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Roadside assistance cover in bike insurance

  • Emergency assistance services
  • Ideal for new and old bikes
  • Easy on pocket
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HONDA MOTORCYCLE - ACTIVA (102CC)

IDV: ₹5,00,000

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₹6,353 + GST
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Understand your vehicle registration number

Your vehicle registration number is the unique vehicle identification number issued by Regional Transport Office (RTO) and mentioned in your vehicle RC book. The vehicle registration number is printed on license plate and affixed to your vehicle.

Kindly note: While entering your vehicle registration number, please be careful about similar looking characters and number, like alphabet ‘O’ being used in place of number 0 or vice-versa.

  • 1 The first two letters together indicates the state in India where the vehicle is registered.
  • 2 The second group comprises two numbers, which represents RTO district code.
  • 3 The last group is usually a unique combination of a character(s) and four digits. If it’s 0001, please enter all the four digits and not just 1.

What is roadside assistance in two-wheeler insurance policy?

Road Side Assistance cover is an add-on with two-wheeler insurance (bike insurance). This add-on provides emergency services through its network garages or network service providers. Services include towing on breakdown/accident, breakdown support over the phone, arrangement of fuel, etc. It’s wise to opt for roadside assistance (RSA) add-on for peace of mind. You can avail of this add-on by paying an additional premium.

Why do you need RSA cover for your bike?

There are many reasons as to why you need roadside assistance coverage. Some of them are:

Sudden breakdowns

Even if your bike is well-maintained, a sudden mechanical failure can leave you stranded on the road. It could be a flat tyre, a dead battery or an engine issue. With roadside assistance cover, you don’t have to worry. Help reaches you wherever you are. This minimises stress and saves time.

Prevents unexpected costs

Getting help on the road can cost a lot without roadside assistance coverage. Be it towing or emergency fuel delivery, charges can be quite high. This add-on offers these services along with others. It saves you from last-minute spending and keeps your repair budget in check.

Mental peace

When you're on a long trip or riding in unfamiliar areas, peace of mind matters. Roadside assistance cover ensures that if anything goes wrong, professional help is just a call away. This is especially useful if you're far from a service centre or in a remote location.

What’s covered and not covered under RSA cover in bike insurance?

  • Inclusions
  • Exclusions

Roadside assistance cover offers the following emergency services:

  • Towing on breakdown/accident
  • Breakdown support over phone
  • Arrangement/supply of fuel
  • Arrangement of keys
  • Replacement of flat tyre
  • Minor repairs as per the policy schedule
  • Arrangement of rental vehicle
  • Arrangement of accommodation

Roadside assistance cover doesn’t cover:

  • Services mentioned above under conditions of earthquake, war, invasion, rebellion, revolt, riot, civil commotion, civil war, exceptional adverse weather conditions, acts of terrorism, nuclear fission, etc
  • Claims where the bike has been used for racing, rallying, motor sports, etc
  • Claims triggered by theft
  • Any expenses for the supply or replacement of parts/consumables
  • Losses or damages suffered due to driving against owner’s manual

Who should buy a roadside assistance cover?

Roadside assistance cover is a useful add-on for:

Daily commuters

If you ride your bike to work or for other purposes, a roadside assistance cover is a smart choice. Frequent travel increases the chance of minor issues like a flat tyre, dead battery or engine trouble. Having this cover means you won’t be stranded during your commute.

Long-distance riders

If you love long weekend rides or often take road trips on your bike bikes, you can opt for this cover. When you're far from home or in remote areas, getting help isn’t always easy. Roadside assistance ensures you can get towing, fuel delivery or mechanic support in unfamiliar places.

Non-technical owners

Not everyone knows how to fix a puncture or jump-start a battery. If you're someone who isn’t confident handling bike troubles on your own, you can opt for this cover. It lets you avoid the stress of figuring things out on the spot in difficult situations.

Inexperienced riders

If you’re new to biking, you might not know what to do during a breakdown. Having a roadside assistance cover gives you confidence while you're still learning. You can focus on your ride, knowing that someone has your back if things go wrong.

How much does a roadside assistance cover cost?

Roadside assistance coverage in India is generally quite affordable. However, it depends on several factors, including the bike’s age and the services offered. If your bike is old, chances are you might often require the services of this add-on cover. This can affect its cost. Talk to your insurer to know the amount you need to pay to avail the services of this add-on.

How to raise a claim under bike insurance?

To raise a claim:

1

Notify us

Start by informing us about the incident as soon as possible. You can do this by sending an email, an SMS, calling our toll-free helpline, or using our website. Alternatively, you can raise claim through the IL TakeCare mobile app.

2

Complete video survey

Next, complete a video inspection via the IL TakeCare app. Log in, add your policy and select the ‘File a Claim’ option using Instaspect. Capture clear photos of your damaged bike from multiple angles. You should do it ideally in good lighting and with a stable internet connection.

3

Provide necessary documents

Submit the claim form along with the required documents. These usually include a copy of your policy, registration certificate, garage estimate, invoice and driving license, among others. For the complete list of required documents, click here.

For more details, please click here.

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Frequently asked questions on RSA cover in bike insurance

Is roadside assistance cover available for all bikes?

Generally, yes. You can add roadside assistance coverage to your base policy irrespective of the bike’s make and model. However, insurers may limit it based on the age or type of bike. It’s best to check with your insurer.

What services are covered under roadside assistance?

While the specifics may differ, roadside assistance generally covers towing services, fuel arrangements, breakdown support, flat tyre assistance and more. The policy wordings provide more information about it.

How many times can I use the roadside assistance service in a year?

It varies across insurers. For example, roadside assistance add-on in bike insurance offered by ICICI Lombard allows a maximum of four claims related to any one or more of the following emergency assistance services during the policy period.

Do I need to pay an additional premium to avail this cover?

Yes. As this is an add-on, you need to pay an additional premium to add it to your base policy. You can add it while buying or renewing your policy.

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Disclaimers:

The above content is for information and knowledge purpose only. For detailed understanding, kindly refer the policy wording of the Road Side Assistance cover add-on available in various motor products. Road Side Assistance Cover is available only with base motor product.

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