United India Bike Insurance FAQs

The following discounts are available on the premium amount of United India two-wheeler insurance plans: 

• No claim bonus- 
  you can avail no claim bonus ranging from 20% to 50% of the premium amount depending on the number of the claim-free years. No claim bonus can be transferred from other insurance to United India two-wheeler insurance and vice versa.
   
• Discount for anti-theft devices- 
  A discount of up to 2.5 % on the OD component of the premium is allowed subject to a maximum of INR 200 if you install anti-theft devices on your vehicle. 
   
• Automobile Association Membership Discount- 
  If you are a member of Automobile Association, then you can avail a discount of 5% on the premium amount on own damages subject to a maximum of INR 50 for motorised two-wheelers only and INR 200 from private vehicles. 
   

Additional discount-

Additional discount on the OD premium is allowed on the vehicle which is specially designed or modified for blind, handicapped and mentally challenged persons.

Add-on is additional coverage which helps you to enhance and customise your insurance policy as per your requirement by paying an additional premium. United India offers the following two-wheeler add-ons: 

• Extension of the geographical area
• Zero depreciation cover
• Return to invoice cover
• Engine and gearbox protection

You are required to submit the following documents for cashless or reimbursement settlement of claim: 

• Registration certificate of the vehicle
• Claim form duly filled and signed 
• Original copy of FIR in case of accident or theft
• Original policy documents
• Driving licence of the person driving the vehicle at the time of the accident
• Photocopies of the ID proof of the insured such as driving licence PAN card, etc. 
  
   

The process of online renewal of United India two-wheeler insurance is very simple and easy. You just have to visit the official website (https://www.uiic.in/CustomerPortalWeb/data/motorRenewal.html#/motorRenew ) of the insurance company, provide your policy details, click on quick renewal and pay the premium. Your insurance policy will be renewed within minutes. No inspection will be required for the renewal of the vehicle.

Incurred claim ratio of United India motor insurance for the financial year 2018-19 was 120.79% which shows that the insurance company has paid more claims than the amount it has received as premium.

Yes, you can. The window for renewing your bike insurance policy opens 30 days before the expiry date of the existing policy. You will have sufficient time till the policy expiry date to renew your policy.

Yes, United India General Insurance offers an online renewal option for all bikes.

You can check any online/offline policy details from the below path: 

• https://uiic.co.in/ ---> Customer Services --> Verify Your Policy.

For policy documents issued/ downloaded from United India's official website, the following path can be used for checking the status of the policy:

• https://uiic.co.in/ ---> Customer Services --> Check Payment Status / Online Policy Download

The following are the criteria that determine the premium quote at renewal time.

• Age of your bike at the time of renewal
• Expected tenure of the renewed policy
• Inclusion of the add-on covers
• Availability of the NCB

Some important information might not have been entered correctly in the original policy. 

 If the policyholder fails to renew the two-wheeler insurance policy on time, they risk losing their accumulated NCB. So, United India gives its customers an extra 90 days as a grace period. But any delay after the grace period can cancel the policy, and the NCB that has been accumulated will also be canceled.

You can contact United India General Insurance by calling its toll-free helpline number at 1800-425-333-33 or sending an e-mail to customercare@uiic.co.in.

In the financial year 2019-2020, the claim settlement ratio of United India was 82.93%.

 Yes, FIR / Police intimation is compulsory in partial theft.

There is no exact limit of raising bike insurance claims with United India.

Make sure whether the amount is debited from your account or not. 
• If payment is debited, your policy will be generated shortly.
• Follow the steps below to know the policy status/download the policy document: 
- Go to the website: www.uiic.co.in
- Go to the Customer Services page - Check the Payment Status/Online Policy download.

-Click on the button and provide either the transaction ID/the old policy number/the new policy number.
• You may directly visit the same link mentioned below: 
• https://uiic.co.in/ -> Customer Services -> Check Payment Status / Online Policy Download

In such cases, you should contact United India Insurance at: online.policy@uiic.co.in.

• Type of the policy
• Duration of the policy
• Policy number
• IDV as well as the premium
• Exclusions & inclusions
• Features and benefits
• Personal and bike information
• Grievance redressal procedure

If you do not have a hard copy or print out, at least have a digital copy. You can store it in your DigiLocker account. This account is a cost-free service supported and provided by the Government of India to help people save and store digital copies of their documents.  

Yes. You can download your insurance policy documents with a digitized QR code that can help you whenever you need your policy anywhere.

No, there is no such compulsion to get a bike insurance add-on cover along with your policy. These add-on covers are made to offer an option with which you can easily expand the coverage of your bike insurance policy. Thus you can enjoy extended benefits without investing hefty money.

There is no maximum limit. You can purchase various separate add-on covers together as per your budget and needs. 

You can choose from a variety of bike insurance add-on covers offered by United India Insurance to expand the insurance coverage of your bike insurance policy when you buy it or when you renew it.

Yes. If you get the United India bike insurance add-on cover, you will be obliged to pay an additional premium along with the premium you were paying for your base policy.

NCB is provided for claim-free tenures, ranging from 20% to 50%.

Yes, you can add any additional coverage to your insurance at the time of policy renewal.

The Insured Declared Value (IDV) of the protected bike determines the amount assured.

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.

The most popular add-on covers are zero depreciation cover, roadside assistance cover, NCB cover, etc.

Yes, as per Motor Vehicles Act, 1988, it is mandatory for every bike owner in India to have at least third-party insurance. Riding your bike without this mandatory insurance is a punishable offence.

No. The third-party insurance does not cover these damages for the insured bike. 

There is no fixed compensation for bodily injuries or death to a third person /party. As for damages to their property, the compensation amount is set at INR. 7.5 lakhs.

You may contact United India's customer care at the earliest to get duplicate copies.

The cost of third-party bike insurance is determined by IRDAI as per the cc of your bike. 

Yes, you can do so by submitting an endorsement to the insurance company.

No, the company will not cover the entire cost as you will have to bear the deduction cost. However, to overcome that, it is advisable to buy zero dep cover. 

The age, make and model of the bike, and place of the registration are some factors that can affect the premium. 

No, you can not buy a zero depreciation cover with third-party insurance policy.

The term two-wheeler refers to motorcycle/scooter/autocycle or any other motorized two-wheeler.

The insured vehicle's IDV will be used as the 'SUM INSURED' for this policy, which will be set at the start of each insurance period.

The IDV of the bike (and any accessories, if any, fitted to the bike) is determined based on the manufacturer's quoted selling price of the company and model of the insured bike during the insurance/renewal, and depreciation is taken into account.

You may contact their customer support at customercare@uiic.co.in or   online.policy@uiic.co.inYou can also reach out to United India at their official Twitter account: Twitter@UnitedIndiaInsu

In such circumstances, you can instead input the vehicle's manufacturer, model, and registration year.

After completing the purchasing procedure, the policy document will be mailed to your registered email account.