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Getting a bike insurance plan has various benefits. From staying legally secured to ensuring that your bike will be repaired as and when needed, a good two-wheeler insurance policy offers many reassuring benefits. The option to buy the very handy Add-on covers , also known as the riders, is one such benefit. You can choose from some of the most useful riders, including the roadside assistance (RSA) rider. Exactly what is roadside assistance in bike insurance and how can you benefit from it? Read on to get your answer.
When you ride your bike on the streets of India, various problems can crop up. From a sudden breakdown to a crash that results in a broken spare part to flat tyres, you never know what issue can crop up the next time you take your bike out for a spin. This is why you need your insurer’s assistance at all times. When you get the rider for roadside assistance for two-wheelers, you can call your insurance provider at any time and they will reach you at the earliest. You need to pay an extra amount for this as add-on covers are available at an added charge. However, the money you pay is totally worth it.
Now, let us take a detailed look at some of the top benefits you get when you buy an RSA rider:
The service is available 24x7, so no matter when you need assistance, it will reach you.
Having this rider gives you a lot of mental peace as you know that irrespective of the time and location, you will get help if you need it.
This is a very inexpensive rider to have. The affordability factor makes it all the more beneficial for you to have it.
As you can guess, these are some very logical reasons and they tell exactly why you need to add the roadside assistance rider to your comprehensive bike insurance plan .
It is very simple to get this rider. All you have to do is select the option of the rider and add it to the base policy when you are buying a new two-wheeler insurance plan online . You can do so directly on the insurance provider’s portal.
If you are buying the plan offline, you need to mention to your insurance provider that you wish to add this rider. Alternatively, you can also tell the insurance agent and get the job done.
The RSA rider can also be added to the basic bike insurance plan at the time of renewal. You can do so with online, as well as, offline bike insurance plans.
So what are the covers you get when you opt for the RSA rider? Here’s a lowdown:
If your bike breaks down due to a technical snag, the insurer will send an authorized bike mechanic to you. He will repair the bike free of cost and will also fit the required parts to make the bike mobile again.
If your bike stalls due to a battery problem, you are entitled to call the insurer for roadside assistance.
If you have a flat tyre in the middle of a highway or a city road, you can avail of the RSA benefit.
The vehicle will need to be towed to the nearest garage if the mechanic can’t fix it on the spot. The arrangements will be made by the insurer and they will bear all the related costs too.
If you are away from your residence or destination and your bike needs to be towed away, the insurer will arrange for a taxi to transport you to your destination.
Alternatively, you will be given hotel accommodation till the time your bike is fixed and ready to move again.
The expenses related to towing the bike from the accident/breakdown spot to the garage and sending it back to you will be borne by the insurer.
If you’re in the middle of a motorway and your fuel tank goes empty, the RSA team will reach you with the emergency fuel needed to restart your bike.
As you can see, these are some extremely handy covers. You cannot predict what danger may come your way when you are riding your bike, so having these covers helps immensely.
Bike roadside assistance in India is handy and beneficial for most people. It is basically needed if you use your bike a lot. For example, if you commute to the office by bike, you may need this assistance. Also, if you are a seasoned rider who often goes for long, outstation bike rides, this is a two-wheeler insurance add-on cover that you most definitely must-have.
The RSA rider is only available with the comprehensive two-wheeler insurance policies. Like the other rider, the roadside assistance rider is not available with the third-party policies.
If your bike breaks down when you were riding it in an inebriated state, you cannot call the insurance provider for roadside assistance.
You cannot make endless claims on the RSA rider. Your insurance provider will specify the maximum number of claims you can make in a year on the cover. Any claim that is raised outside the limit won't be entertained.
You can get a cashless facility when the insurance provider comes and tows your vehicle to a nearby garage. Else, you can take it to the garage yourself and then get the amount reimbursed.
It is compulsory for you to inform the insurance provider about the mishap or need to avail the cover before you take it to a garage or get any work done on it by a local, unauthorised mechanic.
Adhere to these clauses and you will smoothly and easily be able to get the benefits of the RSA rider in bike insurance.
Make use of this wonderful rider of roadside assistance for bikes. You can get it with comprehensive bike plans from all the leading motor insurance companies in India. Compare your options and find the best plan and then keep your bike protected in the best possible manner.
If your bike breaks down in the middle of the road, you can call the insurer on their customer care number. Alternatively, you can also reach them via their website or mobile app.
In that case, you can arrange for the bike to be taken to the nearest garage and repaired. You can then get the bill reimbursed by your insurance company.
Yes, most of the motor insurance companies in India allow you to have multiple bike insurance riders with comprehensive two-wheeler insurance plans.
If you get involved in a legal battle following a bike accident, the insurance provider will offer legal assistance to you, as and when needed.
Yes, you can buy the RSA rider when buying a new bike insurance plan or when renewing your existing policy.