United India Two Wheeler Insurance Introduction
United India Insurance is a public sector general Insurance company in India. It was found in 1938. It provides best customer service with its innovative technology and multiple channels. United India Insurance was nationalised in 1972. United India Insurance company offers different variety of insurance products to provide insurance cover from bullock carts to satellites.
United India Insurance provides you motor insurance which covers the loss caused to your motor vehicles like car, two wheeler and commercial vehicle. Almost all united india insurance policy holders like Two wheeler insurance. Owners of the vehicle and financiers will get the advantage of United India Two wheeler insurance. United India Two wheeler insurance provides insurance up to 3 years for Two Wheelers. The loss caused due to damage of your vehicle is also covered under United India Two wheeler insurance.
United India Two wheeler Insurance Review
United India Insurance Two wheeler Insurance Features, Benefits, Coverages and non coverages, add on covers, claim procedure, premium calculator and contact details are available in this document.
United India Two Wheeler Insurance Features and Benefits
- United India Two wheeler Insurance provides No Claim Bonus(NCB) facility up to 50% depending on the number of claim free years.
- It provides a discount of 5% on the own damage premium subjected to a maximum of 50/- for motorised two wheelers.
- United India Insurance provides additional covers like NIL depreciation, personal effects with two wheeler insurance policy.
- It provides an additional discount of 2.5%, subjected to a maximum of 200/- on the anti theft devices installed in your vehicle.
- It provides 50% discount for the vehicles that are specially designed for mentally challenged and blind persons.
- It provides personal accidental coverage facility for named and unnamed persons.
- In United India Two wheeler Insurance you have the facility to extend the geographical area by paying an additional premium of 500/- per vehicle.
- A discount of 331/1% on tariff rates is available in United India Two wheeler insurance.
- United India Two wheeler insurance offers coverage facility for electrical and electronic fittings, CNG – LPG bi fuel kits, fiberglass fuel tanks in your vehicle.
- It covers the loss caused due to damage of tyres by paying an extra premium.
United India Insurance Two Wheeler Insurance Coverages
United India Two Wheeler Insurance provides two types of coverages they are
- Package policy.
- Liability only policy.
Package Policy:
This policy covers both own damage of the vehicle and third-party liability.
Under own damage of the vehicle this policy covers the loss caused to the vehicle/ accessories due to
- Accidental by external means.
- Fire, Self ignition, lightning.
- Burglary, theft or housebreaking by paying 3% of the IDV of accessories.
- Terrorist activity.
- Riot Strike and Malicious damage(intentional damage caused to your vehicle by external means).
- Damage caused due to earthquake, flood and cyclone.
- Transit by road, rail, lift or inland water waves.
- Damage caused due to landslide or work slide.
Under Third party liability coverage, it provides
- Liability to third parties bodily injury or death.
- Covers loss caused due to third-party property damage.
- Personal accident cover for the driver or owner for a specified sum insured.
- Provides all costs and expenses incurred with the company’s written consent.
- Claimants cost as decided by the court.
Liability only policy:
- It provides insured’s liability to third parties in case of death or permanent disability of third property.
- It provides liability for loss or damage to the third-party property.
- Provides all costs and expenses incurred with the company’s written consent.
- Claimants cost as decided by the court.
- Personal accident cover for owner or driver of the vehicle for a specified sum insured.
United India Two Wheeler Insurance Exclusions
- It does not cover contractual liability.
- It does not cover the loss caused due to war, civil war.
- It does not cover the consequential loss.
- It does not cover the loss caused due to wear and tear, electrical or mechanical breakdown.
- It does not cover the damage caused due to driving the vehicle under the influence of alcohol or drugs.
- It does not cover the loss caused due to nuclear activities.
- It does not cover claims arising outside the geographical area specified in the policy.
- It does not cover claims arising due to usage of the vehicle other than its limitations.
- It does not cover claims arising when the vehicle is driven by a person without having a proper license.
United India Two Wheeler Insurance Additional coverages
- It provides discount for accessories installed in your vehicle by paying 3% of the IDV(Insured Declared value) of such accessories.
- It provides loss caused due to damage of tyres by paying an extra premium.
- You have the facility to extend the geographical area to include Bangladesh, Bhutan, Sri Lanka, Maldives, Nepal, Pakistan by paying an additional premium of 500/- per vehicle.
- It provides accidental cover with a reasonable cost to move your vehicle from accidental place to the garage.
- It provides No Claim Bonus Facility ranging from 20% to 50% depending on the number of claim free years.
- It provides an additional discount of 5% on own damage premium subjected to 50/- for two wheelers if you are a member of authorised automobile association.
