What is RSA Add-on Cover in Bike Insurance

What is RSA in Vehicle Insurance?

The full form of RSA cover is "Roadside Assistance Cover". With this add-on cover, the insurer will help you in case you are stuck anywhere in the journey due to an engine breakdown or any technical issue.

Let's understand it with an example.

Imagine you are riding your bike on a long road trip, and suddenly your bike's engine stops working. You try to start it, but it just won't start. You’re stuck in the middle of the road, far from any garage. If you have RSA cover with your bike insurance, all you have to do is call your insurance company and they will send a mechanic out to fix your bike or tow it to the nearest repair shop.

So in simple terms, this add-on cover may lead you to pay a slightly higher premium than normal but it will definitely help you in avoiding all the trouble and hassle of the trip itself.

Benefits of RSA Cover in Bike Insurance

Here are the main benefits of adding the Roadside Assistance cover:

1. Quick Help

Even if your bike breaks down, all you have to do is call the insurance company and give them your location and they promptly send a mechanic out to your help. The mechanic will come over and fix the bike right then and there. Otherwise, they will tow it to a nearby garage. With RSA cover, you don’t need to worry about handling these situations by yourself.

2. Peace of Mind

When you have RSA coverage, you don't have to worry about what you would do when your bike breaks down. Knowing that help is just a call away makes your journey less stressful.

3. Good Value

RSA cover is not expensive. It would cost a little more on your current insurance, but that small amount pays for many services that you would need when you need them the most.

What is Covered Under Roadside Assistance Coverage?

Here are some inclusions that are covered in RSA coverage:

1. Pick & Drop Facility

The insurer will arrange for your broken-down bike to be picked up and delivered to your home.

2. Tyre Problems

If you get a flat tyre, the insurer will send a spare tyre or tow your bike to a nearby garage.

3. Accommodation Cover

If you're far from home, the insurer will pay for a hotel stay. However, this may depend on the location of the breakdown of a bike and your home.

4. Emergency Fuel Assistance

If you run out of fuel, the insurer will provide up to 5 liters.

5. Technical Issues

If your bike has a breakdown, the insurer will send a mechanic to fix it. They'll cover labor costs, but not the cost of new parts.

6. Battery Issues

If your battery is dead, the insurer will send a mechanic to jump-start it so you can keep riding.

7. Taxi Arrangement

If your bike breaks down, the insurer will arrange a taxi to take you home and cover the fare.

8. Towing Assistance

If the bike can't be fixed on the spot, it will be towed to a nearby garage.

9. Key Issues

If you lose your keys, the insurer will help get spare keys from a location within 100 kilometers.

Exclusions of RSA Add-On Cover

1. Accidents Due to Intoxication

If an accident happens because the rider was drunk, it won't be covered.

2. Theft and Vandalism

If the bike is stolen or damaged on purpose by someone, it may not be covered.

3. Damage from Natural Disasters

If the bike gets damaged by a natural event like a flood or earthquake, it might not be included.

4. Service Outside Covered Areas

If you need help outside the areas your insurance covers, you won't get assistance.

5. Routine Maintenance or Electrical Issues

Regular bike repairs or electrical problems are not part of the insurance cover.

Things You Should Consider Before Purchasing Roadside Assistance Coverage

Before buying insurance, make sure to do some research and compare different policies. Here are some important things to consider:

1. What's Covered

Check if the policy includes things like emergency fuel, tyre repair, and towing. Make sure these services are part of the plan.

2. Is It Worth the Cost?

See if the extra cost is good value and doesn't make your insurance too expensive.

3. Easy Claim Process

Look for a policy with a simple claim process, so you can get help quickly and without any trouble.

4. Service Network

Make sure the insurer has a strong network of service providers, so you can get help fast.

5. What's Not Covered

Read the policy carefully to understand what isn't covered, such as issues caused by drinking, vandalism, or natural disasters.

To Sum Up

This add-on makes your bike insurance even better by giving you extra protection. It means that if something goes wrong while you're on the road, help is just a phone call away. To find the best bike insurance, visit Square Insurance to compare and choose a plan that fits your budget.