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Roadside Assistance Add On Cover In Two-wheeler Insurance Explained

Updated Mar 18, 2021

Roadside Assistance Add On Cover In Two-wheeler Insurance Explained

Roadside Assistance in Bike Insurance - While driving your two-wheeler vehicle, the smallest defect like a flat tyre could leave you in trouble. Facing trouble and being stranded at an unknown location with a run down bike is not just annoying but could also be dangerous. To assist you in such situations, the bike roadside assistance add-on cover is available that you can opt for by paying an additional premium amount for your bike insurance.

With this add-on cover, you can get a range of services in a situation when your bike or scooter breaks down. This cover will provide you assistance from towing your vehicle to helping you with minor repairs anytime and anywhere. To avail these services, you just have to call up your bike insurance provider to share your problem with details and they will send their crew members for your help as soon as possible.

However, before we get into the benefits of bike roadside assistance, let us understand the meaning of this add-on cover.

What is Roadside Assistance in Bike Insurance?

Roadside Assistance Cover is an add-on cover that offers you assistance in case of a mechanical breakdown or glitch faced by your two-wheeler in the middle of the road or highway. By buying this add-on cover with your bike insurance cover you could get the support for different services such as delivery of fuel, towing of vehicle, minor repairs, and so on. You can purchase and avail this add-on only with your standalone own-damage or comprehensive bike insurance plans by paying a little extra amount of premium. It is quite useful for people who have to travel for long and remote locations by delivering the needful assistance.

Benefits of Roadside Assistance Cover in Two Wheeler Insurance

Here are the benefits offered by your two-wheeler insurance plan with roadside assistance:

1. Flat Tyre

It is a common problem that any two-wheeler owner can face anytime and anywhere. If the tyre of your bike or scooter punctures in on the way, then dragging it to the garage is the only option left before you. But, if you have a roadside assistance add-on cover, then you just have to call your insurer to ask them to send a mechanic to fix the puncture of your two-wheeler and make you drive to your place without taking your vehicle to the garage.

2. Towing Vehicle

If your bike or scooter gets damaged beyond immediate repair due to its involvement in an accident, in such a case, you can avail your roadside assistance add-on cover to call your insurance provider to tow your bike or scooter to a network garage. Due to this facility, you would not be required to arrange a towing van.

3. Fuel Delivery

If you run out of fuel while driving your two-wheeler and could not locate any fuel station around, in such case, the roadside assistance cover can rescue you by delivering you some amount of fuel at your location to make you reach the nearest fuel station. You can get this assistance by just making a call with this add-on cover.

4. On-site Minor Repairs

You can get immediate assistance in a situation if your bike does not start or breaks down in the middle of your way. With this add-on cover, you can call your insurer and they will send a mechanic to do the minor onsite repair on your bike or scooter. It may look to be a minor repair but it is enough to leave to be stuck at an unknown location alone.

5. Battery Drain

If the battery of your two-wheeler dies on your way, it can create a major trouble for you. But with roadside assistance, you can get the jump start battery support by just making a call to your insurance company for support.

6. Technical Snags

No matter how good it is, a bike is a machine after all, which can break down due to mechanical or technical issues anywhere and any time. To deal with such situations, you should have on-call mechanical assistance who can perform minor to major on-spot repairs. In order to fix such issues, expenses arising out of technician’s labour and travelling costs shall be covered but the cost of spare parts and materials will not be covered.

7. Key-Related Problems

If the key of your two-wheeler vehicle gets misplaced, in such a case, the insurance company can provide you assistance in retrieving the key from a location such as your residence or office, if it is located within a range of 100 km.

8. Taxi Arrangement

In specific conditions where the owner of the two-wheeler gets stranded due to the breakdown of the vehicle beyond a certain distance of his or her home, in such a case, the insurance company will be liable to arrange for a taxi so that her or she can easily travel back to his or her home safely. The payment for the same shall be settled by the insurance company based on the terms and conditions.

9. Accommodation Benefit

Similar to the taxi arrangement, the insurance company is also liable to make hotel arrangements for the policyholder of the insured bike. The expenses of the same will be paid by the insurance company as per the terms and conditions of the insurance policy. This assistance is available subject to the location of the breakdown of the two-wheeler and the home of the policyholder.

10. Pick-up and Drop Facility

In a few situations, the insurance company can also make the arrangement for the non-functional insured two-wheeler vehicle to be picked up from the location where it broke down to be taken to the residence of the policyholder.

Take Away

A roadside assistance add-on cover is of great help which you can avail only with standalone own-damage and comprehensive bike insurance policy by paying an additional premium. It gives you unparalleled support at any unknown location through different benefits, while travelling to somewhere on your bike or scooter. It is a highly recommended add-on cover that you must have to safeguard yourself from any future contingencies.