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United India Zero Depreciation Cover

The decrease in the value of a bike with the passing time is taken into consideration as a depreciation factor by the insurance companies. During claim settlement, the insurer deducts the depreciation charge from the claim amount. To prevent this deduction, the policyholder can opt for the Zero Depreciation cover along with a standalone own damage or a standard comprehensive plan. Opting for United India Zero Depreciation cover ensures the maximum claim amount at the time of claim settlement.

Availing United India Zero Depreciation cover prevents the loss of claim amount in lieu of depreciation charges. Zero Depreciation cover ensures the maximum claim amount without the deduction of the depreciation charges.

Benefits of United India Zero Depreciation Add-on Cover

United India Zero depreciation add-on cover offers the following benefits to its customers:

  • Higher claim: Zero Depreciation cover promises a higher claim amount as the insurer does not deduct any depreciation value. The policyholders can avail the maximum claim amount with Zero depreciation cover with a slight increase in the premium.
  • Saves money: United India Zero Depreciation add-on cover takes care of the expense of repair and replacement of the depreciable parts of the insured’s bike irrespective of the depreciation factor. Thus, the policyholder can save money to be spent on the depreciated parts of the insured’s bike.

Depreciation Rate Applicable on Bike With And Without Zero Depreciation Add-on

Age of Bike

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Part of Bike

Rate of Depreciation Without Zero Depreciation

Rate of Depreciation With Zero Depreciation

Rubber/Nylon/Plastic parts

50%

0%

Fibreglass parts

30%

0%

Glass parts

Nil

0%

Factors Affecting United India Zero Depreciation Cover

United India Zero Depreciation comes with multiple benefits provided that the following conditions are fulfilled:

  • The age of the bike should not exceed 2 years.
  • This cover can be claimed only twice in the entire policy tenure.
  • Repair and replacement due to common wear and tear do not get covered.
  • Coverage is not provided in cases of a total loss, mechanical and electrical breakdown of the insured’s bike.

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Must Read Articles before buying United India Bike Insurance

United India Bike Insurance User Reviews

4.9
Rating based on
211 User reviews
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What users are saying
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  • Claim Process Made Simple

    Filing a claim with InsuranceDekho's Comprehensive Coverage was a straightforward process. The platform's efficiency in handling claims fpr my existing United Bike Insurance Policy made the experience hassle-free during an already stressful situation for my Mahindra bike.

    Read More

    N
    By Narayan Arora
    On: November 24, 2023
  • Complete Vehicle Protection

    InsuranceDekho's own damage insurance that I got along with the United Bike Insurance Policy provides complete protection for my Aprilia bike, ensuring peace of mind on the road.

    Read More

    C
    By Chaman Singh
    On: October 30, 2023
  • My Trusted Source for Own Dama...

    I trust InsuranceDekho as my preferred provider for Own Damage Car Insurance. Their United Bike Insurance Policy is comprehensive, and their team offers valuable guidance to ensure my Jawa bike is fully protected.

    Read More

    V
    By Vijay kapur
    On: October 18, 2023
  • Continuity of Benefits

    Renewing my United Bike Insurance Policy with InsuranceDekho ensures the continuity of benefits I've come to rely on. It's a reaffirmation of their commitment to my protection of my Suzuki bike.

    Read More

    H
    By Harsh Mittal
    On: October 16, 2023
  • Effortless Car Insurance Claim...

    I recently had to file a bike insurance claim for my Honda bike which was insured with the United Bike Insurance Policy with InsuranceDekho, and I was amazed by how smooth and effortless the process was. They made a potentially stressful situation very manageable.

    Read More

    S
    By Sonu Sahota
    On: October 3, 2023
  • Discounts and Offers

    I've found that InsuranceDekho often has promotions and discounts on third-party car insurance policies. This has helped me save money without compromising on coverage on my United Bike Insurance Policy for my Yamaha bike. Keep an eye out for their special offers!

    Read More

    A
    By Ankit Chawla
    On: September 27, 2023
  • Informed Decision-Making

    Thanks to InsuranceDekho's premium calculator, I could explore different coverage options and their costs. It empowered me to make an informed decision about my Aprilia car insurance by investing in the United Bike Insurance Policy.

    Read More

    N
    By Nitin Gupta
    On: September 25, 2023
  • Confidence on Risky Roads

    Living in an area with risky roads, InsuranceDekho's zero depreciation United Bike Insurance Policy gives me confidence in every drive. I have fully protected my Suzuki bike.

    Read More

    By Kanish Jain
    On: September 21, 2023
  • Effortless Claims Settlement f...

    Some time back, I bought the United Bike Insurance Policy for my Honda bike and was happy to see that in case of need, filing a claim with InsuranceDekho's own damage coverage was effortless. They handled it promptly, making a challenging situation easier.

    Read More

    R
    By Rubab Bajaj
    On: September 18, 2023
  • Competitive Renewal Rates

    InsuranceDekho consistently offers competitive renewal rates. It's reassuring to know that I'm renewing my United Bike Insurance Policy for my Yamaha bike at a fair price without overpaying.

    Read More

    D
    By Dhruv Patel
    On: September 14, 2023
United India Reviews

United India Zero-Depreciation Add-on Cover FAQs

  • 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.

FAQ
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