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Difference Between Third Party and Comprehensive Bike Insurance
| Factors | Third-party Bike Insurance | Comprehensive Bike Insurance |
|---|---|---|
| Coverage | Covers third-party injury or property damage only. | Covers third-party liabilities and damages to your own bike. |
| Legal Requirement | Mandatory by law in India. | Not mandatory but recommended for complete protection. |
| Cost | Cheaper due to limited coverage. | More expensive due to broader coverage. |
| Own Damage | Does not cover damage to your own bike. | Covers damages to your bike from accidents, theft, or natural disasters. |
| Add-ons | No add-ons available. | Allows optional add-ons like zero depreciation, roadside assistance, etc. |
| Theft Protection | Not covered. | Theft of the bike is covered. |
| Natural Disasters Coverage | Not covered. | Covers damages from floods, earthquakes, and other disasters. |
What is Covered and Not Covered in United India Third Party Bike Insurance Policy
What is Covered in United India Third Party Bike Insurance Policy
Covers the Injury to Third Parties
The insurance pays in cases where your bike causes injury or results in the death of another person.
Covers the Damage to Third-Party Property
It covers damages to property of other people, caused by your bike.
Covers the Legal Expenses
It also covers the legal costs and compensations linked with third-party claims.
What is Not Covered in United India Third Party Bike Insurance Policy
Does not Cover the Damage to Your Own Bike
This insurance policy does not cover the repair or replacement cost for your own bike in case of any damage.
Does not Cover the Personal Injury
It does not cover the cost of injuries of the owner or the driver of the bike in case the bike meets with an accident.
Does not Covers the Theft or Natural Disasters
Loss or damages due to theft, natural calamities, or further risks other than third-party risks are not covered.
Bike Insurance Plans By United India

HDFC
NCB : 50%IDV: ₹13712

IFFCO
NCB : 50%IDV: ₹27700

TATA
NCB : 50%IDV: ₹20914
ICICI
NCB : 50%IDV: ₹17880