IOB USGIC Two Wheeler Insurance

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IOB USGIC Two Wheeler Insurance

Get complete protection with USGIC Two Wheeler Insurance by Indian Overseas Bank—accident cover, discounts, cashless garages, and more for your bike.

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Details for IOB USGIC Two Wheeler Insurance

USGIC Two Wheeler Insurance from Indian Overseas Bank offers extensive coverage for your bike, protecting against theft, fire, natural disasters, and accidental damages. Enjoy benefits like discounts for a claim-free history, higher voluntary excess, and anti-theft devices. The policy also covers personal accident for pillion riders, loss of accessories, and legal liability for the driver. Additional advantages include depreciation coverage for parts replacement and a No Claim Bonus for subsequent renewals. With cashless garage facilities and valuable add-ons like Personal Accident and Personal Damage Cover, it ensures a hassle-free and cost-effective insurance experience.

Policy Exclusion

  • Any accidents outside the Geographical Area
  • Consequential loss, normal wear and tear
  • Driving without valid license for the class of vehicle. Driving under the influence of liquor/drugs
  • Vehicle not being used as per Limitation as to use defined

Additional Benefits

  • For claims free experience, discount available on subsequent renewals
  • Discount for opting higher voluntary excess
  • Discount for provision of approved anti-theft devices
  • Concession for specially designed/modified vehicle for blind, handicapped and mentally challenged persons
  • Depreciation, for the parts needing replacement in the accident is defined
  • Loss of accessories
  • Legal liability to paid driver, cleaner or any workman
  • Personal Accident to the pillion riders
  • The Policy covers loss or damage to the vehicle insured arising out of - Fire, explosion, self ignition, lightning, burglary, theft, riot, strike, malicious act, terrorism, earthquake, flood, typhoon, accidental external means, landslide or rockslide, road/rail/inland waterway/air transit

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