Bike Insurance in Guwahati

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Bike Insurance in Guwahati

Guwahati, the largest city of Assam, is often known for its rich cultural heritage, ancient temples, and vibrant markets. With the city serving as a crucial hub for commerce and tourism, the roads witness a lot of vehicles.

Given the varying road conditions, it becomes imperative for individuals to prioritise the protection of their vehicles through reliable bike insurance in Guwahati. As residents and visitors alike explore the city's cultural landmarks, the unpredictable nature of road travel underscores the necessity for financial protection.

This blog aims to provide valuable insights about the best bike insurance in Guwahati while outlining the procedures and benefits it entails.

All About Bike Insurance in Guwahati and Why You Need One

Bike insurance policies play a vital role as indispensable financial protection for bike owners, aka motorists in Guwahati. A bike insurance policy constitutes a formal contractual agreement between the bike owner and the insurance company, wherein the coverage for damages and liabilities is provided in exchange for a premium.

Adhering to the stipulations of the Motor Vehicle Act of 1988 and its amendments, it is mandatory for every vehicle owner in the state of India to acquire, at a minimum- a third-party insurance for their respective vehicle. Nevertheless, the choice of opting for a comprehensive bike insurance policy extends beyond mere compliance, offering a broader range of protection against several damages.

Problems Faced by Bike Owners in Guwahati

Bike owners in Guwahati encounter a distinctive set of challenges owing to the state's unique geographical, climatic, and cultural factors. Below are a few:

Monsoon: The frequent and heavy monsoon rains pose a significant issue as they contribute to the accelerated wear and tear of bike components, demanding more frequent maintenance.

Terrain Variability: Guwahati's diverse topography, featuring hills and varying elevations, can strain bike engines and brakes, demanding special maintenance considerations.

Road Conditions: Uneven road surfaces and varying conditions, especially in rural areas, pose challenges for bike owners, leading to increased wear and tear on the vehicle.

Security Concerns: Specific areas may pose security challenges for parked bikes, requiring owners to be mindful of safe parking spaces and invest in anti-theft measures.

Tata AIG Bike Insurance in Guwahati

  • Tata AIG provides three categories of two-wheeler insurance, each offering distinct features tailored to individual needs.

  • Tata AIG Third-Party Bike Insurance

  • Tata AIG Standalone Own Damage Cover Bike Insurance

  • Tata AIG Comprehensive Bike Insurance

  • Below are their details:

Tata AIG Third-Party Bike Insurance

A third-party insurance policy for motorcycles serves as a safeguard against financial and legal responsibilities arising from damage caused by your insured motorcycle to third-party entities. This insurance for 2-wheelers offers coverage for damages to a third party's property or vehicle, as well as injuries or fatalities involving them.

It is crucial to acknowledge that third-party bike insurance policies do not allow for additional add-on features. The premiums for such policies are relatively affordable, as they are established and standardised by the Insurance Regulatory and Development Authority of India (IRDAI).

Inclusions of Insurance  Exclusions of Insurance
Third-party Liability Theft or Fire Damage
Legal Expenses Own Damage
Property Damage Personal Injury to the Owner/Rider
Add-ons and Optional Covers
The emphasis of third-party insurance is on addressing liabilities concerning third parties. For added advantages and heightened protection, it is advisable to explore Tata AIG's comprehensive bike insurance. 

**Tata AIG Standalone Own Damage Cover Bike Insurance** Own damage bike insurance coverage is a specialised type of two-wheeler insurance designed with precision to provide exclusive protection for your insured motorcycle in the event of losses or damages. These damages can arise from various incidents, such as accidents, natural disasters, vandalism, theft, riots, collisions, and more. In the unfortunate event of such occurrences, this coverage guarantees compensation for the sustained damages, offering financial support for the replacement and/or repair of your motorcycle's components.

Inclusions of Insurance  Exclusions of Insurance
Theft or Malicious Acts Drunk Riding Damages
Fire & Explosion Third-party Damages
Man-made Damages Outside Policy Terms
Damage Beyond Repair Riding without a Licence
Accidental Damages Mechanical/Electrical Breakdown
Ideal for individuals residing in or traversing regions with elevated risks or a heightened likelihood of accidents, safeguarding their motorcycles

**Tata AIG Comprehensive Bike Insurance** A comprehensive motorcycle insurance policy provides extensive protection for the individual, the vehicle, and third-party liabilities, encompassing a broad spectrum of potential damages. This encompasses accidental damages, losses from events like fire, theft, or total loss, as well as damages resulting from natural disasters such as earthquakes and floods or human-made disasters like riots and acts of terrorism. In addition to the mentioned coverage, this all-inclusive insurance for a 2-wheeler ensures financial security for third-party liabilities, including bodily injuries caused by a third party and damages to their vehicle or property in the event of an accident involving the insured bike. Moreover, personal accident cover constitutes an integral component of a comprehensive bike insurance policy.

