Bike Insurance in Assam

Why Bike Insurance is Essential in Assam?

Take a look at the reasons listed below to understand why it is important to have a valid bike insurance policy in Assam:

1. High Accident Rate

   In Assam, overspeeding and reckless driving contribute to over 70% of the accidents in the state. As two-wheeler riders are particularly vulnerable, it is important to have a valid bike insurance policy that offers financial coverage for accidents and bike damage.

2. Difficult Riding Conditions

   In Assam, there is a risk of landslides in rural areas during the rainy season. As a result, there is a high chance of abrupt road damage leading to fatalities and injuries.

3. Poor State of Rural Roads

   Riding your two-wheeler on Assam's rural roads is quite risky, as a majority of the roads are in poor condition. This is particularly an issue in the Jorhat district.

4. Legal Mandate

   As per the Motor Vehicles Act, 1988, having a valid bike insurance policy in Assam is a mandatory requirement for riding your two-wheeler. If you do not comply with this regulation, you will be penalised with traffic fines.

Finding the Right Bike Insurance Policy in Assam

Here are some important guidelines that will help you find an appropriate two-wheeler insurance policy in Assam that meets your coverage requirements and budget.

1. Assess your Coverage Needs

   When searching for an appropriate two-wheeler insurance policy in Assam, you must have a clear idea of how much coverage you need. Ideally, you must select a policy considering how much you use your two-wheeler. If you use your bike daily, you must buy a comprehensive bike insurance policy as it provides extensive coverage.

2. Check the Availability of Suitable Add-Ons

   As Assam has many hilly roads and is prone to heavy monsoons and landslides, it is important to verify if the policy offers suitable bike insurance add-ons that cover these risks.

3. Check the Insurer's Cashless Garage Network

   It is important to check which insurer has ample cashless repair centres across major Assam cities, like Guwahati, Dibrugarh, Silchar, etc. This will allow you to get your bike repaired at an authorised facility quickly.

4. Evaluate the Insurer's Claim Process

   Before choosing your policy, check which bike insurance company offers a quick and hassle-free claim application process . This will help you to file a claim application during emergencies easily.

How to Compare Bike Insurance Policies in Assam?

You must compare different bike insurance policies to find the best one that matches your unique needs. Here is how you can do it:

1. Reliable Customer Support

   Assess which insurance provider has the most responsive customer service team. This is a crucial factor to check, as assistance might be required during claim submissions or in urgent situations.

2. Renewal Flexibility

   Check which bike insurance provider offers the easiest online renewal and a helpful renewal reminder service. These elements will help you to maintain seamless risk coverage.

3. Verify the Insurer's Reputation

   Before purchasing your Assam two-wheeler insurance policy, you must visit different online websites and review customer feedback & ratings to understand the insurer's market presence and reliability.

Which Type of Bike Insurance Policy is Ideal in Assam?

Two-wheeler riders in Assam face many challenges, such as landslides, heavy traffic, and damaged roads. Keeping these risks in mind, you must buy a comprehensive bike insurance policy to get the maximum coverage. This policy will safeguard you against typical risks such as accidents, third-party liability, and bike theft. But if you are looking for minimal coverage, you can buy an own-damage bike insurance policy. You can simply add extra add-ons to boost your insurance protection. Take a look at these popular add-ons:

• Invoice Protection Cover
• Zero Depreciation Cover
• Engine Protection Cover

How to Buy Bike Insurance Online in Assam?

You can purchase your bike insurance policy in Assam by following these steps:

• Step 1: Visit Policybazaar.com and tap on 'Two-wheeler Insurance' on the homepage.
• Step 2: Fill out your bike registration number and tap on 'View Prices'. If you are buying a new two-wheeler, tap on 'Purchasing a New Bike?'
• Step 3: Choose your two-wheeler's make, model, and Assam RTO. Type your mobile number and tap on 'Submit'.
• Step 4: Your screen will show many bike insurance policies. Pick a policy that suits your needs and hit the 'Buy Now' button. You can also include optional add-ons to your policy at this step.
• Step 5: Fill in the required details and complete the payment online.

Your Assam bike insurance policy documents will be sent to your email ID after your payment is processed.

Challan for Not Having Bike Insurance in Assam

Driving without a valid two-wheeler policy is a traffic offence in Assam under the Motor Vehicles Act, 1988. Traffic authorities will levy a traffic challan of ₹1,000, along with a three-month jail term.

FAQs on Bike Insurance in Assam