What are the Things Included Under the Roadside Assistance Add-on in Bike Insurance?

Nowadays, the sales of two-wheelers in India have reached a remarkable surge. This increase in sales is primarily due to the comfort and convenience this mode of transportation provides. Almost everything can be done with ease with a two-wheeler, including grocery shopping to travelling to the office.

Have you ever found yourself in a situation where your bike breaks down in the middle of the road? At this time, visiting a standard garage may not always be practical. Towing your two-wheeler to the nearest garage can be a daunting task. Therefore, it is essential to have an add-on cover like roadside assistance to help you in any situation.

 

What Does Roadside Assistance Cover In Bike Insurance?

Roadside assistance is an add-on cover in bike insurance that can be obtained in addition to a basic insurance policy by paying an extra cost. It provides roadside assistance through an authorized vendor in case your bike breaks down. The following is considered as breakdown of a bike:

• Lack of fuel
• Change of fuel
• Run down battery
• Flat tyre(s)
• Loss of bike key

By opting for the motorcycle roadside assistance cover, you gain extra protection at a reasonable rate, allowing for comfortable and stress-free travel. It is important to note that you can only get the roadside assistance add-on with standalone own-damage or comprehensive bike insurance policies.

 

Key Components Covered Under the Roadside Assistance Add-on

Reading the policy's instructions is the best way to determine what a roadside assistance add-on plan covers. The coverage provided by the roadside assistance add-on covers may vary based on the insurers. The roadside assistance add-on coverage is summarized here:

 

1. Battery Jump Start

If the Covered Vehicle becomes immobile on the road due to a drained battery, then Shriram General Insurance offers two-wheeler roadside assistance to assist the user by arranging for a vehicle expert to jump start the vehicle using the necessary equipment. Shriram General Insurance will cover the expenses for labour and transportation. However, if a new battery is required to replace the worn-out one, the user will be responsible for covering all associated costs.

 

2. Tyre Problems

If the vehicle becomes immobile due to a flat tyre, Shriram General Insurance will assist the user by arranging for a specialized vehicle technician to replace the flat tyre with the spare stepney tyre at the breakdown location. Shriram General Insurance will cover the provider's labor charges and round-trip transportation expenses. If the bike does not have a spare tyre, the flat tyre will be taken to the nearest flat tyre repair shop for repairs and reattachment to the vehicle. The rider is responsible for any additional fees related to this service.

 

3. Emergency Fuel

If the Covered Vehicle runs out of fuel while in motion, Shriram General Insurance will assist the User by arranging for a vehicle technician to provide emergency fuel at the location of the breakdown, subject to a fee. Shriram General Insurance will provide the ideal roadside assistance for your bike, which covers the expenses for labour and transportation. However, the fuel cost will be the User's responsibility to pay.

 

4. Accommodation Issues

If the user's vehicle breaks down and becomes immobile while travelling outside their home city, specifically at a distance of 200 kilometres from the address mentioned in the policy schedule, Shriram General Insurance will assist the user by arranging and suggesting hotel accommodations. However, any costs and expenses related to this service will be the user's responsibility, and they will need to bear those expenses directly.

 

5. Key-related issues

In the event of damage, loss, or misplacement of the keys for the Covered Vehicle, Shriram General Insurance Company will make arrangements for a replacement set to be couriered from the User's home or place of business to the location of the Covered Vehicle. However, this will be done only after SGICL has obtained the required authorizations from the User regarding the designated person responsible for handing over the keys to SGICL. During the key distribution process, the user is legally obligated to provide current identification and proof of ownership for the Covered Vehicle.

 

6. Continuation Return Journey/Taxi Support

If the insured's vehicle breaks down and requires towing to an authorized service center, Shriram General Insurance will assist by arranging a taxi for the User to either continue their journey to the destination or return home from the breakdown location. Shriram General Insurance will provide the best available solution during the breakdown. However, any costs incurred by a third party to facilitate this service will not be the responsibility of Shriram General Insurance and will be directly collected from the user by the third party.

 

Conclusion

Opting for online two-wheeler insurance purchases is a convenient way to safeguard your bike against any unfavorable situations. Visit the Shriram General Insurance website to purchase a two-wheeler insurance policy and roadside assistance for bikes. Before making the payment, you must carefully review the terms and conditions outlined in your two-wheeler insurance policy.

 

FAQs

Is the Roadside Assistance cover available for On-Site Minor Repairs?

Yes! If the Covered Vehicle experiences a minor mechanical or electrical issue or is involved in an accident that allows for on-the-spot repair within the scope of services, Shriram General Insurance will assist the User by arranging for a vehicle expert to travel to the breakdown location.

Does Roadside Assistance cover Medical Referrals?

Yes, to facilitate a seamless user experience, Shriram General Insurance will furnish contact details of nearby medical professionals if a user encounters any medical issues arising from a breakdown or accident involving the Covered Vehicle.

Does the roadside assistance cover provide local travel in case of a breakdown of a two-wheeler?

If the User's vehicle becomes inoperable, Shriram General Insurance will make provisions for a substitute rental car based on the best availability in that area.

Does roadside assistance cover the consequential damages arising out of repair on the spot/ towing?

No, Shriram General Insurance bears no accountability, responsibility, or liability for damages arising from on-the-spot repairs, towing, or roadside assistance services.

When will your insurance company provide a two-wheeler towing service?

For the following service, a two-wheeler insurance company provides a towing compensation:

• In case of Breakdown:
• In case of an Accident
• Towing in case of usage of incompatible fuel

Read on to find out all about roadside assistance add-on in bike insurance.