United India Comprehensive Bike Insurance Policy
- No Inspection Needed
- Immediate Policy Issurance
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Select your Two wheeler brand
- Hero
- Honda
- TVS
- Bajaj
- Yamaha
Which city is your Two wheeler registered in?
- Ahmedabad
- Bangalore
- Chandigarh
- Chennai
- Gurgaon
When did you buy your Two wheeler?
United India Comprehensive Two-Wheeler Insurance Policy
United India General Insurance is one of the oldest names in the field of non-life insurance that has helped a large number of people to deal with the uncertainties of life through its comprehensive bike insurance policy. United India comprehensive bike insurance policy provides extensive coverage against the third party liabilities and for own damage to the insured’s bike. It instills a sense of financial security in the policyholder.
United India Comprehensive Bike Insurance vs Third Party Bike Insurance
Basis | Comprehensive Bike Insurance | Third Party Bike Insurance |
Coverage | The comprehensive bike insurance policy ensures extensive protection by covering both “Third Party liability” and “Own Damage”. | Third party bike insurance policy covers only third party loss or damage incurred due to the insured’s bike. |
Add-ons | Various add-on covers can be opted to stretch the coverage along with this plan. | No add-ons are available along with the third party bike insurance. |
Cost | The comprehensive bike insurance policy is comparatively expensive due to its extensive coverage. | Third party insurance policy is cost-effective for the policyholders for its limited coverage. |
What All is Covered Under United India Comprehensive Bike Insurance Plan?
United India comprehensive bike insurance policy provides coverage for the following:
- Liabilities of the third party: This policy covers all the financial and legal obligations towards the third party. The damage or loss of the third party vehicle or property caused by the insured’s bike gets covered by the insurer. The compensation amount to be provided by the insurer is decided as per the court of law.
- Own damage occurred due to natural calamities: Under the comprehensive bike insurance policy, any damage to the insured’s bike caused due to flood, earthquake, landslide or any natural calamities gets covered by the insurer.
- Own damage occurred due to man-made disasters: The insurer provides coverage for any damage caused to the insured’s bike due to any man-made disasters such as riot, strike, fire, terrorist activity etc.
- Theft: United India comprehensive bike insurance policy provides coverage in case of theft of the insured’s bike.
What All Is Not Covered Under United India Comprehensive Bike Insurance?
United India comprehensive bike insurance policy refrain from providing coverage for the following:
- Normal wear and tear
- Driving without a valid license
- In the case of wilful negligence
- Mechanical or electrical breakdown
- Damaged caused due to contractual liability
- Damage caused during war, nuclear risk or any similar situation
- In case of driving under the influence of alcohol or intoxicating drugs.
Benefits of United India Comprehensive Bike Insurance
United India comprehensive bike policy provides multiple benefits which are discussed below.
- It offers an easy and online policy issuance
- The quick and easy claim settlement process
- A variety of add-ons ensures extensive coverage
- The policyholder is relieved from the third party liability and own damage expense
- A wide network of cashless garages spread all over India provides free repair and replacement service.
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Must Read Articles before buying United India Bike Insurance
United India Comprehensive Bike Insurance FAQs
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Can I add any add-on in the middle of the tenure?
Yes, you can add any add-on cover to your policy in the middle of the tenure. However, the insurer will first verify your request.
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How do I calculate the premium amount of United India comprehensive bike insurance?
You can calculate the premium amount of United India comprehensive bike insurance by using the “Premium Calculator” on its official website.
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Do I get any discount if I have an anti-theft device installed in my bike?
Yes, if you have an anti-theft device installed in your bike, you can avail a discount on premium up to 2.5%.
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How is the sum assured calculated for United India comprehensive bike insurance?
The sum assured calculated for United India comprehensive bike insurance is determined by the Insured Declared Value (IDV) of the insured’s bike.
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