United India Bike Insurance Claim
|Claim Settlement Ratio||82.93% in FY20|
|Policies Issued (FY-19)||1.75 Crore+|
|Third Party Cover||Available|
|Accreditation||AAA/Stable Rating by CRISIL|
United India Bike Insurance Claim
United India General Insurance has marked its excellence in settling claims in the financial year 2019-2020 through its impressive claim settlement ratio of 82.93%. It has successfully resolved the issues of its policyholders swiftly.
United India General Insurance has framed a seamless claim settlement process to make it a hassle-free experience for the policyholders. It has an efficient helpdesk team to provide support to the policyholders throughout the process. Every information related to the United India claim settlement process has been described below.
Documents Required for United India Bike Insurance Claim
Following documents are required at the time of settling a bike insurance claim:
- Duly filled and signed claim form
- Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims.
How To Make United India Cashless Bike Insurance Claim?
United India General Insurance has made the claim procedure hassle-free and the policyholders can easily execute it by following the simple steps.
Step 1: Contact United India General Insurance
To initiate the claim settlement procedure, the policyholder should inform the insurer within 24 hours of the incident, be it theft, accident or any damage to the bike. You can get in touch with United India General Insurance by dialling its toll-free number 1800-425-333-33 or regional customer care number available on its official website. You can even visit the nearest branch or register the claim online to initiate the claim settlement process.
Step 2: Register Claim
A representative of the insurance company contacts you after the intimation. You have to inform him of the policy number, date, time and location of the incident and all other related details. The representative provides you with a claim registration number which should be saved for future usage.
Step 3: Survey of Damages
A company surveyor is sent to assess the extent of the damages caused to the bike during the accident. In the case of third party property damage, you should provide its vehicle registration number. You can even provide contact details of witnesses as proof. The surveyor estimates the cost of repair and collects the duly filled claim form, policy documents and proves of the incident.
Step 4: Claim Settlement
After assessing all the aspects, the surveyor gives approval. The insurer confirms its financial and legal liabilities and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated taking the deductibles and depreciation into consideration.
How To Make United India Reimbursement Bike Insurance Claim?
A reimbursement claim can be registered if you can not find a network garage nearby or want to repair the bike in any other garage. The policyholder receives compensation for the repairs through a reimbursement claim. The process of placing a reimbursement claim is described in the following steps.
Step 1: Contact the insurer
You can initiate the reimbursement process by dialling its helpline number 1800-425-333-33 or the regional customer care number available on the official website of United India. You may even intimate the insurer by visiting the nearest branch. The insurer should be informed immediately after the accident or theft of the insured’s bike.
Step 2: Register A Claim
United India Insurance company executive calls you back after the intimation. You have to inform the executive about the policy number and details about the accident. You receive a unique claim reference number from the executive
Step 3: Survey of the Damages Incurred
The insurance company appoints a surveyor to check the condition of the bike. You should not move the bike to the garage before the surveyor arrives. The surveyor prepares an estimate of the cost of repair and collects the required documents, duly filled claim form and contact numbers of witnesses or photos of the incident as proof.
Step 4: Repair and Reimbursement
After the approval from the surveyor, you can move the bike to your desired garage and get it repaired at your own expense. After the completion of the repair, the bills and receipts of repair along with policy documents are to be submitted to the insurer for the reimbursement. The company verifies the case and disburses the claim amount factorizing all the deductibles and depreciation.
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*TP price for less than 75cc two wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
Common United India Bike Insurance Claim Rejection Reasons
United India General Insurance has a set of specific conditions for the approval of the claim. The claim is rejected by the insurance company under the following circumstances:
- Act of negligence
- Driving without license
- Misinterpretation of facts
- Registration of a fraud claim
- Claiming wrong coverage amount
- Improper functioning of the vehicle parts
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer.
United India No Claim Bonus
Among the many benefits of purchasing an own-damage cover from United India General Insurance, they also offer No Claim Bonus to their customers for every claim-free year. A cumulative reward, it gets higher with every consecutive claim-free year. In the fifth consecutive year, the NCB reaches its maximum of 50 per cent. The insurance holder, however, disables the accumulated NCB the moment a claim is filed. Whether the claim is a minor or significant is inconsequential to the loss of the NCB. Hence, it is advised that policyholders only apply for an insurance claim when the damaged caused by the mishap is significant.
Moreover, the insurance holder also has to ensure that they renew the two-wheeler insurance policy on time. If they fail to do so they risk losing their accumulated NCB. To avert such losses United India gives its customers an extra 90 days within which to renew their policy as a grace period. However, any delays after this period will lead cancel the policy and the NCB that has been accumulated will be lost. But if the insurance holder is shifting to a different insurance company or selling their two-wheeler to purchase a new one and has renewed on time the NCB will just be transferred. This is because the reward is given as an incentive for safe craving. It is attached to the owner/driver rather than his two-wheeler or a particular policy.
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United India Bike Insurance Claim FAQs
What are cashless garages?
Cashless garages or network garages refers to those garages that have a mutual understanding with the insurer for the repair of a vehicle insured under their policy. These garages provide free repair and replacement services for the damages to the insured’s bike.
When should I inform the police and the insurer after an accident?
You should lodge an F.I.R at the nearest police station immediately after the accident or theft and contact the insurer by visiting its nearest branch or calling its official helpline number 1800-425-333-33 within 24 hours of the incident.
What are the documents required for the claim settlement in case of theft of the insured’s bike?
The following documents are required for the claim settlement in case of theft of the insured’s bike:
- A copy of F.I.R lodged at the nearest police station
- A “non-traceable” report from the police authority
- Transfer papers from Road Transport Office (RTO)
- Original keys of the insured’s bike
- A copy of the Certificate of Registration
- Duly filled claim form.
How can I find the nearest cashless garage?
You can find out the nearest cashless garage from the list of “Cashless Garage details” on the official website of United India or call its toll-free number 1800-425-333-33 for assistance.
Where can I get the claim form of United India bike insurance?
You can get the claim form of United India bike insurance policy online in the following steps:
- Go to the official website of United India General Insurance
- Click on the “Claims” option
- Download the claim form from the claim form page.
Why to buy from InsuranceDekho?
- Instant policy# within 5 mins
- More than 45 lac happy customers
- Claim Support available all 7 days of the week
United India Bike Insurance Contact Details
InsuranceDekho7551196989Mon to Sun 10 AM to 7 PM
United India Contact Details1800-425-333-33Toll-Free
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