United India Insurance Company Limited is one of the oldest general insurance companies in India. The company was established on 18th February 1938. It is merged with 12 Indian insurance companies, Indian operations of 5 foreign insurers and 4 co-operative insurance societies. The company is recognised for its contribution towards the society inclusive of introducing the insurance to rural masses and implementing complex covers on a large-scale population.
United India Two-wheeler Insurance offers comprehensive financial security to your two-wheeler in case of any loss or damage due to accident, man-made, natural disasters, etc. It also takes care of the third-party liabilities and provides personal accident cover for the driver of the insured vehicle. The policy offers a variety of add-on covers that helps in enhancing the security of your two-wheeler together with attractive discounts and long-term policy coverage.
Government of India
Number of Policyholders
Number of Employees
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**Last Updated on 22-09-2020
Through online claim and grievance redressal services, you can easily know about the claim process and track claim status within a few minutes just by submitting your two wheeler policy number and contact number.
The customer can enjoy cashless repair or replacement services from authorized network garages who have partnered with United India Insurance Company.
The vehicle owner will get 2 types of coverage options under the policy, viz., Package Policy - Section I (Own Damage Cover) and Package Policy - Section II (Third-party Liability Cover + Personal Accident Cover for the driver of the vehicle only).
United India two-wheeler policy offers Personal Accident Cover up to Rs. 15 lakhs for financial security for the co-passengers (in case of an accident).
It is essential to calculate premiums of your two-wheeler insurance policy to avail several benefits of the policy at affordable rates. By using a premium calculator, you can simply calculate premiums from the comfort of your home. This calculation is based on a number of factors such as vehicle registration state, manufacturer name, model and variant of the vehicle, body type, etc.
Given below is the list of estimated premiums for different bike variants along with IDV and zero depreciation cover:
Price of the Bike
Honda Shine Disc (124 cc)
Hero Glamour 125 FI BS6 Drum (125 cc)
Bajaj Avenger Cruise 220 BS6 (220 cc)
Yamaha Fascino 125 DLX Drum (125 cc)
Table Data updated on 22-09-2020
**The values are calculated on the basis of Delhi city and registration year 2020.
Nil Depreciation: Under this cover, there is no deduction for depreciation of parts made of plastic, metal, aluminium, etc. The entire amount will be compensated by the insurer in the event of replacement of the damaged parts.
Electrical/Electronic Fittings Cover: Under this add-on, you have the option to protect your electrical and electronic accessories from damage/loss. This is applicable to accessories which are purchased additionally after the purchase of the two-wheeler.
Extension of Geographical Area: If you want to extend the area of coverage for your vehicle to neighbouring countries like Bhutan, Bangladesh, Nepal, Pakistan, Sri Lanka, Maldives, then this cover will be useful in providing listed benefits in these locations too. The premiums may vary as per the type of the chosen policy.
CNG/LPG-Bi-fuel Kits: On adding this cover for your two-wheeler insurance policy, the costs for CNG or LPG-Bi-fuel Kits will be paid by the insurance company in case of an accident. An additional premium of 4% on the value of such a kit will be charged by the insurer for the same.
Fibreglass Fuel Tanks: The insurer will bear the repair/replacement expenses for the fibreglass fuel tank of the vehicle if it gets damaged or lost. The premiums shall vary for 'Own Damage' cover and Miscellaneous Type of Commercial Vehicles.
Whereas, in case of reimbursement claims for repairs done from a non-network garage, the bills and receipts for repair/replacement should be submitted to the insurer after intimating the insurance company. On acceptance, the claim amount will be transferred to the account of the policyholder.
Registered Office Address:United India Insurance Company Limited, 24, Whites Road, Chennai - 600014.
Head Office: United India Insurance Company Limited, 19, Nungambakkam High Road, IV Lane, Chennai - 600034.
Telephone: 91-044-28575200 (toll-free)
Email: email@example.com (Any queries or complaints regarding your Two-wheeler insurance policy)
Chat with your virtual assistant “UNI HELP” by visiting the official website of United India Insurance.
Registered Office Address: PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.
Email: firstname.lastname@example.org (For assistance & complaints)
email@example.com (For any Sales query)
Toll-Free Number: 1800-4200-269
You need to pay an additional premium of 4% on the value of such fittings.
You need to make sure to transfer the policy within 14 days from the date of transfer of ownership.
The depreciation rate is 30% for replacement of fibreglass components.
The company will charge Rs. 100 per vehicle to replace the fibreglass fuel tank for Miscellaneous Type of Commercial Vehicle. While Rs. 50 is charged for ‘Own Damage’ cover of all other vehicles except Miscellaneous Type of Commercial Vehicles.
100% compensation will be provided in case of death or permanent disability and 50% compensation will be paid for loss of one limb or sight of one eye.
The premium charges under Package Policy Section I (OD Cover) is Rs. 500 per vehicle. On the other hand, it is Rs. 100 for Package Policy Section II (Third-party Cover).
Last updated on 22-09-2020