United India Bike Insurance FAQs
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Select your Two wheeler brand
Which city is your Two wheeler registered in?
When did you buy your Two wheeler?
Do I compulsorily need to have insurance for my two wheeler?
As per the Indian Motor Tariff, every bike owner is compulsorily required to have at least a third party insurance for the vehicle. Therefore, it is optional to opt for comprehensive two wheeler insurance however recommended as it insures the policyholder for own-damages sustained by the two wheeler in addition to third party liabilities.
What are the exclusive benefits of the United India Two Wheeler Insurance?
There are several benefits that one can avail through United India two wheeler insurance such as Well-built digital infrastructure helps to deal with issues online.
- Round the clock customer service.
- Policies catering to the needs of rural people.
- Guaranteed compensation in case of robbery or damage caused to the insured’s two wheeler.
- Quick claim settlement.
What is the tenure for United India Two wheeler Insurance?
The basic tenure for a two wheeler insurance policy is one year. However, the customers can also buy a plan with extended tenures of 3 to 5 years.
What are the add-on covers offered by United India Two Wheeler Insurance?
There are various add-on covers offered by United India Two Wheeler Insurance so that customers can stretch the coverage offered by the policy. It includes Extension of geographical area, Accessories coverage and LPG/ CNG bi-fuel kits coverage.
Where can I find more information about insurance plans offered by United India General Insurance?
For more information on insurance plans offered by United India General Insurance, you can visit their official website or call for more information at 1800-425-3333.
What should I do if I misplace the policy documents?
If you misplace the documents of United India third party bike insurance policy, inform the insurer immediately and they will provide a duplicate copy of the policy documents. However, the insurer may charge a small amount for the new copy.
How can I get the purchase form of United India third party bike insurance policy?
You can get the purchase form of United India third party bike insurance policy on their website and also by visiting any of their branches. To get the form online, follow the below-mentioned steps:
- Go to the website of United India General Insurance
- Click on the “Motor Insurance Option”
- Select the option “Get Quote & Buy” and it will show you the form.
Will this policy provide any coverage for the insured’s bike?
No, the United India third party bike insurance policy will not provide any coverage for the insured’s bike. It only covers third party liabilities.
How can I find the nearest branch of United India General Insurance?
You can find the nearest branch of United India General Insurance in these following steps:
- Go the official website of United India General Insurance
- Click on the “Contact Us” option
- A new tab named “office Locator” will open
- Locate your nearest branch on the tab.
How can one locate the nearest cashless garage in case of any emergency?
In case of any emergency you can:
- Go on the official website
- Type “cashless garage” in the search bar.
What are the available policy terms under United India comprehensive bike insurance?
The policy term of United India comprehensive bike insurance ranges from 1 year to 3 years.
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.
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.
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%.
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.
When can I add Zero Depreciation cover to my United India standalone own damage policy?
You can add Zero Depreciation cover to your United India standalone own damage policy at the time of purchase, renewal or in the middle of the tenure. However, an inspection may be conducted by the insurance company to check the condition of the insured’s bike.
Do I get free replacement of the metal bike parts under United India Zero Depreciation cover?
Yes, you receive free of cost replacement of the depreciated metal bike parts under United India Zero Depreciation cover.
Can I avail Zero Depreciation cover in case of theft of the insured’s bike?
No, you cannot avail Zero Depreciation cover in case of theft of the insured’s bike.
Does a Zero Depreciation cover ensure full claim amount?
No, opting for a Zero Depreciation cover does not ensure full claim amount as deductibles are factorized while calculating the claim amount. Zero Depreciation waivers only the depreciation charges ensuring maximum claim amount.
How can I add Zero Depreciation cover to United India bike insurance policy?
You can add the Zero Depreciation cover to your United India bike insurance policy on their official website or by visiting the nearest branch.
What are cashless garages?
Cashless garages or network garages refers to those garages that have a mutual understanding with the insurer for the repair of a vehicle insured under their policy. These garages provide free repair and replacement services for the damages to the insured’s bike.
When should I inform the police and the insurer after an accident?
You should lodge an F.I.R at the nearest police station immediately after the accident or theft and contact the insurer by visiting its nearest branch or calling its official helpline number 1800-425-333-33 within 24 hours of the incident.
What are the documents required for the claim settlement in case of theft of the insured’s bike?
The following documents are required for the claim settlement in case of theft of the insured’s bike:
- A copy of F.I.R lodged at the nearest police station
- A “non-traceable” report from the police authority
- Transfer papers from Road Transport Office (RTO)
- Original keys of the insured’s bike
- A copy of the Certificate of Registration
- Duly filled claim form.
How can I find the nearest cashless garage?
You can find out the nearest cashless garage from the list of “Cashless Garage details” on the official website of United India or call its toll-free number 1800-425-333-33 for assistance.
Where can I get the claim form of United India bike insurance?
You can get the claim form of United India bike insurance policy online in the following steps:
- Go to the official website of United India General Insurance
- Click on the “Claims” option
- Download the claim form from the claim form page.
