24x7 Roadside Assistance in Two-Wheeler Insurance

Roadside assistance is a valuable add-on cover 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. Here is some information about roadside assistance in bike insurance to ensure your journey remains as smooth and adventurous as ever!

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Unravelling Roadside Assistance (RSA) Add-on

Roadside assistance is a self-explanatory word. When it comes to a bike insurance plan, 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.

Reasons to Purchase RSA Add-on

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

  1. 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.

  2. Value for Money

    The Roadside Assistance cover adds value to your comprehensive bike insurance policy and is quite affordable. It offers excellent value for money, providing a wide range of benefits and services.

  3. Peace of Mind

    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.

  4. Several Inclusions

    Be it a flat tyre 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 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-

  1. Tyre Problems

    Tyre issues often happen due to bad road conditions. If you are stuck somewhere due to a flat tyre, you can inform your insurer, who will provide a spare tyre, or tow the bike to a nearby garage for repair.

  2. Battery Issues

    If your bike's battery is dead, the roadside assistance add-on calls upon a mechanic who will jump-start your motorcycle. They will revive your battery with a surge of energy and allow you to continue your journey without any hassles.

  3. Technical Issues

    A motorcycle is machinery that can have issues like a mechanical or technical breakdown. In such situations, the insurer can arrange for a mechanic to perform repairs on the spot. However, there is no coverage for any replaced parts on the bike, but the labour charges and travel costs will be covered.

  4. Key Related Issues

    If you have misplaced or lost your keys, the insurer will help you get spare keys to your bike from a location such as your home if it is not more than 100 kilometers away.

  5. Towing Assistance

    For technical or mechanical issues, where the mechanic cannot resolve the bike's problem, with the RSA cover, the bike shall be towed to a nearby garage for repairs.

  6. Emergency Fuel Assistance

    If you run out of fuel during your journey, the insurer will arrange fuel up to 5 liters under the RSA add-on cover.

  7. Arrangement for Taxi

    If you are stranded in the middle of the road due to a bike breakdown, the insurer will arrange a taxi for you so that you can travel back to your home and the insurance company pays the taxi fare.

  8. Accommodation Cover

    If you are stuck somewhere due to a bike breakdown, and that place is far from your home, then the insurer will cover the hotel accommodation you chose. However, this is subject to the location of the breakdown of a bike and your residence.

  9. Pick & Drop Facility

    In certain situations, the insurer will arrange for the broken-down bike to be picked up from its location and dropped off at your home.

You may also read- Roadside Assistance Cover for Super Bikes

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.

Exclusions of 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.


You must keep the documents ready to raise a claim as the insurance company specifies.


With these enchanting benefits and services, this add-on cover transforms your bike insurance policy into a shield of protection. It also ensures that even in the face of any uncertainty in the middle of the road, you can ride confidently, knowing that assistance is just a call away.

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