United India Bike Insurance
United India Bike Insurance
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United India Two-wheeler Insurance

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.



Chennai, India


Government of India

Number of Policyholders 

10 Million

Number of Employees


Number of Offices 


**Last Updated on 05-11-2020

What Is The Renewal Process of United India Two-wheeler Insurance Policy?

Renew With United India Insurance

  • Go to the official website of United India Insurance.
  • Click on the 'Products' tab given at the top of the page.
  • Choose the option of 'Renew' present under 'Motor Insurance' category.
  • Enter your policy number and click on the 'Next' button. 
  • It will redirect to the page containing policy information. Check your details and proceed with the payment.
  • Once the payment is done, you will receive a premium payment receipt in your registered email id.

Renew With PolicyX.com

  • Move to the upper section of this page and fill in the details of the vehicle in the form (Get Two Wheeler Insurance Quotes Online).
  • Select the 'Renewal' option and choose whether current policy is expired or going to expire.
  • Fill your personal information such as name, city, email id and mobile number.
  • Proceed to select United India Two-wheeler Insurance from the list of insurers provided on your screen.
  • Check the premium and other details of the policy. Choose add-ons (if required).
  • Make an online payment and upon successful payment, a confirmation receipt will be sent to your registered email address.

Key Features & Benefits of United India Two-wheeler Insurance

Online Claim Assistance

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.

Network Garages

The customer can enjoy cashless repair or replacement services from authorized network garages who have partnered with United India Insurance Company.

Better Coverage Options

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).

Protection For Co-passengers 

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).

United India Two Wheeler Insurance Premium Calculation

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:

Bike Variant

Price of the Bike


Zero Depreciation

(Add On)*

Estimated Premium*

Honda Shine Disc (124 cc)

Rs. 72,557

Rs. 39,522


Rs. 1,022

Hero Glamour 125 FI BS6 Drum (125 cc)

Rs. 69,750

Rs. 46,626


Rs. 1,071

Bajaj Avenger Cruise 220 BS6 (220 cc)

Rs. 1,19,000

Rs. 69,877


Rs. 1,995

Yamaha Fascino 125 DLX Drum (125 cc)

Rs. 68,230

Rs. 51,247


Rs. 1,515

Table Data updated on 05-11-2020

**The values are calculated on the basis of Delhi city and registration year 2020.

What Are The Add-On Covers Under United India Two-wheeler Insurance?

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. 

Discounts Offered By United India Two-Wheeler Insurance

  • AAI Membership: If you are a member of the Automobile Association of India (AAI), this may drive you a significant discount on premium up to Rs. 50 where you have to mention your membership number and type at the time of buying the policy.
  • No Claim Bonus: United India Insurance gives you a 20% to 50% of NCB discount that can be earned by not making a claim during a policy year. This advantage can be utilized to minimize the amount of premium at every renewal.
  • Anti-Theft Device Installation: The installation of an anti-theft device approved by the Automotive Research Association of India (ARAI) on your bike or scooter will help you to score discounts on premium up to 2.5% subject to a maximum of Rs. 200.
  • Use of Vehicles within Insured's premises/sites: If you choose to drive your two-wheeler within the described area of the premises/sites, then you can earn a proportionate discount on the premium up to a maximum of 33%.

What Is The Claim Settlement Process of United India Two-wheeler Insurance?

  • Contact the Insurer: You should immediately contact the insurance company and inform them about the incident. You can call on the toll-free number to get a quick response.
  • File An FIR: The vehicle owner is liable to report the incident to the nearby police station and file an FIR (in case of accidents, thefts, fires and third-party losses where the FIR Copy has to be submitted to the insurer).
  • Take the Vehicle For Repairs: Take the two-wheeler to a network/non-network garage to rectify the damages. 
  • Allocation of Surveyor: The company will send a surveyor who will assess the vehicle's condition and damage after the incident took place. The surveyor will then prepare a report for the same.
  • Fill the Claim Form: You are then required to file a claim form disclosing related facts about a claim like when, where and how accident/theft took place, policy number, vehicle details, garage details where the two-wheeler has been repaired, etc.
  • Acceptance of Claim: The surveyor passes favourable reports and documents to the United India who will examine the credibility of the claim. On the basis of this survey, the insurer will approve the claim for repairs.
  • Submit Documents:  Basic documents that are crucial in making a claim like Driving License, Registration Certificate, policy document have to be submitted.
  • Settlement Of Claim Amount:  In case of a cashless claim (for repairs done from the network garage), the payment of expenses will be directly settled with the garage.

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.

Documents Required During Claim

  • Policy Document/ Wordings.
  • FIR (First Information Report), if required.
  • Driving License.
  • Vehicle Registration Certificate.
  • Insured's name and contact details.
  • Address of the place where the vehicle is available for inspection.
  • Brief description of the nature of loss/physical injuries, if any.
  • Photos of the accident and damaged two-wheeler.
  • Repairs Bills.

Contact Details

United India Insurance Company 

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)

Twitter: Twitter@UnitedIndiaInsu

Email: customercare@uiic.co.in (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: helpdesk@policyx.com (For assistance & complaints)

telesales@policyx.com  (For any Sales query)

Toll-Free Number: 1800-4200-269

United India Two Wheeler Insurance: FAQs

1. How much additional premium should I need to pay for electrical/electronic fittings under the policy?

You need to pay an additional premium of 4% on the value of such fittings.

2. Is there any condition for change in ownership in United India Two-wheeler Insurance?

You need to make sure to transfer the policy within 14 days from the date of transfer of ownership.

3. What is the depreciation rate for replacement of fibreglass components of my bike under the policy?

The depreciation rate is 30% for replacement of fibreglass components.

4. How much premium does the United India Two-wheeler policy charge for ‘Fibreglass Fuel Tank’ add-on cover of Miscellaneous Type of Commercial Vehicle and other vehicles?

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.

5. How much compensation is paid by the United India Two-wheeler Insurance policy in case of death or disability of the driver of the vehicle?

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.

6. What are the premium charges for the extension of the geographical area under my United India two-wheeler policy?

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 05-11-2020