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Emergency Assistance Cover in Bike Insurance

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Emergency assistance is an add-on cover you can opt for with your comprehensive two wheeler insurance policy or standalone own-damage policy. Emergency assistance, also known as roadside assistance, can help you when your vehicle breaks down in the middle of a highway. Your bike is after all a machine and may not always run as per your plan. Things like this can happen anytime, at any moment, no matter how carefully you maintain your two-wheeler.

While locating a garage in a remote place may be difficult, what might be more challenging is the inconvenience and anxiety such a breakdown can cause, especially when it takes place at odd hours. For you to be able to handle such a situation properly, HDFC Ergo offers a roadside assistance add-on cover. You would have to pay a little extra for the add-on, but it is a beneficial cover that can come in very handy especially if you travel in the city outskirts or like to go exploring or off-roading often.

What is Roadside Assistance Cover in Bike Insurance

Roadside assistance in bike insurance is an add-on cover where you get towing help, repair services or other provisional help in case your bike is broken. These services can be availed 24*7.

 

• Towing:If you are involved in an accident or your bike breaks down in the middle of a ride, that may be due to mechanical failure, a tyre problem, or an electrical problem, your bike will be towed to the nearest service centre or garage for repair if it cannot be fixed on the spot.
• Repair services:Your insurance provider arranges on-the-spot repair facilities such as refuelling, charging your battery, tyre replacement, mechanic support, etc.
• Other help and support:If your bike damage requires time to repair, your insurance provider might offer accommodation, cab service, and spare key facilities.

Benefits of Two Wheeler Roadside Assistance Coverage

Roadside assistance cover for your bike can be the greatest ally when your bike breaks down. It has multiple benefits, some of which are mentioned below:

1

You can get repair support

When your bike stops working due to minor issues, the experts at HDFC ERGO will guide you telephonically so that you can try restarting it.
2

Towing facility comes
to your rescue

In case your bike is damaged in a way that it cannot be fixed on the spot, you can look for "roadside assistance near me'' on your phone. If you want, HDFC ERGO will arrange for the towing to the nearest garage.
3

Battery fixes are
no more a worry

If your bike's battery becomes immobilised due to battery rundown or discharge and requires immediate jumpstarting, a technician would reach you to properly restart your bike.
4

A flat tyre can be fixed soon

If your bike’s tyre is flat and you do not have a spare or are unable to replace it, a mechanic is sent to your location to replace the tyre.
5

Lost your bike key?
spare keys would be delivered

If you have lost your bike’s key, an executive is sent to your home to bring the bike’s spare key and deliver it to you.
6

Get refuelling done,
anywhere anytime

Ran out of fuel? Don’t worry, the road side assistance add-on helps you with refuelling arrangements.
7

24*7 availability

HDFC ERGO provides 24*7 road assistance services from India.

Inclusion & Exclusions of Emergency Assistance Cover

When you are travelling, there are a variety of uncertain events that could occur, leaving you stuck and needing assistance. Hence, you need to be well aware of the conditions and inclusions that the roadside assistance add-on covers. Take a look:

Accidents

Flat tyre

One of the most common issues is a flat tyre, which leads to bike breakdowns. As a result, flat tyre replacement and repair are included in roadside assistance coverage.

Fire & Explosion

Battery jumpstart issue

If your bike’s battery has run down, roadside assistance cover includes a jumpstart facility.

Theft

Spare keys

Suppose you have lost your keys or they are not working. Under this cover, your insurance provider will send a person to bring the spare keys to you from your home.

Calamities

Minor repairing

Under roadside assistance cover, you can receive instructions on your phone for minor repairs, where the experts guide you to fix the problem.

Personal Accident

Towing

If your bike is not in a condition to be driven, roadside assistance add-ons include towing your car to a garage near you.

Third Party Liability

Medical assistance

Roadside assistance enables access to medical assistance facilities where they arrange for you to get to the hospital nearby by coordinating with them.

Third Party Liability

Refuelling

In case you are out of fuel, a person will be sent to you with a few litres of petrol so that you can reach a petrol pump near you to refill the tank.

Did you know
Forgot your DL, RC at home? The digital copies in the MParivahan or digilocker app on your smartphone are enough.

Everything You Need to Know About 24-Hour Roadside Assistance

(Importance and How It Works)

Emergency roadside assistance is a two wheeler breakdown service add-on that you can avail of with your comprehensive bike insurance or a standalone own-damage cover. Whether you have a minor bike breakdown or major damage, you can get 24*7 roadside assistance with HDFC ERGO even without filing a claim. Mostly the services are non-chargeable (up to a specified limit); however, a few of them are chargeable, such as refuelling, and towing your vehicle, which you need to pay out of your pocket.

