24x7 Roadside Assistance in Two-Wheeler Insurance

Roadside assistance add-on cover is a valuable optional coverage offered with a comprehensive or own-damage bike insurance policy. It assists policyholders in the event of breakdowns, accidents, or other emergencies that leave them stranded on the side of the road. This guide will help you understand everything about roadside assistance cover in two-wheeler insurance to ensure your journey remains as smooth and adventurous as ever!

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About Roadside Assistance (RSA) Add-on Cover

Roadside assistance is a self-explanatory word. When it comes to a bike insurance policy, the insurer will assist you in case you are stuck anywhere in the journey due to an engine breakdown or any technical issue. In simpler terms, with this add-on cover, you can minimize the inconvenience caused during the journey by paying a little extra premium than usual.

Add-ons for your two wheeler insurance

Reasons to Buy 24x7 RSA Add-on Cover

To get enhanced coverage while riding your bike, the 24x7-roadside assistance add-on provides specific benefits to you, which are as follows:

Prompt Response

If you find yourself stranded in the middle of nowhere, inform your insurer about the situation along with your current location. They will arrange for a skilled mechanic to come to your aid.

However, when your bike needs more extensive repairs, the RSA offers towing service that can transport your bike to the nearest authorized garage or repair facility. No matter how far you are from help, you will get a quick response, and your bike will be in the right hands.
Value for Money

The roadside assistance cover adds value to your bike insurance policy and is quite affordable. It offers excellent value for money, providing a wide range of benefits and services.
Peace of Mind in Every Ride

With the RSA cover, you are just a call away in case of a breakdown during a journey. Whenever you find yourself stranded on the side of the road, this angelic service comes to your rescue. Hence, you do not have to worry about any roadside trouble that you might get into.
Comprehensive Services Available

Be it a flat tyre/tyre puncture or emergency fuel assistance, a Roadside Assistance cover has multiple inclusions. This plan also has emergency transport assistance and accommodation benefits to enjoy your journey without any worries.

What is Covered Under Roadside Assistance Add-on?

You get plenty of added coverage options with roadside assistance in your comprehensive bike insurance policy. Since you are investing in the add-on, make sure you learn about this cover's insights. Here are some common inclusions covered in your RSA cover:

Service Name	Description
On-Spot Repairs	Minor mechanical/electrical fixes done on the spot.
Tyre Replacement	In case of a puncture or flat tyre.
Battery Jumpstart	If your battery dies, RSA sends a mechanic to revive it.
Key Assistance	Help with lost, stolen, or misplaced keys (within specified distance).
Towing Facility	Your bike is towed to the nearest garage if repairs aren't possible on the spot.
Emergency Fuel	Delivery of up to 5 liters of fuel if you run out during your trip.
Taxi Arrangement	Arranged if your bike cannot be repaired and you need transport.
Accommodation Help	If breakdown occurs far from home, hotel stay costs are covered (conditions apply).
Pick & Drop Service	Your broken-down bike is picked up and dropped at your home (in certain cases).

What is Not Covered Under Roadside Assistance Cover?

Here are the conditions that are not covered under this add-on cover:

If the insurer finds that the vehicle was involved in an illegal activity like racing.
If the rider uses the bike beyond the scope user or owner manual.
If the insurer is not informed immediately after a certain situation causing trouble, then no aid is offered.

Special Conditions Under RSA

There are certain special conditions related to the coverage, exclusions, and documentation under the RSA cover. They are as follows:

The insurer will provide services subject to current rules and regulations in place.
The claim under RSA will affect your No Claim Bonus (NCB).
As per the terms and conditions of the policy, the number of claims can be limited. Hence, you need to go through the policy terms & conditions properly.
If the insurer cannot offer the service, the company will reimburse the expenses amount that occurred.
The service locations under the RSA cover are highways and public roads in the city/town.

Who Should Definitely Opt for RSA Add-On?

While RSA is valuable for all riders, it is especially recommended for:

Owners of new bikes (under 5 years old)
Frequent travelers or long-distance commuters
Adventure and road trip enthusiasts
Daily commuters in metro cities prone to traffic & mechanical stress

RSA ensures that your ride remains smooth, no matter the journey or terrain.

How to Claim Under Roadside Assistance Cover?

Call your insurer's RSA helpline (usually available 24x7).
Provide your policy number, bike details, and exact location.
Describe the issue (tyre burst, dead battery, etc.).
Wait for the assigned mechanic or towing service to arrive.

Documents You May Need to Raise Claim

Policy document
Registration certificate (RC)
Photo ID proof
Details of the incident (location, time, nature of breakdown)

FAQs- Roadside Assistance Cover in Bike Insurance

Q. What is Roadside Assistance in bike insurance?

Ans: An RSA in bike insurance is an emergency assistance offered by the insurer to the policyholder/bike owner whose insured two-wheeler faces a breakdown in the middle of their journey.
Q. Is Roadside Assistance available 24x7?

Ans: Yes. The RSA cover is available 24x7 with various services to assist you in an emergency.
Q. Who should buy Roadside Assistance Cover?
Ans: It is recommended to buy a Roadside Assistance cover in the following situation-
- If you have a two-wheeler less than five years old, you must purchase an RSA add-on cover.
- You must have this add-on cover if you often take your bike for adventure or road trips.
Q. How do I claim Roadside Assistance in bike insurance?

Ans: If you are stuck anywhere on the road, you only need to call your insurance company and immediately inform them about the problem and your current location.
Q. Is TYRE puncture covered in my Roadside Assistance Cover?

Ans: Yes, your Roadside Assistance offers coverage for a flat tyre or bulge during troublesome times.
Q. Is roadside assistance available at night or in remote locations?

Ans: Yes, RSA is offered 24x7, though service availability in extremely remote areas may vary.
Q. Can I add RSA to my existing policy?

Ans: Yes, RSA can usually be added during policy purchase or renewal. Some insurers may also allow mid-term inclusion.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in