Bike Insurance in Guwahati — Two-Wheeler & Scooter

Yes, bike insurance is mandatory across all of India including Assam under the Motor Vehicles Act, 1988.

• Minimum required: Third-Party Liability insurance
• New bikes: As per Supreme Court directive, new two-wheelers must have a minimum 5-year Third-Party policy
• Penalty for no insurance: Fine of ₹2,000 (first offence), ₹4,000 (repeat offence), and/or 3 months imprisonment

However, we always recommend Comprehensive insurance for bike riders in Assam — the road conditions, floods, and accident risk make own-damage coverage essential. The difference in premium is very small for the protection it provides.

A lapsed insurance policy has serious consequences:

• No claim coverage — any accident or damage during the lapsed period is 100% your own cost
• Legal risk — driving without valid insurance is illegal and attracts fines up to ₹4,000
• Loss of NCB — if you don't renew within 90 days of expiry, your No Claim Bonus (up to 50% discount) is permanently lost
• Fresh inspection — after 90 days, the insurer may require a physical inspection of your vehicle before renewing

Our advice: Renew at least 2 weeks before expiry. We send you renewal reminders so you never miss your date. Call us at 70996 09955 — we'll renew your policy same day.

Yes! Motor insurance issued in India is valid across the entire country — all 28 states and 8 Union Territories, including all Northeast states: Meghalaya, Manipur, Nagaland, Mizoram, Tripura, Arunachal Pradesh, and Sikkim. You do not need a separate policy for each state.

However, keep in mind:
• Permits: Some Northeast states require Inner Line Permits (ILP) or Protected Area Permits — these are separate from insurance
• Third-party and Comprehensive cover are both valid everywhere in India
• If you have Roadside Assistance (RSA) as an add-on, it covers you across India — very useful on remote NE hill roads

If you frequently travel across Northeast states, we recommend adding RSA and Engine Protect cover to your policy. Call us to upgrade.

Yes. Electric two-wheelers have their own premium rates, and the battery is a costly part. Tell us the exact model so the policy and IDV are right — then the battery is covered like any other part in an own-damage claim (subject to the policy terms).

Yes! When you sell your old vehicle and buy a new one, you can transfer your accumulated NCB to the new vehicle's policy. You have 3 years from the date of sale to use the NCB. We handle all NCB transfer paperwork for you.