Can I renew my United India bike insurance before the expiry date?
Yes, you can renew the United India bike insurance policy before the expiry date. The policy will be available for online renewal 30 days before the expiry date.
Is the online renewal process available for all bikes?
United India General Insurance provides an online renewal process for all bikes except for bikes older than 5 years. Online renewal is also not available for the policyholders who have made any claims during the tenure of the previous policy.
Can I avail No Claim Bonus at the time of renewal?
Yes, you can avail No Claim Bonus at the time of renewal if you have not made any claim during the tenure of the previous policy.
What are the factors influencing the premium quote at the time of renewal?
The factors that influence the premium quote at the time of renewal are as follows.
- Age of the bike at the time of renewal
- Desired tenure of the renewed policy
- Inclusion of add-on covers
- Availability of No Claim Bonus.
Can I renew my United India bike insurance policy if I have misplaced the policy document?
Yes, you can renew your United India bike insurance policy if you have misplaced the policy documents provided you remember the policy number. Since the online procedure of renewal is paperless, you can renew the policy just by entering the policy number.
Why should I purchase the bike insurance premium calculator?
The bike insurance premium calculator is a great tool which will help you calculate the IDV value and premium amount offered by different bike insurance providers available in the market for insuring your bike or any other two-wheeler. It will give you a clear idea to opt for a bike insurance cover.
What factors influence the premium of a bike insurance policy?
Different types of factors affect the amount of premium charged for a bike insurance cover. Some factors include Insured Declared Value (IDV), Modifications, Age of the Owner, Age of the bike, Engine’s Cubic Capacity, No Claim Bonus (NCB), Anti-Theft Devices, Add-on covers, and so on.
Where can I find the best premium calculator online?
You can find the best premium calculator to compute the amount of premium and Insured Declared Value (IDV) for your bike insurance cover offered by different insurance companies in the market at the official website of InsuranceDekho, i.e., www.insurancedekho.com.
Can I calculate the policy premium for my old bike with the premium calculator?
Yes, you can easily calculate the amount of premium and IDV provided by different insurance companies for your old bike as well with the help of a premium calculator.
What details should I enter on the premium calculator to get the right premium?
To find the IDV value for your bike and premium amount for your bike insurance provided by different insurers in the market, you will just have to enter a few details on the premium calculator such as make, model and variant of your bike, engine capacity of your bike, fuel type of your bike, registration year of your bike, RTO location of your bike, and so on.
How many bike add-on covers are offered by United India General Insurance?
United India General Insurance offers 3 bike insurance add-on covers which comprise Nil Depreciation Add-on Cover without Add-on Excess, Return to Invoice Cover, and Engine and Gearbox Protection.
Is there any compulsion to purchase a bike insurance add-on cover?
No, there is no compulsion to include a bike insurance add-on cover in your policy. The add-on covers are designed to provide an option with which you can easily enhance the insurance coverage of your bike insurance plan and enjoy extended benefits without investing much money.
When can I opt for the United India bike insurance add-on covers?
You can opt for the bike insurance add-on covers offered by the United India Insurance to enhance the insurance coverage of your bike insurance policy either while buying the insurance cover or during the time of policy renewal.
Will I have to pay for the add-on covers offered by United India General Insurance?
Yes, an additional amount of premium along with the basic insurance premium amount should be paid by you to opt for the bike insurance add-on cover.
How many bike insurance add-on covers can be bought together?
You can buy different add-on covers together as per your budget and needs. United India offers 3 add-on covers, which means you can include all the three add-ons together in your policy.
How can I download my United India bike insurance policy online?
You can download your policy by visiting the United India Insurance official website or through InsuranceDekho if you purchased the policy there. Log into your account, locate your policy, and download it directly from the dashboard.
Is it necessary to create an account on the United India Insurance website to download my policy?Yes, usually you need to have an account on the United India Insurance website to access and download your policy documents.
Can I download my policy immediately after purchasing it?
Yes, once your policy purchase is processed and the policy is active, you should be able to download it immediately.
What format will my United India bike insurance policy be in when I download it?
The policy is typically downloaded in PDF format, which is easy to save and print.
Do I need any special software to view my downloaded bike insurance policy?
No special software is needed apart from a PDF reader, which is commonly available on most computers and smartphones.
Is the downloaded copy of my bike insurance policy valid for legal purposes?
Yes, the downloaded copy is legally valid and can be used for all official and legal purposes.
What should I do if I am unable to download my policy from the website?
If you face any issues, you can contact United India Insurance’s customer support for assistance in downloading your policy.
Can I download a duplicate policy if I lose the original downloaded copy?
Yes, you can download a duplicate copy of your policy from the United India Insurance website or InsuranceDekho at any time.
Are there any charges for downloading the policy document online?
No, there are no charges for downloading your bike insurance policy document online.
How often should I download the updated policy document?
It’s advisable to download your policy document after every renewal or any changes made to the policy to ensure you have the most current version.
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