united-INDIA-insurance

United India Two Wheeler Insurance

United India Insurance was incorporated in the year 1938. After the nationalization of the insurance in 1972, 12 Indian Insurance companies, 4 cooperative insurance societies and Indian operations of 5 foreign insurers, besides General Insurance operations of Southern Region of LIC merged to form United India Insurance

With over 1800 offices and 10000+ work force, the company has provided Insurance policies to over 1.74 crore policyholders. The company has a diverse range of non-life insurance products that covers satellites to even bullock carts. Some of their prestigious clients include ONGC Ltd, GMR Hyderabad International Airport, Mumbai International Airport, Tirumala Tirupathi Devasthanam etc. They have also made their presence felt in tier-2 and tier 3 towns with over 1000+ Micro Offices.

Types of Insurance Policies at United India Insurance

  • Package Policy or Comprehensive Policy
  • Third Party Liability Coverage

Benefits of United India Two Wheeler Insurance

By purchasing your bike insurance at United India Insurance, you can get access to the following benefits,

  • Quick and Easy Claim Settlement
  • Discounts such as NCB upto 50%
  • Excellent Customer Service
  • Multiple Add-ons for additional protection

Inclusions in a United India Two Wheeler Insurance Policy

  • Accidental external means
  • Fire Self ignition
  • Third Party Liabilities
  • Burglary and theft
  • Fire, Self-ignition
  • Natural disasters like Cyclone, EarthQuake, Tsunami
  • Man-made disasters like riots, strikes, and terrorist activities
  • Damage or loss during transit via road, rail, air, or waterways
  • Landslide
  • For accessories that are damaged due to burglary and theft, it can be covered on payment of an additional premium of 3% of the IDV

Exclusions in a United India Two Wheeler Insurance Policy

  • Contractual liability
  • Driving without a valid license
  • Mechanical or Electrical breakdown
  • Drunk driving
  • Consequential losses, depreciation, wear and tear
  • Loss due to war and nuclear activity
  • Usage of vehicle out of the geographically area
  • For a third party liability policy, own damage is not covered

What are the discounts in premium?

At United India Insurance, you can avail the following discounts on premium,

  • Vintage cars – 25% on the OD rates for cars manufactured prior to 31.12.1940 and certified by the Vintage and Classic Cars club of India
  • NCB – A No Claim Bonus upto 50% depending upon the claim free years
  • Automobile Association Membership – Discount of 5% on the Own Damage Premium subject to a maximum of Rs. 50
  • Discount for Anti-theft devices – A discount of 2.5% on the Own Damage component subject to a maximum for Rs. 200 on installation of Anti-theft devices
  • 50% Discount on the premium for specially designed vehicle for the physically challenged
  • A Discount of 33 % on tariff rate for usage of vehicles within the Insured’s premises

Extension of Covers in a United India Two Wheeler Insurance Policy

  • Geographical Limit – By paying an additional premium to your Insurance policy, you can extend your insurance policy to include countries like Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, and Maldives. For Package policy, you will have to pay Rs. 500 and for third party liability, you can get the same at Rs. 100.
  • Personal Accident Cover for the pillion riders
  • Covers for Electrical and electronic fittings – By default, these components will not be covered in a Package policy. You have to cover them separately by paying an additional premium of 4% on the value of such fittings

How to Raise a Claim for United India Two Wheeler Insurance?

United India Insurance offers a hassle-free claim settlement process. You can either go for cashless settlement or reimbursement. Mentioned below are the steps to follow to raise a claim,

  • Visit https://uiic.in/CustomerAppLive/home.html immediately after the accident. The insured are requested to inform the police department as soon as possible
  • Login to your account with your registered mobile number
  • The Insurance company will send a surveyor who will assess the damage and inform the company
  • Choose the mode of repair that you want to opt for that is cashless or reimbursement and leave the vehicle to the respective garage accordingly.
FAQs
What are the add-ons available with United India two wheeler Insurance policies?
Extension of Geographical area, Zero Depreciation Cover, Return to Invoice Cover, and Engine and Gearbox protection
What are the documents required for cashless and reimbursement settlement?
a. RC of the vehicle
b. Duly Filled Claim Form
c. Original copy of FIR for accidents and theft
d. Original Policy documents
e. Driving License
f. Photocopies of the ID proof such as Driving License, Voter ID, or Aadhar Card
What is the grace period for Insurance Renewal?
The break-in period for an expired insurance policy from the date of expiry is 90 days. If the policyholder renews his expired policy within the grace period, they can retain benefits like NCB.