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Emergency Assistance Service in Two Wheeler Insurance

Published on January 21, 2020, EST READ TIME: 5 MIN

Given the traffic density in India and some of the leading cities across the country, buying a two-wheeler makes more sense than a car. A bike is cheaper to buy and maintain, and the regular expenses are also low. And most importantly, you can zip through traffic without getting stuck unlike in a car.

While the higher traffic density makes a bike a potent choice, it also increases the chances of possible accidents. Thus, buying two-wheeler insurance is the need of the hour. As the name suggests, a policy for your bike is termed as two-wheeler insurance. Simply put, it offers financial assistance in the event of unforeseen events.

Here are some prominent reasons why you must have two-wheeler insurance always.

  • In the event of theft or damages to your bike, the policy offers financial assistance so that you do not have to bother about it.

  • Two-wheeler insurance ensures that you get the necessary legal clearance to ride your bike on public roads, as per the Motor Vehicles Act.

  • Accidents can have impacts on your finances in the form of damage repairs. Two-wheeler insurance provides you cover against that.

  • You also get a personal accident cover up to INR 15 Lakhs along with the policy. This feature makes sure that your loved ones receive compensation, should the worst ever take place.

  • If there is an accident that involves other individuals or properties, the policy takes care of the financial and legal liabilities arising out of it.

  • Emergency Assistance Service
    Emergency assistance service or roadside assistance is a feature that one might not need that frequently, but you would be glad that you opted for it if there is a need for it. Depending on the insurer that you opt for, it can either be part of the policy or you might have to opt for it as an add-on. In either case, you get instant access to the following features.

  • Spare Key
    If due to some reason, you lose your keys or they get stolen, you no longer have to be stranded in the middle of the road trying to make several calls. You can call your insurer and as a part of the emergency assistance service, they will arrange for a spare key and provide it to you.

  • Minor Repairs
    At times your bike might break down due to minor electrical or mechanical faults. With the emergency assistance service, you do not have to worry about dragging your car to a nearby garage. The insurer will send a mechanic to repair the bike. The policy might not cover the costs of any replacement parts.

  • Refuel your Bike
    Either due to negligence or faulty fuel indicator, your bike might run out of fuel. If you do not see a fuel station in the vicinity, you can call your insurer. They will provide you with fuel at your location. Depending on the policy wordings, you might have to pay for the fuel costs.

  • Towing or Jump Start
    One of the biggest advantages of emergency assistance service is the ability to jump start your bike. In the event that your battery drains out, you can ask for a jump start from your insurer. Alternatively, you can opt for towing service as well if your bike is immobile. The towing comes in handy if there are some issues or damages that cannot be repaired at the site.

  • Accommodation
    In certain cases, if your bike breaks down beyond a certain radius from your house, the insurer can cover expenses related to accommodation. This is usually up to one day.

  • Tire Change
    During a ride, if you face punctured tires or the tire bursts due to unavoidable reasons, you can inform your insurer about the same. Your insurer will try to send a replacement tire or repair the puncture. If either is not possible, they will arrange for a towing service to the nearest available service center.

  • Accidents
    In the event of any major accident, the insurer might provide transportation for the occupants to the nearest safe location or the residence of the insured.

Riding on a bike can be adventurous and thrilling but at the same time dangerous as well. One of the smartest things that you can do as a bike owner is to opt for the right coverage. Comprehensive two-wheeler insurance with emergency assistance service ensures adequate coverage.

The emergency assistance service comes in handy in cases of minor as well as major issues, and more so if you are stuck in the middle of the road and cannot find a garage nearby. If you do not already have a bike insurance policy, it is time that you opt for one and benefits from its numerous features.

This blog has been written by

Mukesh Kumar | Motor Insurance Expert | 36+ years of experience in insurance industry

A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.

Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 6,800+ network garages, you can be assured of help in event of any damage to your vehicle".

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