United India Bike Insurance Claim
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
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
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