Inclusions of Insurance Exclusions of Insurance
Damage caused to bike due to accident, fire, natural disasters, man-made causes, or theft Absence of add-on and covering specific damage
Personal Accident Cover for Owner/Driver  Damage caused due to driver/owner driving without wearing a helmet or valid licence
​​Add-ons for Extensive Coverage Damage caused due to driver-owner negligence
Third-party liability Ordinary wear and tear due to usage
Suited for individuals seeking comprehensive insurance with additional protection.

Best Bike Insurance in Guwahati: Third-Party Vs Standalone Own Damage vs Comprehensive Bike Insurance

Parameters  Third-Party Bike Insurance Standalone Own Damage Insurance Comprehensive Bike Insurance
Coverage Third-party bike insurance is a foundational insurance that provides legal and financial coverage for damages inflicted upon a third party by your insured motorcycle Standalone own-damage bike insurance focuses solely on addressing damages and losses suffered by the insured motorcycle Comprehensive bike insurance offers protection for accidents and third-party liabilities, encompassing personal accident cover for the owner-driver.
Third-party Damage This insurance ensures that you receive financial and legal assistance for any liabilities arising from incidents involving third parties This insurance type does not extend coverage to third-party liabilities It includes coverage for third-party liabilities related to the insured bike
Add-ons Third-party insurance does not include any add-ons. Additional features, known as add-ons, can be integrated into this insurance category Unique add-ons can be added to enhance the comprehensive insurance coverage
Which is a Better Insurance? Despite its limited coverage, third-party insurance is mandatory under legal regulations It exclusively offers coverage to insured bikes and does not include any supplementary features Comprehensive bike insurance is all-encompassing, providing overall protection

What is the Two-Wheeler Insurance Rate in Guwahati?

**Several factors contribute to the determination of premium two-wheeler insurance rate in Guwahati, particularly in the case of comprehensive plans. These factors include:

IDV (Insured Declared Value): What IDV means in bike insurance is a critical determinant of premium rates. It represents the maximum amount payable by the insurance provider in the event of a total loss. Higher IDV values result in higher premiums, as insurance providers assume greater liability for potential payouts.

Make and Model: The make and model of the bike play a crucial role in shaping insurance premiums. High-end and luxury bikes often attract higher two-wheeler insurance rates in Guwahati due to elevated repair costs and replacement rates, while lower or medium-range models typically incur lower premiums owing to their more manageable repair costs and replacement rates.

Add-ons: Additional coverage options, referred to as add-ons, can be integrated into comprehensive policies at extra costs. These add-ons provide enhanced protection against various unforeseen expenditures, including services such as roadside assistance, zero depreciation, or engine protection.

No Claim Bonus: Maintaining a claim-free record is rewarded through the no-claim bonus, which offers discounts on premiums during policy renewal. Accumulated no-claim bonuses serve as a reward system for responsible riding behaviours.

Third-Party Bike Insurance Premium Rates

The pricing of your third-party insurance policy is contingent upon factors such as the cubic capacity (cc) of the vehicle engine and other pertinent considerations. Additionally, the premiums for third-party bike insurance are consistent across various providers. Uniform annual rates are set by the Insurance Regulatory and Development Authority of India (IRDAI).

In the context of bike insurance rates in Guwahati, it becomes imperative to recognise the potential for changes in premium rates. Hence, comparing rates before purchase is highly recommended. Through this comparative analysis, individuals can guarantee the acquisition of the most fitting and cost-effective third-party insurance policy for their bikes in Guwahati.

How to Choose the Best Bike Insurance Policy in Guwahati?

Consider these key points when purchasing bike insurance in Guwahati:

Coverage Assessment: Assess the coverage provided by your bike insurance. Identify your specific requirements and budget constraints to opt for the most suitable option. Depending on factors like your vehicle's age, usage, and coverage needs, decide between third-party or comprehensive coverage.

