What Does the Bike Insurance Plan’s Breakdown Coverage Entail?

Having insurance for bikes is necessary from a legal standpoint, but it is more necessary for yourself. Bike insurance provides you with financial support in case any mishaps arise suddenly. In India, third-party liability insurance is mandatory for all vehicles, which covers the liabilities against the loss, damage, or injury to the life or property of a third party. In contrast, you should purchase a comprehensive insurance policy to provide full protection to your vehicle or bike.

As you ride a bike, it is normal for some parts to wear and tear and sustain damage while on the road. So it will become essential to have bike breakdown coverage in comprehensive bike insurance policies, also known as full coverage bike insurance. In this article, let’s learn what breakdown coverage entails.

What Is “Breakdown Coverage”?

Breakdown coverage, as the name suggests, gives coverage against the expenses related to any breakdown of the bike’s engine, transmission, electrical system, and other important parts. Typically, this Breakdown Coverage plan covers the repair and replacement of a particular part of the bike, which also includes the cost of towing the bike to a nearby garage or repair shop.

It is worthy coverage as it provides 24×7 roadside assistance and is mainly added to the comprehensive policy. Still, if the bike policyholders want it, it can also be added to the standalone policy.

What Does Breakdown Coverage For Motorcycles Entail?

The coverage in the breakdown varies with the different insurance companies and policy terms. However, it generally entails the following, such as:

  • Roadside assistance

Breakdown coverage provides roadside assistance to the bike insurance policyholder, which includes temporary repairs, jump-starting the bike, and arranging for the vehicle to be towed to the nearest garage.

  • Towing expenses

Towing expenses are those expenses that are required to tow the vehicle to a nearby garage for the repair of the damaged parts. It will be essential if your bike breaks down on the road and cannot be repaired immediately. Even though you can see that the cost of towing is relatively high, having breakdown coverage saves you a lot of money in this case.

  • Fuel delivery

Some of the breakdown coverage also includes the delivery of fuel. In any case, you will be out of fuel on the road. The fuel volume delivered will vary depending on your policy’s terms and conditions.

  • Repair Cost

It is normal to have normal wear and tear while driving a bike on the road, but if we talk about repair, it can be expensive to bear in many cases. Having breakdown coverage will help you cover the cost of repairs. In addition, many insurance companies have their own network of garages where you can get cashless repairs or reimbursement if no network garage is available.

  • Replacement costs

In some cases, repainting will not help, and you will have to replace those specific components of your motorcycle completely. So one can offset the cost of replacement by leveraging the benefit of breakdown coverage.

  • Accommodations and transportation

In some cases, if your bike breaks down in a remote area, you will need to stay overnight. The insurance company will also provide coverage for the accommodation and transportation for you and your pillion rider.

What Are The Benefits Of Breakdown Coverage?

You can leave multiple benefits from the breakdown coverage, which is worth your pocket and gives you peace of mind. Some of the following benefits are possible:

  1. 24 * 7 roadside assistance is available in case any emergency occurs while driving.
  2. It provides convenience, as they take care of all the arrangements and management in case of any breakdown with your bike.
  3. It will save you a lot of money on towing charges, mechanical labour costs, repairs and replacements, and more.
  4. It helps allows you to be free from any hassles, or panic while walking or running here or there to find any of the mechanics or arrange the services as they become the headache of the insurance company.
  5. Having breakdown coverage also allows you to get timely assistance in an emergency while riding toward your destination. And reliable insurance companies like Tata AIG assist in every possible way to save the bike rider time, money, and effort.


In sum, breakdown coverage is an important add-on benefit that gives convenience and calmness if any breakdown occurs. So remember to add it while purchasing an online two-wheeler policy. To select the best one and know the effect of each coverage on the cost of your policy, you can also use a bike insurance calculator. So enjoy your rides fully after getting yourself the best comprehensive bike insurance online, and reach your planned destination without any worries.

  • Skye Marshall

    Ivy Skye Marshall: Ivy, a social justice reporter, covers human rights issues, social movements, and stories of community resilience.

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