Motorbike breakdown cover
Learn how motorbike breakdown cover can get you back on the road when your motorbike breakdown.
What Is Motorbike Breakdown Cover?
Motorbike breakdown cover provides help if you run into mechanical trouble with your bike. It ensures that you and your motorbike are back up and running as quickly as possible with professional help.
It’s worth noting that while motorbike breakdown cover may be purchased separately, some motorbike insurance plans can include it as a standard feature or as an optional extra. To ensure you get the best value for your money, it’s always a good idea to shop around and compare your options before settling on a deal.
Key Points
- Motorbike breakdown cover provides help if you run into mechanical trouble with your bike.
- With motorbike breakdown cover, there are two types you can choose: cover for yourself or cover for your motorbike.
- Besides the types, you also have to choose the coverage you want, such as roadside assistance, home start, onward travel, and nationwide recovery.
What Types of Motorbike Breakdown Cover Are Available?
With motorbike breakdown cover, there are two types you can choose: cover for yourself or cover for your motorbike.
Personal Cover
A personal cover protects you when you ride any motorbike that meets the policy requirements. This type of cover can protect up to four people who live at the same address. In addition, it will still cover you even if you are a passenger.
Vehicle Cover
This covers the motorbike or motorbikes specified on the policy. It can usually cover up to four motorbikes registered at the same address.
What Kind of Cover Do You Need For Your Motorbike?
Once you have decided the type of motorbike breakdown cover you want, you can decide the specific coverage you want. These include:
Roadside assistance
You will be provided with a recovery vehicle, and a mechanic will try to repair your motorbike at the side of the road. If your motorbike cannot be fixed at the side of the road, you will typically be taken to the nearest garage.
Home start
With this type of cover, you will be assisted if your motorbike won’t start at, or near to, your home.
Nationwide recovery
This type of cover includes road assistance. However, your motorbike can be taken to anywhere in Thailand if a roadside fix is not possible.
Onward travel
With this coverage, you will be provided with a replacement motorbike or travel expenses to get you to where you were going before your bike broke down. In some cases, it might also include overnight accommodation if necessary.
Motorbike breakdown cover ensures that you and your motorbike are back up and running as quickly as possible with professional help.
What Are the Exclusions of Motorbike Breakdown Cover?
Many motorbike breakdown covers have exclusions. Some of the most common exclusions are:
Accidents on the road
If your bike broke down as a result of a vehicle accident, it could be more difficult for your provider’s service vehicle to get to it. Before they can reach you, emergency responders may need to grant them clearance.
Basic maintenance
It is your duty to maintain your motorbike, and if you break down as a result of bad maintenance, such as running out of oil or brake fluid, your insurance company cannot compensate you.
Motorbike breakdown on private land
If your motorcycle breaks down on a privately owned property, it’s possible that your service provider won’t be able to contact you or won’t be allowed to. They could even charge a fee for their support.
Motorbike breakdown cover can make your life easier.
What Should You Consider Before Purchasing Motorbike Breakdown Cover?
Before buying a motorbike breakdown cover, make sure to keep the following things in mind:
- The standard of protection – A higher level of coverage is likely to cost more than a basic policy.
- Type of cover – Some insurers can charge you differently depending on whether you want to cover yourself for a number of motorbikes or just one specific motorbike.
- The number of motorbikes covered – Several insurers will allow you to add several motorbikes to your policy, which, while likely to raise your premium, can still save you money over buying separate policies for each motorbike.
- Make, model, and age of the motorbike – Older motorbikes may be more costly to insure, and insurers can charge higher premiums for expensive or strong motorbike models.
What Is the Procedure to Claim Motorbike Insurance In the event of a Breakdown?
The insurance company must be informed directly in case of a motorbike breakdown.
You must bring an original claim form to the garage or any repair center affiliated with the insurance company. Make sure to keep photocopies of it before bringing it to the garage or repair center.
During a car repair, you may have to provide documents claiming for lack of benefit from using the bike, copy of the driving license, copy of bike repair receipt, copy of ID card, copy of bike return receipt, copy of claim form, and copy of house registration receipt.