Exclusion Awareness: Familiarise yourself with the list of exclusions in the two-wheeler insurance policy. This proactive step helps prevent potential claim rejections in the future.

Claim Settlement: Choose a reputable insurance provider such as Tata AIG, renowned for facilitating a seamless claim settlement process. This choice guarantees the smooth handling of your claims without unnecessary complications.

Add-ons: If your insurance provider offers additional options, evaluate their value before making a purchase. As mentioned earlier, premiums may fluctuate based on different factors. Hence, it is advisable to thoroughly assess the necessity of each add-on and its corresponding pricing.

Premium Evaluation: Prior to purchasing, obtain an estimate of the premium cost. Premiums can vary based on various factors during the purchase. Therefore, it is crucial to comprehend all the variables associated with the cost.

Why Should You Choose Online Bike Insurance Policies?

Customisation Options: Enjoy the flexibility of exploring various add-ons and policy features to tailor your two-wheeler insurance coverage according to your specific needs when purchasing it online.

Secure Process: From acquiring the insurance policy to making premium payments, the entire online procedure ensures the confidentiality of your information, providing a secure transaction environment.

**Minimal Paperwork:**The complete procedure of obtaining bike insurance takes place online, eliminating the inconvenience of dealing with physical paperwork. Your insurance documents can be easily accessed and downloaded from the online platform.

Choose the Best Bike Insurance Policy: Utilise the online platform to effortlessly compare bike insurance plans and features, enabling you to quickly choose the most suitable policy for your requirements.

Why Choose Tata AIG’s Two-Wheeler Insurance in Guwahati?

  • Choosing the right bike insurance policy can be a challenging decision. Hence, it is recommended to choose a well-established insurance provider like Tata AIG. At Tata AIG, we recognise the significance of protecting bike owners and are dedicated to providing services and features that ensure your safety and peace of mind.

  • Utilise Tata AIG for a seamless purchasing and renewal experience through our online portal. Simply input your details and secure the desired coverage with just a few clicks.

  • Opt for Tata AIG to augment your comprehensive bike insurance with tailor-made add-ons, providing comprehensive 360-degree protection for both you and your vehicle.

  • Take advantage of Tata AIG's extensive network of cashless repair services covered under the comprehensive two-wheeler policy, ensuring prompt assistance when needed.

  • Initiate your claim effortlessly with Tata AIG by accessing the online claim procedure page. Provide the necessary information to seamlessly kickstart the claims process.

  • Choosing a reputable insurance provider like Tata AIG, known for serving and satisfying customers, guarantees you experience the commitment the company has maintained over the decades in earning and retaining your trust.

Key Features and Benefits of Tata AIG’s Bike Insurance in Guwahati

Key Features and Benefits Details 
No Claim Bonus (NCB) Tata AIG offers a No Claim Bonus (NCB) discount if you have a claim-free year/s.
Effortless Claims Process With a dedicated team of 650 claim experts, you experience a seamless claim process online with Tata AIG in a few easy steps.
Quick Buying/Renewing Process Purchase a new Tata AIG motor insurance policy or renew your existing policy online with a simple and hassle-free process on our website. 
Premium Savings You can get up to 75% off on your bike premium payments. You can learn more about the discounts while you buy two-wheeler insurance online
High Claim Settlement Ratio With a 99% claim settlement ratio (FY 2022-2023), Tata AIG offers a high claim settlement ratio for your vehicle insurance claims.
Own Damage Cover Tata AIG’s comprehensive two-wheeler policies provide an Own Damage Cover to your bike caused by accidents or natural or man-made disasters.
Third-party Damage Cover Our two-wheeler insurance policies cover third-party liabilities - third-party property damage and injuries/death to a third person.

Best Bike Insurance Add-Ons to Get in Guwahati

Enhance your Tata AIG comprehensive bike insurance with a selection from our list of unique bike insurance add-ons:

Return to Invoice Guarantee:

Ensure the safeguarding of your investment with the guarantee of receiving either the invoice cost or the current market value of your bike in the event of theft or total damage.

Emergency Medical Expenses Coverage:

Find peace of mind by securing reimbursement for emergency medical and ambulance expenses arising from an unforeseen accident covered under your bike insurance policy.

Consumable Expenses Coverage:

This add-on ensures reimbursement for damages to your bike consumables resulting from accidents.

Zero Depreciation Protection:

Eliminate concerns about depreciation deductions affecting your claim amount for bike part replacements or repairs. With this add-on, you can receive reimbursement for the deducted depreciation amount.

