Insurance is like a spare tyre. You may not require it, but not having one is not an option.
Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • United India Two Wheeler Insurance Policy

     4.0 / 5.0   by 218 users
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    Plan Benefits

    Policy Coverage

    Customer Service

    Claim Experience

    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 11 1 2 3 4 5
    • United India Two Wheeler Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken Two wheeler Insurance with United India Insurance.I been holding the policy from the last 10 years.I make one time premium payment of 900 paid directly by an agent .the policy coverage amount is 25,000.I have a claim experience covered 80% of the value.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • United India Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have insured my two wheeler with the United India insurance company. I have not faced any claims with them till now and the response was not experienced. Plan benefits are good one with the United India Insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • United India Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have directly taken a two wheeler insurance service with united insurance ,the staffs of united insurance was very supportive and the payments where through online it was a good experience with united India two wheeler insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • United India Two Wheeler Insurance
      "Good Protection "
      0.5 5.0/5 "Blown Away!"
      I paid Rs.1200 as United India Insurance, for bike insurance it has the tenure of one year, I activated this policy through their website, they send policy copy on time. They are providing 100% policy coverage around Rs. 59,000 with my bike value.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 08, 2017
    • United India Two Wheeler Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a two wheeler insurance with united India ,the payments generally through cash and yearly I use to pay around 1300 as my premium for my passion plus bike and the documents have collected directly which was easy it was a fine experience with united India two wheeler insurance service.
      Was this review helpful? 0
      , indore
      Reviewed on Dec 06, 2017
    • United India Two Wheeler Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      The United India Two wheeler insurance policy has been taken along with the Bajaj Auto finance Two wheeler loan. I have paid Rs.1300 to get this policy. The plan benefits and the coverage is average with this policy and I am satisfied using this policy,
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2017
    • United India Two Wheeler Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      The Two wheeler insurance policy has been taken when I got the bike. The customer support of United India gives reminders to renew the policy on time. The plan benefits and the coverage is good with this policy . I never had any claim experience with this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 04, 2017
    • United India Two Wheeler Insurance
      "Good policy to hold"
      0.5 3.0/5 "Satisfactory"
      I have the two wheeler insurance with United India Insurance. I have been using this two wheeler insurance for more than 8 years since 2009. Annually I pay average of between Rs. 1000 to Rs. 1500. I have no claim experience till now with United India Insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 02, 2017
    • United India Two Wheeler Insurance
      "Average policy to use"
      0.5 5.0/5 "Blown Away!"
      I am renewing the 2 wheeler insurance policy with United India for past 5 years. The customer support is good with the United India because they give intimations to renew the policy on time. I have paid Rs,700 to renew the policy . The policy coverage is good with the United India 2 wheeler insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 30, 2017
    • United India Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My two wheeler insurance was taken with United India Insurance. I am using their service for 3 years. They will call me prior to the renewal. I pay premium of 1200 rupees yearly through internet banking. The payment option is very much convenient.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 30, 2017
    • United India Two Wheeler Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have directly taken a two wheeler insurance service from united India the showroom was nearby my location so the payments part was very easy I use to pay directly to the showroom for my passion pro bike also the staffs of united India two wheeler insurance was good it was a good experience with united India two wheeler insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 28, 2017
    • United India Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having the two wheeler insurance policy with the United India insurance company and the customer service is better one. I would like to say that the response is better one with the United India insurance company.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 27, 2017
    • United India Two Wheeler Insurance
      "Average policy to hold"
      0.5 3.0/5 "Satisfactory"
      Initially I had my two wheeler insurance with United India Insurance before changing it to ICICI LOMBARD GENERAL INSURANCE. I have used this two wheeler insurance from 1997 to 2012 and renewed it regularly without any fail. I don't remember how much I pay for my two wheeler insurances. Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • United India Two Wheeler Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My two wheeler insurance is from United India Insurance. The customer services are good and there are no hassles in the process. I was able to get the policy papers on time. The premium is of 1000. The benefits and coverage is good. No issues overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • United India Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My two wheeler insurance was taken with United India Insurance. It was a good service. I pay premium of 1095 rupees yearly through cheque. The customer service and response is excellent. There is no claim experience. I do get a reminder call to renew the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
    • United India Two Wheeler Insurance
      "Good safe guard"
      0.5 4.0/5 "Great!"
      I am making the premium around Rs.1600 for United India two wheeler insurance for tenure of one year, they are covering full damages of the vehicle. I have insured my Yamaha R15 worth Rs. 1.30 lakhs. There was no additional cover, I used to make the payment through offline.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2017
    • United India Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was a good experience. I have chosen United India Insurance because they are charging low premium for the insurance compared to others. The policy was taken directly from the office. I am using it for 7 years. I pay around 1300 to 1500 rupees. The payment option is convenient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2017
    • United India Two Wheeler Insurance
      "Better policy to use"
      0.5 3.0/5 "Satisfactory"
      I use the Two wheeler insurance policy with United India for past 2 years. The customer support is average with United India. I paid Rs,1300 to renew the policy last year. The plan benefits and the coverage is good with this policy. I don't have any claim experience with this policy.
      Was this review helpful? 0
      , nellore
      Reviewed on Nov 16, 2017
    • United India Two Wheeler Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      The United India has offered me a 2 wheeler insurance policy for 3 years. The customer support is good with United India , they give the reminders to renew the policy before the due date. The plan benefits and the coverage is good with this policy. I dont have any claim experience so far.
      Was this review helpful? 0
      , nellore
      Reviewed on Nov 14, 2017
    • United India Two Wheeler Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Got the 2 wheeler insurance policy with United India insurance , I paid Rs,1500 to renew the policy last year. I got this policy around 10years ago,. The customer support is good with united India and I am satisfied having the Two wheeler insurance policy with United India.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 13, 2017
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