Roadside assistance secures your long rides in cities and remote areas. It offers medical help, repair, mechanical assistance, refuelling, spare key arrangements, quick service, repair and replacement of flat tyres, jumpstart of batteries, and so forth.

How does it work?

HDFC ERGO works collaboratively with reputed brands, leading to a wide network that works together to offer roadside assistance.

• All you have to do is call the HDFC ERGO helpline

• Mention the details about the insurance plan

• Give your location and share the issue

• Based on your location, bike model, and other factors, you will be assigned a service provider, who will assist you further.

Factors to Consider Before Buying Roadside Assistance Coverage

You must choose your add-ons mindfully, if you buy an add-on and it is not of use, it may be considered worthless. Hence, below are the noteworthy factors that must be considered before buying roadside assistance cover,

• Primary Insurance Plan: Roadside assistance cannot be added to third party bike insurance; therefore, you must check the primary cover against your bike. You can opt for roadside assistance coverage with comprehensive or standalone own damage bike insurance.

• Need: If you are someone who keeps travelling and going on long trips with your bike, opt for this.

Did you know
4,12,432 –The number of road accidents that took place across India in 2021.Still think comprehensive bike insurance isn’t necessary?

Who should opt for roadside assistance coverage in bike insurance?

Bike breakdown service benefits everyone; hence, everybody should consider opting for the roadside assistance add-on in vehicle insurance.

• If you own a new bike, excellence comes with practice. Being a new driver, there are chances you may collide or not understand certain things about bike management; therefore, you must take the emergency roadside assistance add-on to protect yourself from getting into any odd situations like a bike breakdown.

• If you are using your old bike, it may be more likely to break down, hence, opt for roadside assistance cover.

How do I buy a roadside assistance policy?

Roadside assistance add-on coverage can be included in a comprehensive or a standalone own-damage bike insurance policy. In the steps below, you can purchase a roadside assistance cover for your motorcycle.

• Open HDFC Ergo’s official webpage

• Visit the bike insurance page

• Fill in the details like the existing policy number, location, bike model, and registration number

• Select comprehensive or standalone Own Damage plan of your choice

• Choose roadside assistance add-on cover

• Make the premium payment online

• Congratulations, roadside assistance cover has been purchased, and you will be sent an email with all the details regarding the same.

How to make a claim for Bike Insurance with Roadside Assistance Coverage?

To claim bike insurance for breakdowns with roadside assistance cover, you don’t need to file a separate claim. Just follow the given steps:

• Give a call to HDFC ERGO’s toll-free number

• Confirm your policy details, issue, and bike details

• You will receive help in no time. If the damage can be fixed on the spot, the technician will repair it then and there

• If your bike needs to be taken to the garage, it will be towed to the nearest one.

Other Two-Wheeler Insurance Add-ons

HDFC ERGO’s add-on covers increase the coverage of your bike against damage due to an accident or breakdown. Therefore, you must choose the appropriate add-on.

Every asset or vehicle depreciates with time, but if you want to save your money from paying depreciation, zero depreciation is for you. You can save on the loss due to depreciation while claiming settlement.
2

Accessories Cover

Bike lovers often add accessories to their bikes to enhance their look and sometimes their performance. These accessories are expensive and require high maintenance. This cover comes in many variants, electric, and nonelectric. You can choose as per your wish, and take care of the costly additions.
3

Engine & Gear Box Protection

This add-on cover offers coverage against damages incurred by your bike’s engine because of water ingression, physical damages to gearbox and leakage of oil, coolant, lubricant, etc.
4

Cash Allowance Cover

With cash allowance add-on cover, you can avail daily allowance from the insurer in case your two wheeler is stolen, lost or is out for repairs. However, the cash allowance will be paid for a maximum of 10 days in case of partial loss only.
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Frequently Asked Questions for roadside assistance bike insurance cover


An emergency roadside assistance add-on has multiple benefits. It secures your long rides against unexpected breakdowns and accidents. If you are stuck in a remote area without enough battery, fuel, or a flat tyre, you can get help, which is really convincing and worthwhile.
No, availing of emergency roadside assistance doesn't impact a no-claim bonus. Also, it is the only add-on that is not considered a claim even if it was used.
Yes, in case you have gone to a garage that is not in HDFC ERGO’s network, or there is no network garage available in the area you are stuck in, you can get your car repaired at a non-network garage and submit the bills and receipts for reimbursement.
HDFC ERGO offers 24*7 roadside assistance. You can call us anytime, and we will support you with the best services.

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