United India Two Wheeler Insurance Policy

About United India Insurance Company

Incorporated in 1938, United India Insurance Company Limited was nationalised in 1972 as a result of a merger between several insurance companies, foreign insurers, and Life Insurance Corporation of India’s southern insurance operations. The company serves the needs of over 1 crore policyholders with one of the largest network of over 1340 offices in India. It offers a range of insurance products from insuring bullock carts to satellites.

United India Insurance Two-Wheeler Insurance Overview:

United India Two-Wheeler Insurance Policy

United India Insurance Company offers various insurance plans for two-wheelers that cover vehicle owners/riders against unforeseen situations causing loss or damage to their vehicles or a third person and their properties.

Benefits of United India Two Wheeler Insurance

United India Two Wheeler Insurance offers insurance policies that provide comprehensive protection for your motor vehicle. It is mandatory to at least have a liability-only cover for your motor vehicle as per the rules of the government. United India Two Wheeler Insurance also offers the minimum third-party liability cover. Analyse the number of advantages of the policies from the video below and choose the one that is most suitable for you and your motor vehicle.

Types of Bike Insurance Policies Offered By United India Insurance Company

The company primarily offers two types of motor insurance policies which include the Liability Only Policy and Package Policy. While the Liability Only Policy only covers the losses or damages done or bodily injuries or death caused to a third party, a package policy offers a greater level of coverage that includes own damage as well as third-party liabilities.

Coverage Offered Under United India Two-Wheeler Insurance Package Policy

The Package Policy offers coverage against loss or damage to the vehicle or and its accessories in the below mentioned circumstances:

• Accident by external means.
• Damage or loss to the vehicle due to self-ignition, fire, and lightning.
• Damage or loss caused to the vehicle due to housebreaking, burglary, or theft.
• Damage or loss to the vehicle due to terrorist activity.
• Man-made damages, riots, strikes and other malicious acts.
• Natural disasters such as earthquake, cyclones, inundation, landslide, and others.
• Damage to the vehicle caused in transit.

Coverage Offered Under Third-Party Liability Bike Insurance Policy

• Liabilities arising out of bodily injury and or death caused to a third person and damages caused to their property
• Personal accident cover for the vehicle owner or driver

Exclusions Under United India Two-Wheeler Insurance Policy

The following are not payable under the liability only policy offered by United India Insurance Company.

• Liabilities contractual in nature
• Drunken driving, war perils, and nuclear attack
• Loss of consequential nature
• Depreciation in the value of the vehicle due to normal wear and tear
• Mechanical or electrical breakdown of the vehicle
• Damage caused to the vehicle due to a person driving the vehicle under the influence of alcohol or drugs
• Damage caused to the vehicle by a rider not holding a valid driving license
• Claims made outside the geographical area covered under the policy
• Claims made for vehicles used against their limitations of use under the policy

Discounts Available On Purchasing United India Two-Wheeler Insurance Policy

• A No Claim Bonus can be availed in the range of 20% to 50% if the policyholder has not made any claim on their motor insurance policy in the preceding years. The percentage of NCB is subject to the number of claim-free years.
• 5% discount on own damage premium (up to Rs.50 for two-wheelers) for members of Automobile Association.
• A discount of 2.5% can be availed on the Own Damage (OD) premium by installing an ARAI (Automotive Research Association of India) approved anti-theft device to the vehicle.
• A discount of 50% can be availed on OD premium for vehicles designed for use of physically or mentally challenged individuals.

Additional Coverage Available

The coverage offered under United India two-wheeler insurance policy can be extended by payment of additional premium. The coverage can be enhanced by opting the following covers:

• Extension Of Geographic Area Covered Under The Policy: The coverage of the policy can be extended to countries including Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, and Maldives by paying a certain amount of premium in addition to the base premium.
• Personal Accident Cover: Personal accident cover can be opted for named or unknown individuals travelling with the rider.
• Electrical / Electronic Fittings: Electrical and electronic fittings that do not come default with the manufactured vehicle can be covered by paying an additional premium of 4% on the cost of such installations.

Making Insurance Claim

The policyholder can register his/her motor insurance claim online through the official website of United India Insurance Company. To do the same, the policyholder needs to enter their policy number and vehicle registration number and follow the instructions as directed on the website.

Buy/Renew United India Two-Wheeler Insurance Policy Online

Customers can easily buy a new motor insurance policy or renew their existing insurance policy through the official website of United India Insurance Company. All they are required to do is enter a few basic details about their vehicle, calculate the premium, and make payment through various online payment options available.

United India Insurance Customer Care Contact Information

United India Insurance Email Address:

For any queries or concerns related to motor insurance policy offered by the insurer, you may write an email at the below-mentioned email address:

customercare@uiic.co.in

Visit United India Insurance Branch Office

You may also buy or renew your two-wheeler insurance policy online by visiting your nearest United India Insurance branch office. The following are the addresses and phone numbers of United India Insurance branch offices in some of the metro cities in India. You may use the ‘Branch Locator’ feature on the website to locate your nearest branch office.

Bangalore

Mumbai

Delhi

Chennai

Kolkata

United India Insurance Two-Wheeler Insurance FAQ's

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.

Disclaimer

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