Breakdown Cover in Bike Insurance Plan

Posted on: Oct 10, 2022 | | Written by:

Breakdown Cover in Bike Insurance Plan

Published on October 06, 2022. EST READ TIME: 3 minutes

India loves two-wheelers and there is no denying the fact. So much so, that there are more than 1.5 crores of two-wheelers in the country. If you are planning to buy one, it is advisable to buy comprehensive two-wheeler insurance for added safety of your bike. It will ensure that your bike remains safe even during unwanted incidents.

People who like riding their bikes might plan for a lot of long trips on their bikes. Though regular services ensure that your bike is predictable enough, there is still an element of unknown. What if your bike breaks down during a trip? In some instances, you might even find yourself deserted in some unknown place. In such cases, having the right cover can save the day for you.

Bike Breakdown Cover

Bike breakdown cover is otherwise known as roadside assistance cover and is one of the most popular add-ons for comprehensive two-wheeler insurance . As is the case with all other add-ons, you need to buy a comprehensive plan to be able to select add-ons. Simply put, an add-on allows you to purchase additional coverage for your bike insurance policy by paying a small premium.

The breakdown cover comes in handy during emergencies, where the insurance provider offers you financial assistance, in the case of a breakdown during a trip or journey.

There can be a multitude of reasons that can cause the breakdown of a bike. The reasons can start from tyre-related issues to battery issues to a mechanical breakdown to fuel getting over, etc.

Benefits of Breakdown Cover

Picture this, you are on a long-awaited trip with your friends and your bike breaks down in a place, where you cannot find immediate help. It might even happen that you ran over some debris and now you are stuck with a flat tyre. A standard bike insurance policy will not be of much help in such circumstances.

However, a breakdown cover can save the day for you in such times. Your insurance provider will get professional help for your bike, thereby ensuring that you are not stuck anymore and can carry on with your trip.

People who ride a lot and prefer riding out of the city can choose a breakdown cover along with their comprehensive policy. You can buy bike insurance online and opt for the add-on in a matter of a few minutes.

Here are some of the major benefits of opting for the breakdown cover.

1. Assistance During An Emergency

During any of your rides, if your bike breaks down, you can inform your insurance provider about the same and let them know about your location as well. As a standard practice, they will send a professional mechanic to help you out with analysing what is wrong with your bike and providing an immediate solution.

If they cannot provide an immediate solution, they will help you take the bike to the nearest available garage. When you opt for the breakdown cover, you no longer need to worry about getting help in emergencies. Your insurance provider has your back.

2. Affordable Solution

Unlike a lot of other add-ons, the breakdown cover is not all that expensive. In fact, it is quite affordable. Adding this rider to your policy will only increase the premium by a very small margin. However, the benefits can far outweigh the small premium that you pay upfront. For someone who enjoys long rides, this is a rider they must opt for.

3. Reassurance

The add-on ensures that you get access to help at the earliest. It can either be in the form of a mechanic helping you resolve the issue on the spot or help you to take the bike to the nearest garage. This can give you a lot of reassurance and ensure that your longer riders go without many hassles.

Coverage On Offer By Breakdown Add-on

Since breakdown cover is essentially an add-on, the coverage might differ a bit, depending on the insurance provider that you opt for. Thus, you must check the coverage of the add-on while buying bike insurance online. Here is what you can expect as coverage for your breakdown add-on.

• Fuel Assistance

If you have a faulty fuel gauge meter or somehow run out of fuel, the coverage can assist you in such times. The insurance provider will help you out with about 5 litres of fuel. So that you can reach the nearest fuel station. Should you need additional fuel, you can pay additionally.

• Mechanical Breakdown

A bike can suffer mechanical breakdown anywhere. If you are stuck due to a mechanical breakdown, your insurance provider will arrange for a mechanic, who can repair your bike. The coverage usually does not compensate for spare parts or materials used. However, it covers the expenses related to travelling and labour costs.

• Tyre Issue

Getting stuck due to a flat tyre is a common situation that a lot of us face. In such a case, your insurance provider can arrange for a mechanic who will repair your tyre-related issues.

• Towing Assistance

If the mechanic is unable to resolve the issue on the site and it needs to be carried to a garage, the insurance provider will provide towing services.

• Battery Issues

An old battery or a faulty battery can cause a lot of issues for someone on the road for a long time. If you face such an issue, your insurance provider can arrange for services to revive your bike’s battery.

• Key Replacement

During your ride or trip, there is a possibility of you losing the keys to your bike, irrespective of how remote the chances are. You can let your insurance provider know of the situation and they can arrange for a spare key for your bike.

• Transport Assistance

Should a situation arise where you are unable to travel back to your home or destination due to the breakdown, your insurance provider can arrange for transport. Your insurer will arrange for a cab to drop you safely to your home or destination and pay for the expenses. However, if the distance exceeds a set limit, you might have to pay for the additional expenses.

Conclusion

One of the major benefits of buying bike insurance online is that you can look at the different coverage on offer before choosing the policy. However, you cannot opt for breakdown cover if you buy third-party two-wheeler insurance . Third-party two-wheeler insurance only offers liability against third parties and now for own damage. When buying bike insurance online, you must choose a comprehensive plan and opt for the add-on which can save the day for you in dire situations. With the above information, you can decide whether the add-on would add value to your policy or not.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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