Our other add-ons include Additional personal accident cover for the owner-driver, additional third-party damage cover and roadside assistance cover.

How to Buy and Apply for Bike Insurance Renewals in Guwahati?

You can conveniently buy or renew your Tata AIG bike insurance Guwahati policy by following these Steps:

How to Buy Bike insurance

Step 01: Visit the official Tata AIG website.

Step 02: Navigate to the "Bike Insurance" page.

Step 03: Provide the necessary details for your bike registration.

Step 04: Click on "Get Price" to access policy details.

Step 05: The online bike insurance calculator will present your policy price on the loaded page.

Step 06: Choose the appropriate IDV from the displayed options.

Step 07: View your bike insurance premium details.

Step 08: Complete the payment for your premium using any available mode. Upon successful payment, soft copies of your insurance will be sent to your registered email ID.

How to renew Bike Insurance

Step 01: Visit the official Tata AIG website.

Step 02: Access the "Bike Insurance" page.

Step 03: Input your bike registration details.

Step 04: Click on "Renew" to initiate the bike insurance renewal process for your existing insurance policy.

Step 05: The online bike insurance calculator will present the price of your policy.

Step 06: Examine the displayed IDVs on the screen and select the appropriate one based on your requirements.

Step 07: Your No Claim Bonus (NCB) value from the previous year will be shown.

Step 08: The premium amount for your bike insurance will then be displayed.

Step 09: Make the payment for your bike insurance renewal premium using any available payment mode. After successful payment, soft copies of your insurance documents will be sent to you.

How to File a Claim for Two-Wheeler Insurance in Guwahati with Tata AIG

Reimbursement Bike Insurance Claims

Step 01: Reach out to a Tata AIG insurance executive directly or head to our Claims Process page.

Step 02: Share your policy details, vehicle information, and incident particulars with our executive. Alternatively, you can conveniently input this information online via the "Claims Process" page.

Step 03: If you prefer to inspect your bike yourself, you have the option to do so under our claims process. Additionally, our executive will assess the damages to your bike, and you can then choose your preferred garage for repairs.

Step 04: Once your vehicle is repaired, submit the repair bills, policy documents, and registration certificate to initiate a reimbursement claim with the insurer.

Step 05: Upon verification of all your documents and certificates, we will promptly release the claim amounts owed to you.

Cashless Bike Insurance Claims

Step 01: Immediately contact a Tata AIG insurance executive following a theft or accident.

Step 02: Register your claim within 48 hours of the incident by providing policy details, vehicle registration information, and accident details.

Step 03: The insurance executive will assess the damages to your vehicle.

Step 04: After the survey, your vehicle will be sent to a network garage for repair. The insurer will then initiate the claim settlement process and cover expenses related to your insured bike.

Documents Needed for Bike Insurance Policy Claims in Guwahati

  • All completed and signed claim documents

  • The original invoice for the reimbursement claim settlement

  • A self-attested vehicle registration certificate copy

  • The original receipt, bills, and invoice

  • Copy of bike insurance papers

  • Driving licence of the person driving the vehicle during an accident

Tata AIG Cashless Garages in Guwahati

Tata AIG ensures a smooth process for repairing your insured bike through its extensive network of cashless garages. These garages are equipped to deliver professional repair solutions, providing optimal care to ensure your bike receives the necessary attention.

Locating the nearest garage within the network is made convenient through Tata AIG's garage locator. Simply provide your location details and information about your vehicle to find the closest service centre.

It is essential to note that cashless repairs are exclusive to comprehensive plans, and the availability of particular services may vary by city or location. For detailed information about the garages and their services, Tata AIG's customer support service is readily available to assist you.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can I find bike insurance near me?

How can I find bike insurance near me?


Discovering bike insurance nearby is effortless. Visit our website, proceed to the Contact Us page, and explore the 'Tata AIG Branches' section. Input your city name, such as Guwahati, and click ‘Search’. A list of the nearest Tata AIG branches in Guwahati will be presented. Feel free to visit, and let us assist you in acquiring the finest bike insurance in Guwahati.

What can I do if my bike insurance claim in Guwahati gets rejected?


In case your bike insurance claim in Guwahati gets rejected, review the rejection reasons provided by the insurance company. If you disagree, gather supporting documents and appeal the decision through the insurer's designated channels. If issues persist, seek guidance from the Insurance Regulatory and Development Authority of India (IRDAI) or consult with a legal professional.