my two wheeler insurance policy from UNITED INDIA INSURANCE. The customer support was good with the UNITED INDIA INSURANCE, because they give intimations on time to renew the two wheeler insurance policy. I have paid Rs,1400 to renew the policy last time. This policy has the tenure of 1 year.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Feb 01, 2018
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