United India Bike Insurance Review : Types, Highlights, Exclusions

If you are looking for a good and affordable bike insurance for yourself, then in this post of yours, you will get complete information about United India Bike Insurance Company. So let’s know, complete information about the insurance of this company-


United India Bike Insurance Review


United India Bike Insurance Review


There are many well-known and well-known bike insurance or two wheeler insurance companies in our country.  In such a situation, some of these companies are such that they give a good bike insurance, but their insurance is not affordable. 

But there are some Insurance companies whose insurance is good as well as affordable.  One such company is United India Insurance. Apart from motor insurance, this company also provides travel, home, life and health insurance. 

If we talk about the claim settlement ratio of this company, then it is 82%.  And more than 3100 network connectivity garages are present in this company. 

Which makes this company a good and authentic insurance company.  From this company you can take third party cover or personal insurance for yourself. 

So if you have made up your mind that you will take your two wheeler insurance from United India Insurance only, then read this post carefully. So that you can get complete information about this insurance.

Also Read : Acko Bike Insurance Review


United India Bike Insurance Highlights


United India Bike Insurance Highlights


Friends United India Bike Insurance Company is considered to be very big and famous.  In such a situation in India, this company also provides us with many offers, we have given some special highlights of this company, which you must pay attention to-

Key Highlights
Network Garages More then 3,100
Claim Ratio 82.93% in 2020(FY)
Policies Issued 1.75 Crore+
Help Assistance 24×7
Third Party Cover Available
Zero Depreciation Available
Accreditation AAA/Stable Rating by CRISIL
Online facilities Available
Personal Accident Cover Up to Rs 15 Lakh

Types Of Two Wheeler Insurance By United India


Friends, this company provides us with three types of two wheeler insurance, which we have mentioned below.  You can choose any one of these according to you-


Third Party Two Wheeler Insurance


If you want to drive any vehicle on the roads of our country, then it has been made very important for you to have a third party two wheeler insurance along with your vehicle papers. 

In such a situation, this company provides us with third party two wheeler insurance.  If you don’t know what is Third Party Two Wheeler Insurance? 

Then you can understand it in such a way that if any vehicle gets accident by you, then the next person i.e. third party will be insured by this company.


Own Damage Two Wheeler Insurance


Friends, you can also take own damage two wheeler insurance from this company.  In which this company gets protection cover from any type of natural damage like flood, typhoon, cyclone, hurricane, storm, landslide, earthquake, self-ignition, fire, lightning.


Personal accident cover


If you want to take a personal accident cover for yourself from this company, then this company also provides that.  If you are traveling anywhere, and you get into an accident. 

Then in case of accident in two wheeler, these companies give you personal accident cover up to one lakh.


Benefits of United India Two Wheeler Insurance


Friends United India Two Wheeler Insurance Company has many advantages.  Some of which we have explained in detail below.  If you are looking to get your bike insurance from this company, then you must know this.  So that you can take advantage of them anytime.


Network connectivity


While taking any insurance, it is very important to see the network connectivity of that insurance company.  So that you do not have to go far to get information about claims or anything later. 

If we talk about the network connectivity of this company, then in today’s time this company has more than 3100 network connectivity garages.


Customer support service


The customer support service of United India Bike Insurance Company is considered very good. 

If you have any query related to this insurance, or have any problem, then you can talk to the customer care of this company 24 hours a day, 7 days a week.  You can get more information.


Instant renewal system


The instant renewal system is also a good benefit of this company.  If your insurance expires, and you want to renew it.  Then you can easily renew it online too, or you can easily get it renewed by visiting its service center.  Which is very quick and easy to do.


Claim settlement ratio


Friends, the claim settlement ratio of United India Bike Insurance Company is 82%.  Which is considered very good.  This means, if you have to claim any type of insurance, then you will not have to face much trouble. 

If the claim settlement ratio of a company is above 80, then it is considered very good.


No claim bonus


This company also provides us with no claim bonus along with our insurance.  In which if you did not take any claim in the insurance taken last year, then you are given a maximum rebate of 20% in the coming year. 

And this exemption can go up to 50% in the next 5 years. But friends, you should not think that you will be given a discount of 20 or 50 percent of the total insurance cost. 

As an example, if your total insurance cost from this company comes to 20000, then maximum no claim bonus discount of 500 to 700 will be given to you in no claim bonus.


Some Exclusions of United India Company


Friends, we also get to see some exclusions in the two wheeler insurance coming by this company.  In such a situation, it is very important for you to know this exclusion, so that you do not repeat them.

1. If there is any kind of electrical or mechanical break down in your vehicle, then this company will not be responsible in that case.

2. If there is any kind of damage to the tire or tube in your vehicle, then this company will not be responsible in this situation as well.

3. If you are driving without any valid driving license, and you get into an accident.  Then no insurance claim of any kind will be given to you from this company.

4. If you drive under the influence of any kind of intoxicant like alcohol, and you get into an accident.  Then in that case this company will not have any responsibility.

5. Even if you are driving outside the geographical area given in the insurance, then this company will not give you any claim of accident or any other kind.

6. If you are using your vehicle for any kind of reward, carriage of goods, racing, pace making, speed testing or trial, even then this company will not claim you for insurance.


How to Renew United India Two Wheeler Insurance Policy?


Friends, if the insurance policy taken by you from United India Company expires, then you can renew it in the following steps-

First of all open the official website of United India Two Wheeler Insurance, after that enter your policy details and bike details.

After this choose the right plan for you, you can also change the plan, and also compare.

After this, if you want to add an additional cover for yourself, then you can do that too.  After which the option of online payment comes in front of you.

As soon as you complete the online payment, your United India Two Wheeler Insurance policy renewal process is completed. 

And a message also comes in your mobile.  In which a link to save a policy is given, with the help of which you can save your policy in mobile.


Conclusion


In today’s time, it is mandatory to have a valid insurance policy with you along with other documents of the vehicle while driving. 

In such a situation, if you are looking for a good insurance for your bike, then United India Bike Insurance can also be a good insurance option for you. 

In today’s post, we got complete information about United India Two Wheeler Insurance Policy.  Hope you liked our post today and helped you choose the best bike insurance for yourself.

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