United India Standalone Own-Damage Bike Insurance Policy

Riding a two-wheeler comes with some financial risks every day, which are a concern for both you and your family. Getting Read More

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It gives security that protects you and your two-wheeler in case something damaging happens and even provides financial support during any emergency situation. Own-damage two-wheeler insurance covers you from the expenses of accidents, theft, vandalism, fire, explosion, and natural and artificial calamities that require repairs. Purchasing this cover with compulsory third-party insurance ensures complete protection for your bike and others on the road.

United India Third Party Comprehensive Standalone Own Damage Zero Depreciation Claim Renewal Premium Calculator Policy Download Customer Care

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Features	Own Damage Insurance	Third-Party Insurance	Comprehensive Insurance
Coverage	Covers damages to your own vehicle due to accidents, theft, natural/man-made disasters, etc.	Covers damages or injuries caused to a third party (person or property).	Covers both own vehicle damages and third-party liabilities.
Legal Requirement	Not mandatory by law.	Mandatory by law in India.	Not mandatory, but highly recommended for full protection.
Third-Party Liabilities	Not covered.	Fully covered.	Fully covered.
Own Vehicle Damage	Fully covered.	Not covered.	Fully covered.
Premium Cost	Moderate.	Lowest, as it only covers third-party damage.	Highest, as it covers both own damage and third-party liability.
Theft Protection	Yes.	No.	Yes.
Natural/Man-Made Disasters	Covered.	No.	Covered.
Add-On Covers	Available for extra protection (e.g., zero depreciation, roadside assistance).	Not available.	Available for additional protection (e.g., zero depreciation, etc.).
Ideal For	People with an existing third-party policy wanting to cover their own vehicle's damage.	Those seeking minimal legal coverage for third-party liabilities.	People seeking full coverage for both their bike and third-party damages.

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Inclusions and Exclusions Covered in United India Standalone Own-Damage Policy?

Inclusions
Accidental Damage Covers damage to your bike due to accidents.Theft Provide protection in case your two-wheeler is stolen.Natural Disasters Covers damages from floods, earthquakes, storms, etc.Man-Made Disasters Covers damage due to riots, strikes, vandalism, etc.Fire and Explosions Coverage for damages due to fire, explosion, or self-ignition.Personal Accident Cover Optional add-on for coverage in case of personal injury.Towing Charges Expenses for towing the bike after an accident are covered.
Exclusions
Wear and Tear Damage due to normal wear and tear is not covered.Mechanical/Electrical Breakdown Not covered by the policy.Driving Without Licence No coverage if the driver does not have a valid licence.Drunk Driving No coverage if the accident occurs under the influence of alcohol or drugs.Outside Geographical Area No coverage for damages occurring outside the covered area.Consequential Loss Any damage that occurs as a result of initial damage (e.g., engine seizure due to water).Illegal Use No coverage for damages if the vehicle is used for illegal purposes.

How to Buy United India Bike Insurance?

Step 1: Visit the Square Insurance official website.Step 2: Select "Bike Insurance" from the "Insurance Products" menu.Step 3: For a new bike, click "Got a New Two-Wheeler."Step 4: If your bike is not new, enter your bike's registration number and click "View Plans."Step 5: Fill in the required details like RTO, make, model, variant, registration year, and more.Step 6: Review and choose an insurance plan offered by United India.Step 7: Complete the payment for the selected plan, and you'll receive the insurance document in your email soon.