Home to the famous Golden Temple, Amritsar is the second largest city of Punjab. Amritsar is a major tourist hotspot, with vicinity to the Wagha border and various cultural and historical spots. Two-wheelers share the majority of the vehicle traffic in Amritsar, meaning the need for a two wheeler insurance policy in the city is quite high. Two wheeler insurance in Amritsar not only gives protection against any uncertain damages – but also makes your vehicle legally compliant to be able to ride on Indian roads, as per the Motor Vehicle Act 1988.
While riding motorcycles in the city of Amritsar helps navigate the narrow roads and gullies, the rider has to face many challenges in the city and would greatly benefit if they had bike insurance. Here are things to consider while purchasing a two-wheeler insurance policy in Amritsar:
350 vehicles were involved in accidents in Amritsar, according to a report by the Transport Department of Punjab in 2022. Accidents lead to fatalities and damage to the vehicle – which will be covered by bike insurance if you have one.
Several areas in Amritsar are known for traffic congestion, including Putlighar Chowk, Gwalmandi Chowk, and areas around the Golden Temple. These traffic-heavy areas are considered high-risk areas, as the likelihood of accidents and mishaps is high. Riding without two-wheeler insurance in these areas is a grave mistake.
It is seen that Amritsar has a high number of vehicular thefts in the monsoon season. According to Police data, Amritsar is the second-highest theft risk city in Punjab, just after Ludhiana. In case of theft or total damage, bike insurance covers and compensates the IDV of the bike to the policyholder.
Amritsar is blessed with ample rainfall every year. But, due to waterlogging and potholes. Recently, in early July 2025, torrential downpours caused extensive street flooding, disrupting traffic and paralysing two-wheeler commutes. Also, due to waterlogging, engine damage is possible – which can be protected by engine protection cover under add-ons in bike insurance.
As per the Motor Vehicle Act 1988, a third-party bike insurance policy is mandatory in Amritsar. Failing to get one will result in fines up to ₹4,000 in Amritsar.
You can make cashless claims at the network garages of insurers that are spread across the city. So, make sure you buy from an insurer that has a network garage accessible to you, to make cashless claims. Also, ensure that the insurer is a reputable one, with an excellent support system and easy claims.
The 3 main types of bike insurance available through Coverfox in Amritsar are:
A third-party bike insurance policy covers any liabilities caused by an accident involving your vehicle to a third party (person/property/vehicle). According to the Motor Vehicle Act 1988, third-party insurance is mandatory for every bike to ride on public roads in Amritsar and throughout India.
A comprehensive bike insurance policy ensures complete coverage, ensuring all-around protection. This includes any third-party liability, damage done to your vehicle and protection that can be extended using Add-ons.
This type of bike insurance covers damage done only to your bike. It is only available to you if you already have third-party bike insurance. A standalone own damage insurance policy is useful when you wish to buy third-party insurance from some other company and need further coverage for your bike (you can also customise it using Add-ons).
You can purchase two-wheeler insurance online through Coverfox in Amritsar by:
Coverfox provide 3-minute renewals for two-wheeler insurance policies in Amritsar:
If your old policy is from Covefox, then:
Your policy will be renewed after the payment and verification of documents.
You will need the following documents for buying/renewing two-wheeler insurance in Amritsar:
To file a cashless/reimbursement two-wheeler insurance claim in Amritsar, follow these steps:
Reduce your two-wheeler insurance premiums in Amritsar by following these easy tips and tricks:
While riding in Amritsar, you need to make sure you are equipped with the best possible two-wheeler insurance – for better protection, legal compliance, and ease during claims. To find what suits your bike insurance needs the best, Coverfox is the answer. Get the best deals on two-wheeler insurance policies in Amritsar through Coverfox! Get insured today.
Yes, a third-party bike insurance policy is mandatory in Amritsar.
Compared to rural areas, yes. Compared to metropolitan cities like Mumbai, Pune, Bangalore, no.
Details of the bike, age, make, model, driving habits of the rider, geographical area, type of insurance, add-ons, etc all affect the premium price of two-wheeler insurance in Amritsar.
₹2,000-₹4,000.
