Two-wheelers are an excellent mode of transport, offering fuel efficiency, ease of manoeuvring through traffic, and convenient parking. However, imagine this scenario: it’s raining heavily, and you’re rushing to your destination. You take a shortcut to avoid traffic, only to find your bike’s tyre stuck on an unpaved road. Such situations can leave you feeling helpless and frustrated. This is where the roadside assistance (RA) feature in your two-wheeler insurance becomes invaluable. Let’s explore its benefits.
What is Roadside Assistance in Two-Wheeler Insurance?
Roadside assistance is an add-on cover that offers 24/7 support when you’re stranded on the road. Whether due to a breakdown, flat tyre, or battery failure, the RA cover ensures professional help is just a call away. You can opt for this add-on when purchasing your comprehensive bike insurance or a standalone own-damage bike insurance policy by paying an additional premium.
Benefits of Roadside Assistance in Two-Wheeler Insurance
Though roadside assistance involves an additional cost, its benefits often outweigh the expense:
1. Towing Assistance
If your two-wheeler cannot be repaired on the spot due to mechanical failure or accident damage, it will be towed to the nearest garage. Depending on the insurer and policy terms, towing may be free up to a specified distance.
2. Flat Tyre Support
In case of a punctured tyre, simply inform your insurer. A mechanic will be dispatched to replace or repair the tyre, ensuring you can continue your journey.
3. On-the-Spot Repairs
If your bike experiences a mechanical or technical breakdown during your journey, the insurer will send a technician to carry out minor repairs on-site. This allows you to resume your trip without unnecessary delays.
4. Battery Jumpstart
A dead or weak battery can leave you stranded. Roadside assistance ensures a technician is sent to jumpstart your bike’s battery or provide a replacement if needed.
5. Spare Key Delivery
If you lose your keys, your insurer can either arrange for your spare keys to be delivered from your home or have a replacement key provided.
6. Fuel Assistance
If you run out of fuel, roadside assistance ensures a sufficient amount is delivered to your location to help you reach the nearest fuel station. Note that additional charges may apply based on the policy terms.
7. Accommodation Assistance
If your bike requires repairs that take longer than a day and you’re far from home, your insurer may arrange accommodation. Be sure to confirm any applicable charges with your provider.
Exclusions of Roadside Assistance Cover
Claims under the RA cover may be denied in the following scenarios:
- Your bike insurance policy has expired.
- The breakdown is not reported to the insurer within the specified time frame.
- The rider was under the influence of alcohol or drugs at the time of the incident.
- The bike was being used for illegal activities, such as racing, when the breakdown occurred.
- The rider does not possess a valid driving licence.
Who Should Buy Roadside Assistance Cover?
Consider purchasing roadside assistance cover if:
- You frequently travel on highways, outside city limits, or for long distances.
- Your bike is older and prone to mechanical issues.
- You enjoy long drives through unfamiliar terrains.
- You lack the skills or tools to fix minor mechanical issues, electrical faults, or flat tyres.
Factors to Consider When Buying Roadside Assistance
Before adding this cover to your policy, keep the following factors in mind:
1. Coverage
Ensure the policy offers the benefits you need, such as tyre repair, fuel delivery, and towing services. Without sufficient coverage, the add-on might not provide value for money.
2. 24/7 Support
Emergencies are unpredictable, so choose a provider that offers round-the-clock support.
3. Ease of Contact
The insurer should be easily accessible and responsive. For example, if your tyre goes flat on a highway, you should be able to contact the insurer quickly for assistance.
4. Cost
Evaluate whether the premium for roadside assistance is reasonable and provides value for money based on your specific needs.
Conclusion
Roadside assistance is a crucial add-on for two-wheeler owners, offering peace of mind and practical support during unforeseen situations like a flat tyre, battery failure, or an empty fuel tank. Whether you’re travelling within the city or exploring unfamiliar terrains, this cover ensures you are never left stranded.
When purchasing comprehensive bike insurance, consider adding roadside assistance for additional protection. While most services under this cover are free, some may involve extra charges. Therefore, always read the terms and conditions carefully to understand the extent of coverage and any associated costs.