- It provides additional discount of 2.5% on own damage premium subjected to a maximum of 200/- for anti theft devices installed in your vehicle.
- It provides an additional discount of 331/1% on tariff rates, if you are using the vehicle within insured’s premises.
- It provides 50% discount on own damage premium for the vehicles specially designed for mentally challenged and blind persons.
- It provides an additional coverage for electrical and electronic fittings in your vehicle by paying additional premium of 4%.
- In case of change of ownership you can transfer your insurance policy within 14 days from the date of transfer of ownership.
- A vehicle can be substituted by another vehicle for the same policy by adjusting premium.
Rate of depreciation in United India Two wheeler Insurance
For all rubber / nylon / plastic parts, tyre and tubes batteries and air bags – 50%.
For fiberglass components – 30%.
For all parts made of glass – NIL.
Rate of depreciation for all other parts including wooden parts will be as per the following table:
| Age of Vehicle | Percentage of depreciation |
| Not exceeding 6 months | NIL |
| Between 6 months and 1 year | 5% |
| Between 1 and 2 years | 10% |
| Between 2 years and 3 years | 15% |
| Between 3 and 4 years | 25% |
| Between 4 years and 5 years | 35% |
| Between 5 years and 10 years | 40% |
| more than 10 years | 50% |
Sum Insured Declared value(IDV):
The IDV of the vehicle is fixed based on manufacturers listed selling price of the brand and model of the vehicle. It is calculated as manufacturers selling price minus depreciation.
Depreciation for fixing the IDV(Insured declared value) of the vehicle in United India Two wheeler Insurance
| Age of the Vehicle | Percentage of depreciation for fixing IDV |
| Not exceeding 6 months | 5% |
| Between 6 months and 1 year | 10% |
| Between 1 year and 2 years | 15% |
| Between 2 years and 3 years | 30% |
| Between 3 years and 4 years | 40% |
| Between 4 years and 5 years | 50% |
United India Two wheeler Insurance Claim process
- If any unfortunate accidental occurs to your vehicle follow the below steps to register your claim
- Contact the United India insurance policy issuing office which is nearer to you.
- The surveyor appointed by the company will survey the vehicle.
- In case of major accidents including fire/riot losses keep the vehicle at the accidental spot until the spot surveyor comes to the place of accidental to survey the vehicle.
- If there are any third-party death/ injury or third-party property damage inform to the nearest police station about the accident.
- In case if you have provided treatment to injured person in any hospital the hospital name and doctor name should be informed to the office.
- After completion of formalities you may move your vehicle to the authorised garage and obtain estimate from them and submit same to the company along with the duly filled claim form, then they will arrange for the final survey .
- It should be ensured that under no circumstances repair work is commenced until the surveyor verifies the damage and gives green signal to proceed with the repairs.
- After repairs are completed for partial loss you have to submit the final bills to the company .
United India Two Wheeler Insurance Claim forms
- Duly filled claim form.
- Original FIR.
- Surveyor copy.
- Original estimate.
- Medical certificate(in case of third-party liability).
- Driving license.
united india two wheeler claim form
United India Two Wheeler Insurance Online Renewal
You can Renew your united India two wheeler insurance through online by using debit card/credit card by visiting company’s official website www.uiic.co.in.
United India Two Wheeler Insurance Premium and Maturity calculator
By using United India Two wheeler Insurance Premium and Maturity calculator we can find the minimum premium has to be paid to buy united India Insurance Two wheeler Insurance policy. By using this you can also compare your policy with other policies, and you can choose the policy that met your requirements. you have to give below information to calculate premium
- Registration state of vehicle
- Type of vehicle
- Class of vehicles.
- Model.
- Manufacturer.
- Body type.
- registration location.
United India Insurance Customer Care Details
Call center number: 91-044-28520161
Email.id: customercare@uiic.co.in
Contact address:
United India Insurance Co.Ltd,
24, whites road,
Chennai-600014.
FAQ on United India Insurance Two wheeler Insurance
- What is No Claim Bonus?
Ans: It is an additional discount available on the premium, you will get up to 20% to 50% depending on the claim free years in united india Two wheeler insurance.
- What is IDV?
Ans: Insured declared value is the sum assured to the insured fixed by the insurer provided on theft or loss of vehicle. IDV is calculated on the basis of manufacturers listed selling price and rate of depreciation.
United India Two Wheeler Insurance Additional Documents and Forms
united india two wheeler insurance proposal form for package policy
united india two wheeler insurance proposal form for liability only
united india Two wheeler insurance package policy