While riding your bike around the vicinity, even a small issue such as a flat tyre can leave you helpless. Imagine being stranded outside city limits with a non-functional vehicle! This is not only frustrating but also pretty dangerous.
With a roadside assistance cover in bike insurance, you can rest assured during such uncertain times! By opting for this add-on cover, you can avail a host of services whenever your two-wheeler dies on you. All you need to do is call up your insurance provider for assistance and you shall soon receive help.
So, let’s explore the features and benefits of roadside assistance cover for two-wheelers.
Roadside assistance in bike insurance is an add-on cover that you can purchase separately for enhanced coverage. We all have been through times when our vehicle gave up in the middle of nowhere without any help around. During such times, you can make use of the two-wheeler roadside assistance cover to get your motorcycle back on the road. Right from flat tyres and battery issues to towing facility and fuel delivery, the breakdown cover in bike insurance has got your back!
Here are some key perks of having 24x7 roadside assistance add-on cover with your bike insurance plan:
Offers Instant Backup
While on a road trip or on your way to an important meeting, the last thing you would want is your two-wheeler to break down. Instead of hunting for a nearby garage or a mechanic to help you out, you can fall back onto your add-on cover. The 24x7 roadside assistance cover is a lucrative backup to have in the event of an unfortunate incident.
Provides Cost-Effective Coverage
The breakdown cover is an affordable option to maximise your coverage. Furthermore, such features are not covered by your insurance policy, making it a beneficial purchase!
Grants Peace of Mind
Wouldn’t your road trip be a bit more relaxing when you have roadside assistance against mishaps? Knowing that your bike insurance policy has got your back in the event of untoward incidents is highly comforting.
Let’s go through the inclusions of emergency roadside assistance cover in bike insurance:
If your motorcycle is damaged to an extent where it cannot be repaired on the spot and must be taken to a garage, the towing facility shall come in handy. With a roadside assistance cover, you can easily contact your insurer to get your bike towed to the nearest garage for repair work.
In case of tyre issues experienced on the road, the insurance provider shall arrange a mechanic to help you out. If the problem cannot be resolved with a spare tyre, your bike will be taken to the garage.
Spare Bike Keys
It is common to misplace and lose your bike keys, never to be seen again. However, you can rest assured with your roadside assistance cover! The insurer will help you with the delivery of spare keys without any trouble.
Emergency Fuel Delivery
Forgetting to refuel your tank before a trip can happen to the best of us! But as you know, roadside assistance cover simply arranges for an emergency fuel delivery so that you can get back on the road.
Incurring battery issues can be quite worrisome when there’s no way of re-starting your vehicle. However, your insurance provider shall easily assist you during such times and cover the expenses.
Minor Bike Repairs
Your two-wheeler doesn’t have to incur major issues for you to call upon the roadside assistance cover. Even minor bike repairs are included in the add-on so that you can carry on without a hitch.
You might find such a benefit available under the 24x7 bike roadside assistance cover in case you are stranded due to vehicle repair. The insurance company shall cover the cost of accommodation. However, there might be some terms and conditions applicable for you to avail this feature.
Pick and Drop Facility
If your two-wheeler has to be taken to the garage for repair, the insurer can arrange for a pick and drop facility. Thus, you will be taken home from the location where your motorcycle incurred issues.
Breakdown Support Over the Phone
If your vehicle breaks down due to minor mechanical errors, you can avail free telephonic assistance and fix the minor problems then and there.
Some aspects are excluded from the motorcycle roadside assistance cover. They are:
Any insurance claims made before informing the insurer
In case the two-wheeler was involved in an illegal activity
Using roadside assistance cover when the vehicle can be taken to the nearest garage
Any claims resulting from riding the bike without a valid driver’s licence or under the influence of alcohol or drugs
To ensure you get your money’s worth, you can keep the following aspects in mind while shopping for the add-on cover:
Age of Your Bike
Over time, the mechanical and electrical issues in your bike tend to increase. Due to this reason, many insurance providers are reluctant to offer this cover to motorcycles that are older than five years.
However, if at all they do offer this coverage, the annual charges shall be relatively high. Thus, it is advised to consider the age of your bike and the premium quote before opting for emergency roadside assistance cover.
Number of Services Available
At times, the roadside assistance cover comes with a limit on the number of times you can avail a specific service. However, some insurance providers may offer the same facility on an unlimited basis. Therefore, understand the terms and conditions applicable to the cover to avoid any hassles.
The price of the cover mainly depends on the age of your two-wheeler and the number of services you have availed. However, another critical aspect that is taken into consideration is your regular travel route. The plan prices are different for people who travel only within the city than the people who often travel intercity.
Need for Roadside Assistance Cover
Lastly, it is crucial to understand if you really need this add-on cover. As it is to be purchased separately, your bike insurance premium is surely going to increase. Thus, it is recommended to opt for such a cover only if you require it.
You should consider purchasing roadside assistance cover if you satisfy the given pointers:
Travel Often: If you travel around and outside the city very often, then a 24x7 roadside assistance cover is meant for you!
Bike is Less Than 5-Years Old: In case your motorcycle is brand-new, it is advised to opt for roadside assistance cover for two-wheelers. This will ensure your prized possession is always in the best shape and protected from unfortunate mishaps.
Require Repair Assistance: Some of us may not know our way around a vehicle and that’s okay! As mentioned above, you can choose to buy roadside assistance cover in bike insurance for the times your motorcycle dies on you.
When it comes to maintaining your two-wheeler and keeping it in shape, the roadside assistance cover is a must-have. In case of any unfortunate events, you can easily lean onto your bike insurance policy for help. Purchase the best roadside assistance cover along with your two-wheeler insurance policy and discover the joy of riding worry-free!
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No. You can rest assured when it comes to your NCB discount as the claims under roadside assistance cover will not affect it.
No. You must have a comprehensive bike insurance policy to avail the benefits of roadside assistance add-on cover.
In case your insurance provider isn’t able to send a mechanic or arrange the towing facility, they shall reimburse the expenses incurred.
Yes. If the claim raised under the roadside assistance cover doesn’t meet the terms and conditions of the policy, the insurer can reject your claim.
Yes. Even if your brand-new bike may not face any mechanical issues, you might require other facilities. This includes emergency refuelling, a spare tyre, accommodation benefit, spare keys and many others.