Guwahati, the vibrant gateway to Northeast India, is growing rapidly, witnessing a rise in opportunities, infrastructure, and population, which has led to a booming number of vehicles on its roads. As of mid-2023, about 6 lakh two-wheelers have been registered in the city. Two-wheelers continue to be the go-to option for commuters thanks to their ease in navigating congested streets and affordability. Yet, riders face persistent challenges such as frequent traffic jams, chaotic lanes, and higher accident risk, underscoring the importance of two-wheeler insurance for both financial protection and peace of mind. Moreover, under the Motor Vehicles Act of 1988, carrying at least third-party two wheeler insurance is legally mandatory, ensuring both accident victims and third parties receive due compensation.
Guwahati, being the most populated city in Assam, poses a major challenge for two-wheeler riders in the city. Traffic jams, accidents, thefts, natural disasters, and other major challenges are faced every day by the two-wheeler owners in Guwahati, calling for the need for two-wheeler insurance in Guwahati. Here are the major obstructions that two-wheeler owners face in Guwahati that call for the need for bike insurance:
The city reported 755 road accidents, leading to 267 fatalities in 2023, as per the Police Reports. Two-wheeler accidents can lead to fatal injuries or severe damage which can cost you a hefty amount. Having a personal accident cover, a TP bike insurance, and a comprehensive bike insurance policy ensures your two wheeler ride is safe and secured in Guwahati.
In a January 2025 incident, two two-wheelers were stolen from a private property near the Sankar Hotel, as per FIR reports. Similar theft records have been seen in Mazar Road, Sijubari, Kalapahar area in Guwahati. Without two-wheeler insurance in Guwahati, you will not be able to recover the amount for your bike if it gets stolen.
Guwahati is infamous for receiving an ample amount of rainfall each year. The Bharalu River, a major tributary of the Brahmaputra, is a key factor, often overflowing during the monsoon. Reports, particularly from the 2025 monsoon season, show several parts of the city experiencing significant waterlogging. Among the most affected areas are Jorabat and Lokhra, Zoo Road, G.S. Road, and R.G. Baruah Road. Floods can easily damage your two-wheelers, causing engine damage and potential engine failures. If you have engine protection cover in a comprehensive bike insurance policy in Guwahati, you will be financially secured.
Not having bike insurance in Guwahati can lead to some hefty fines – up to ₹4,000! Having TP bike insurance in Guwahati ensures legal compliance, and liability that has arisen from an accident is covered.
Even if you have bike insurance in Guwahati, sometimes an insurer may reject claims due to minute issues or misinformation in the claim process. Ensure to get the best insurer for your bike insurance, having a good CSR and claim-support team.
Finding a garage that is tied up with your bike insurer is a hassle. Instead, get a bike insurance policy from an insurer that has a wide network of garages – so that you can avail cashless claims anytime you want.
Protect your bike in Guwahati with quick and hassle-free online bike insurance from Coverfox by following these simple steps:
Go to the Coverfox platform from your browser or app.
Type in your bike’s registration number (as issued by the Guwahati RTO) in the field provided.
If you’ve recently bought a bike in Guwahati, click on "Bought a new bike?" to start your policy purchase.
Enter your bike’s RTO registration details as per the Guwahati Regional Transport Office.
Hit the “Get Quotes” button, and you’ll be redirected to a page showing multiple quotes from leading insurance providers.
Select the policy that best suits your needs and budget.
Proceed with payment through Coverfox’s secure online payment gateway, offering you peace of mind.
Once your payment is confirmed, your bike insurance policy will be emailed directly to your registered address, ensuring that you stay covered.
To buy or renew two-wheeler insurance in Guwahati, you’ll need to have a few essential documents ready. First, ensure you have your bike’s registration certificate (RC) handy, as this is required to verify the registration details.
If you’re renewing your policy, previous insurance details will be necessary to facilitate the renewal process. Additionally, you’ll need identification proof to confirm your identity and address proof to verify your residence, both of which can be in the form of government-issued documents like Aadhar, voter ID, or utility bills. Having these documents ready will make your bike insurance purchase or renewal in Guwahati smooth and efficient.
You can file for two-wheeler insurance claims online in Guwahati or opt for cashless claims. Here’s how:
Yes, third-party two-wheeler insurance is mandatory in Guwahati.
When compared to urban cities like Mumbai, Delhi, and Pune, Guwahati has a lower insurance premium rate as the cost of repairs, accidental risks are significantly lower. However, it should be higher than in a rural area.
The bike’s make, model, variant, IDV, deductibles, NCBs, geographical location, add-ons, type of coverage, etc are the major factors affecting the two-wheeler insurance in Guwahati.
₹2,000 for the first offence, ₹4,000 for subsequent offences.
