Is Roadside Assistance Add-On Really Useful for Indian Riders?

What Is Roadside Assistance (RSA) Add-On in Bike Insurance?

Roadside Assistance (RSA) cover is an optional coverage offered by two-wheeler insurance companies in India, which provides 24X7 assistance or support when your bike breaks down while on the road. Whether stranded on the city road or stuck on a remote highway, RSA ensures you get sufficient & instant help in a call.

It provides the following services with your comprehensive bike insurance coverage:

• Towing assistance
• Battery jump-start
• Minor on-site repairs
• Fuel delivery
• Flat tyre service
• Lost key assistance
• Emergency accommodation or travel (in some plans)

Is Roadside Assistance Add-On Useful for Indian Riders?

Yes, roadside assistance coverage in bike insurance is valuable and optional for Indian riders, especially for those who travel frequently or explore unfamiliar routes. This add-on provides a sense of peace of mind and reliable support during unusual breakdowns, helping riders stay on their journey.

Here are the reasons why RSA cover is helpful for Indian motorcycle riders:

• Breakdowns Can Happen Anytime & Anywhere
  India's diverse terrain, unpredictable weather, and roads & traffic conditions increase the chances of bike breakdowns. From engine overheating in summer to tyre punctures on potholed roads, RSA provides quick help and peace of mind.
• Help in Highways
  Imagine getting stuck on a highway far from the city with no mechanic nearby. But with RSA cover, you don't have to rely on local, unverified help or wait endlessly.
• Time-Saving and Hassle-Free
  Having roadside assistance covered with your bike insurance policy means you don't have to search for a mechanic or arrange to tow yourself. Mostly, insurance companies have tie-ups with nationwide service providers, ensuring quick turnaround times.
• Affordable Add-On
  One of the biggest advantages this add-on covers in a comprehensive bike insurance policy is affordability. It is typically available at a nominal premium, often ranging between ₹100 to ₹500 annually. Hence, it is a cost-effective deal.
• Ideal for Daily Commuters and Long-Distance Riders
  RSA can be a lifesaver if you use your bike or scooter daily or go on frequent road trips. A sudden tyre puncture or technical problem can lead to long delays or safety concerns, especially during night or long routes.

What Does Roadside Assistance Cover in India?

Here are some standard features included in an RSA policy for Indian riders:

Who Should Opt for RSA Add-On?

• Frequent Riders and Travelers: Long-distance bikers on road trips.
• City Commuters: Even in cities, breakdowns in traffic can be frustrating and dangerous.
• New Vehicle Owners: Ideal for those unfamiliar with basic repair tasks.
• Owners of Older Vehicles: Older bikes are more prone to breakdowns.

Things to Consider Before Buying Roadside Assistance

Here are a few things you must check before buying a roadside assistance cover:

• Coverage Area: Some insurers offer nationwide coverage, while others may limit it to specific regions. Hence, check it before buying.
• Service Limits: Check how many times you can use RSA during the policy tenure.
• Type of Vehicle: Ensure the RSA cover applies to your vehicle type (petrol bike or e-bike)
• Terms and Conditions: Some services, like fuel delivery, may be chargeable beyond a specific limit.

Is Roadside Assistance Worth It in India?

Absolutely, yes! For Indian riders, especially those who face long commutes, ride on highways or own older vehicles, the RSA cover in bike insurance offers reliable support, convenience, and safety at a nominal cost. In a locality where breakdowns can occur unexpectedly, and assistance isn't always nearby, RSA cover should be your priority.