United India Bike Insurance Claim

In the financial year 2022-2023, United India General Insurance was very good at handling claims, successfully settling 82.93% of them quickly and resolving policyholder issues quickly.

United India General Insurance has designed an effortless and seamless claim process so that policyholders do not experience any hassle at the time of claiming. They have a support team that can assist the policyholder in the whole process of claiming. Further detail on the processing of claims by United India General Insurance is given in detail here.

Required Documents for United India Bike Insurance Claim

To settle a bike insurance claim, you need the following documents:

1In Case of Accidental Damages

Duly filled claim form
Copy of the bike insurance policy
FIR (if required)
Repair bills and receipts
Surveyor’s report
RC (Registration Certificate) of the bike
Driving licence of the rider at the time of the accident

2In Case of Bike Theft Claims

Duly filled claim form
Copy of the bike insurance policy
FIR copy
No Trace Report from the police
RC of the bike
Keys to the bike
Purchase invoice for the bike
ID proof of the policyholder

3In Case of Third-Party Claims

Duly filled claim form
Copy of the bike insurance policy
FIR copy
RC of the bike
Driving licence of the rider
Any legal notices received from the third party

How To Make United India Bike Insurance Claim?

1To Claim Bike Accident

Step 1: After the accident, take necessary measures to ensure your safety. Then, if needed, file an FIR.
Step 2: Send your bike to a network garage for repair. The garage will initiate the claim process and send it to the insurer.
Step 3: Then the insurer will send a surveyor to inspect the damages and analyse the situation.
Step 4: After receiving approval from the surveyor, the garage will begin the repair work.
Step 5: Once the repair is finished, the surveyor makes another visit to see the final work and issues a DO.
Step 6: If you go for a cashless claim, the insurer directly pays the garage.
Step 7: If you go for reimbursement, the insurer settles the bill with you based on the terms of your policy.

2To Claim Bike Theft

Step 1: In case of theft of the bike, an FIR needs to be filed and informed to the insurance company without any further delay.
Step 2: Submit all the required documents to the insurance company, along with the original keys of the bike.
Step 3: The police issue a non-traceable certificate after a specific time given by them to locate your bike.
Step 4: With that certificate, the insurance company will consider it a total loss and will return you the IDV value of your bike.

3To Claim Third-Party Damages

Step 1: If there is an accident and you hit somebody else's bike, inform the police and the insurance provider immediately.
Step 2: If somebody hits your bike, just get his insurance details and claim it under third-party liability.
Step 3: Then the case is sent to the Motor Insurance Claim Tribunal Court by the insurance company for getting the final decision regarding the case.
Step 4: The matter is then taken to the tribunal court, which decides how much should be paid as compensation.
Step 5: In case it is your fault, you follow the same procedure and then compensate the third party.

Note: In the case of third-party damage, there are two aspects: in the case of a property damage case, compensation limits are drawn to ₹1 lakh. In the case of injury/disability or death, the compensation amount shall be determined by the tribunal court.

Common Reasons for United India Bike Insurance Claim Rejection

Following are the conditions where United India can reject claims:

Driving under intoxication
Acts of negligence
Driving without a licence or an invalid licence
Misrepresentation of facts
Filing fake claims
Wrong claims on coverage amount
Accident due to poor vehicle maintenance
Insufficient details were given for the claim
There is a delay in informing the insurer in case of an accident.

FAQs

Cashless garages are service centres where your insurance company pays directly for repairs, and hence the need to pay out of pocket would be required only for deductibles.

To check the "Cashless Garage details" visit the United India website or call their toll-free number at 1800-425-333-33 to assist you.

For bike theft claims, you need:

Duly filled claim form
Copy of the insurance policy
FIR copy
No Trace Report from the police
RC of the bike
Keys to the bike
Purchase invoice of the bike
Policyholder's ID proof

Yes, claim status can be tracked online from the United India website using your claim reference number.

The time of the settlement of claims depends on various claim types, but in general, United India is prompt in claim settlement once all documents are submitted.

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