Although the Roadside Assistance (RSA) in case of two-wheelers is not legal compulsor in India, it cannot be overemphasized. Whether it is a quick bicycle ride around the city or a long trip, RSA can be of considerable help when you are a victim of a breakdown or an accident. RSA holds a lot of importance for bike traveling and in this blog, we will also answer frequently asked questions about bike insurance.
Is RSA Mandatory for Bikes?
In India, RSA (Roadside Assistance) is not compulsory in case of bikes. One is the comprehensive two-wheeler insurance policy provided by the insurance provider is an add-on, which you can buy individually. While RSA is not required, it offers convenience by including options like towing, delivery of fuel, help for a flat tire and even emergency repair services, RSA is therefore a useful component of your insurance.
Why Should You Consider RSA for Your Two-Wheeler?
- Emergency Towing: And in cases of a malfunction, you can have your bike towed to the nearest service station.
- On-the-spot Repairs: Small problems are solvable right there, ensuring that the job can go on.
- Fuel Delivery: They can deliver fuel at the client’s location if they have exhausted the stock they possess hence the name RSA.
- Battery Assistance: This is in addition to help in case your bicycle battery goes off.
What Is Compulsory for 2-Wheeler Insurance?
Third Party Insurance is mandatory for all two-wheelers in India and Third Party Liability Insurance is Term Insurance. This also protects a third party in case of an accident on your bike as it will cater for any damages or injuries for this party. As per the Motor Vehicles Act, 1988 it is mandatory in India.
Why Is Third-Party Liability Insurance Mandatory?
- It provides refund for the bodily harm that results from an accident occasioned by your bike.
- It provides cover for other people’s property and for expenses on treatment of injured third parties.
- It assists you in meeting the legal obligation and don’t have to face the violation penalties.
How Much Does Royal Enfield RSA Cost?
Therefore, Royal Enfield Roadside Assistance (RSA) cost varies with the motorcycle model and the period you want it covered. Normally, the first year of RSA is provided free of charge in case of buying a Royal Enfield bikes. For subsequent years:
- Price depends on the model and duration of an individual policy.
- For precise price information you can contact Royal Enfield showroom near you or check out their official website.
Which Insurance Is Compulsory for a 2-Wheeler?
Earlier, we have understood that TP Liability Insurance is the only statutory mandatory insurance for two-wheelers in India. It is essential to:
- Ensure third party subject and their property.
- Obey laws governing bike ownership or motorcycle demographics and their utilization.
Is Only Third-Party Insurance Enough for a Bike?
Although, Third-Party Insurance is compulsory, it might not be sufficient for coverage of all the risks. Here’s why:
Limitations of Third-Party Insurance:
- No Coverage for Your Own Bike: It does not offer any compensation to your own two-wheeler in case of an accident.
- No Theft Protection: In the event of theft, or total loss, your bike is not covered under this policy.
- No Coverage for Natural Calamities: Losses due to floods, fire outbreak or even an earthquake do not fall under this category of loss.
Why Opt for Comprehensive Insurance?
A Comprehensive Insurance Policy covers both third-party liabilities and damages to your own vehicle. It includes:
- Own Damage Cover: Insurance against staking of your bicycle, whereby your bike is recovered but with some damages.
- Theft Coverage: Cover in the event that your bicycle gets stolen.
- Natural and Man-made Calamities: Insurance for any costs resulting from natural calamities or any act of arson.
- Personal Accident Cover: Interests that are in favor of the rider in the event of an accident or cases when the trike gives out and causes the rider to be severely injured or even killed.
Conclusion
Although it is not compulsory to have RSA for the two-wheelers you guaranty yourself that in the event of a breakdown you are not stuck. Also, getting a compounded policy rather than a third party policy ensures more protection and less financial risks. No matter what you ride be it a Royal Enfield or some other bike, getting an RSA and a comprehensive insurance is the best thing to do so you have a smooth safe and worry-free ride.