Roadside Assistance Cover for Superbikes

Posted on: Sep 11, 2023 | | Written by:

Roadside Assistance Cover for Superbikes

Published on September 07, 2023. EST READ TIME: 3 MIN

The sheer feeling of taking your superbike out for a spin is unparalleled. Zipping past traffic, streaming through the highways, and getting a lot of attention while at it, riding superbikes can be a lot of fun. And if you want to go on longer rides, it is crucial that you take adequate precautions. Roadside assistance cover can be one such crucial need before setting out to ride.

Understanding roadside assistance cover for superbikes

The absolute last thing that any bike owner would like to face, is a breakdown in the middle of the road. Even more so if you own a superbike or any bike above 250cc. These bikes are usually a bit heavy and can be quite difficult to keep pushing them to safety.

If the bike breaks down or meets with any mishaps, you can be left stranded. Not unless you opt for roadside assistance cover. Though you cannot exclusively buy roadside assistance cover, you can plug it into your comprehensive bike insurance as an add-on. By paying a nominal premium, you can get the much-needed protection for your bike. It can be particularly helpful in emergencies and if you aren't particularly close to a garage.

Insurance providers offer a host of assistance under RSA cover for superbikes. Some of them are:

1. Jumpstart or battery repair

2. Emergency fuel services

3. Towing a bike to the nearest garage

4. Performing minor repairs on the bike

5. Lost key

It can be extremely inconvenient if you are stuck on the road during a journey. It will impact both your current journey and consecutive plans. Having a roadside assistance cover is a sensible way to safeguard yourself against such occurrences.

What makes an RSA cover for superbikes stand out even more, is that even if you file a claim for roadside assistance, it will not impact your NCB or no claims bonus. Thus, allowing you to avail of the benefits of RSA without losing your NCB discounts.

What does a roadside assistance cover provide?

Though the coverage on offer might differ a bit on your insurance provider, the following are some of the industry standards when it comes to RSA on comprehensive bike insurance policy. Here are some more details of the RSA cover.

1. The coverage usually is for the same term as your comprehensive bike insurance, i.e. one year.

2. Battery-related issues.

3. Tyre punctures or tyre-related issues.

4. Fuel supply if your bike runs empty.

5. Towing the bike to the nearest available garage.

6. On-site repairs if the bike breaks down.

7. Loss of key or locked key.

Inclusions of RSA add-on for bike insurance

While a lot of factors can result in the breakdown of a bike in the middle of the road, there are a few common issues that are covered as a part of roadside assistance cover of bike insurance . The following are some of the inclusions of an RSA add-on.

1. Minor repairs

It is quite possible that your bike refuses to start or move ahead but it does not require a major repair. Sometimes, a small repair can help you start the bike and proceed with your journey. Your insurance provider can help you with such minor on-site repairs of the bike.

2. Battery issues

It is not uncommon for a battery to die within any indications. It could either be due to a manufacturing issue or a battery getting old. In either case, it can leave you stranded on the road. The RSA cover will ensure that your insurance provider sends you some help to jump-start the bike or provide the necessary remedy to let you continue.

3. Refuelling

While it is sensible to fill your bike's tank always, it might not be feasible to do so always. You might find a long stretch without any fuel stations and your bike runs out of petrol. Or worse, there is a minor flaw or leakage in the fuel pipes, leading to loss of fuel. In either case, you can ask your insurance provider to help you with refuelling the bike. They will help you reach the nearest fuel station.

4. Towing services

If the bike incurs some major damages and it cannot be fixed on-site, it must be taken to a garage. In such instances, it can be quite difficult to find a garage and push your superbike to it. Informing your insurance provider can be more resourceful. They will provide you with towing services, to help you reach the nearest garage, where your bike can be repaired. At the same time, you can even ask your insurance provider to arrange for a vehicle or cab to help you reach your destination.

5. Tyre related issues

One of the most common issues with bike rides is flat tyres. The terrain, road conditions or debris on the road can cause tyre punctures. If you face such situations, you can inform your insurance provider and they will assist you with the puncture.

Exclusions of RSA add-on for bike insurance

On one hand, your comprehensive bike insurance and RSA can cover a lot of ground. However, there are a few conditions, where the policy might not give you the needed cover. Here are the exclusions of the add-on.

1. If you are involved in illegal activities such as races and meet with an accident or need repair, the insurer might not agree with the request.

2. If you happen to push the limits of the bike beyond what its manual says, your insurer can reject the claim for assistance.

3. Failing to inform the insurance provider timely might also result in claim rejections.

Conclusion

The law makes it compulsory for all bike owners to have third party bike insurance . However, owners of superbikes and bikes that have an engine capacity of 250cc or more, must not rely only on third party bike insurance. A comprehensive bike insurance with roadside assistance cover is a much better alternative, that offers complete peace of mind.

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

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