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United India Comprehensive Bike Insurance Policy
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The United India comprehensive two-wheeler insurance policy shields the policyholder against any third-party liabilities and own damages to the vehicle. This two wheeler insurance policy protects the two-wheeler against natural disasters, accidents, theft, artificial calamities, and other mishaps. Hence, a policyholder gets complete protection with a comprehensive policy as it covers both third-party liabilities as well as own damages.
How does United India Comprehensive Two Wheeler Insurance Policy Work?
This policy works on a simple phenomenon, wherein it covers insured and his bike against all mishaps hence ensuring total protection. You can get coverage against third-party liabilities, own damages, theft, total loss, etc.
Without comprehensive insurance coverage for their vehicle, no one feels safe in this age of ever-increasing rising accident rates. The comprehensive plan also ensures that your bike is covered against damages caused intentionally and unintentionally. In addition, a comprehensive plan pays the insured the value assured for the policy in the event of complete loss of the two-wheeler. It compensates for your two-wheeler's repair costs, while some insurers provide cash-free assistance at their network garage.
United India Comprehensive Two Wheeler Insurance Vs. Third Party Two Wheeler Insurance
|Aspect||Third-party Bike Insurance||Comprehensive Bike Insurance|
|Coverages||It only offers coverage for damage caused to third parties.||Covers damages caused by both the insured and third parties.|
|Add-on||No add-ons are available.||Add-on covers like zero depreciation cover, roadside assistance, etc can be bought by the policyholders to strengthen their comprehensive policy.|
|Premium||In comparison, policyholders must pay a lower premium.||The policyholder is liable to pay a higher premium for this policy.|
|Legal||Mandatory by law||Optional|
How to Buy United India Comprehensive Two Wheeler Insurance?
Below are the steps you need to follow if you want to buy a comprehensive policy of United India two-wheeler insurance:
1st Step: Open the official website/portal of United India Insurance and select the two-wheeler insurance tab.
2nd Step: Mention the registration number of your two-wheeler. If you do not have this, you may also provide its make, model, and year of registration instead. You should also provide your name and mobile number. Then select the Submit and Get Quotes tab to proceed.
3rd Step: The quotes for two-wheeler insurance policies will be displayed on the screen. Select the most appropriate one and any add-on covers you would want to buy with it.
4th Step: Pay for your United India two-wheeler insurance policy online, and the detailed policy document will be mailed to your registered email account.
What All is Covered Under United India Comprehensive Two Wheeler Insurance Policy?
Below are the aspects that are covered under a United India comprehensive two-wheeler insurance policy:
1. Own damages
3.Total loss and theft
4. Fire or explosion
5. Natural disasters and artificial calamities
What All is not Covered Under United India Comprehensive Two Wheeler Insurance Policy?
Below are the aspects that are not included under a United India comprehensive two-wheeler insurance policy:
1. Damage caused to the bike due to any form of illegal driving.
2. Regular wear and tear of the bike.
3. Any type of electrical or mechanical failure of the bike.
4. Any accident/mishap that takes place outside the geographic area mentioned in the policy document.
5. Driving under the influence of drugs and alcohol.
United India Comprehensive Two Wheeler Insurance Benefits
Below are the benefits of a United India comprehensive two-wheeler insurance policy:
- It provides an easy way for online policy issuance.
- The quick claim settlement procedure.
- Various add-ons facilities ensure extensive coverage.
- The customer is relieved from the third-party liabilities as well as own damage costs.
- A wide network of cashless garages spread all over India offers free repair and replacement services.
United India Comprehensive Two Wheeler Insurance Review
Getting comprehensive bike insurance from United India is a matter of a few clicks only. Your online journey would be smooth with an easy-to-use UI. The company offers best quotes in the bike insurance industry. Excellent service and a simple purchasing process.
Add ons for your Two Wheeler Insurance
United India Comprehensive Two Wheeler Insurance FAQs
1. What is the range of NCB in the case of United India comprehensive two-wheeler insurance?
NCB is provided for claim-free tenures, ranging from 20% to 50%.
2. Can I add any add-on during the renewal of United India two-wheeler insurance?
Yes, you can add any additional coverage to your insurance at the time of policy renewal.
3. How Insurance companies calculate the sum assured for United India comprehensive bike insurance?
The Insured Declared Value (IDV) of the protected bike determines the amount assured.
4. Is it possible to file a claim if my motorcycle catches fire and is entirely burned in an accident?
Yes, the comprehensive insurance from United India bike insurance covers fire damages sustained on the bike. The damaged bike can be towed to a garage to repair it.
5. In the case of comprehensive bike insurance, what are the most common add-on covers?
The most popular add-on covers are zero depreciation cover, roadside assistance cover, NCB cover, etc.
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