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Outstation Emergency Accident Cover - Bike Insurance Add-on

Team AckoJan 18, 2024

The outstation emergency cover for bike insurance is an add-on cover, which provides financial assistance in case of a breakdown or an accident outside the 100 km radius of the policyholder’s place of residence. ACKO will pay the amount specified in the policy attached to the add-on cover.

Contents

What is Outstation Emergency Cover in Bike/Two-wheeler Insurance?
How to Buy Outstation Emergency Cover Add-on?
Benefits:
How to Claim Two-wheeler Insurance for Outstation Emergency in case of Accident or Breakdown?
Stand-Alone Own Damage Two-Wheeler Package Policy - Add-on: Outstation Emergency Cover
- Special Conditions
Things to Keep in Mind While Raising a Claim:
Frequently Asked Questions:

What is Outstation Emergency Cover in Bike/Two-wheeler Insurance?

In case of an accident or a breakdown of your bike outside the 100 km radius of your place of residence, and the repair of the bike takes more than 12 hours, ACKO will pay the amount stated as per the policy attached to the Outstation Emergency Cover add-on.

For Example: If your bike is insured in the city of Bengaluru, and it breaks down in Mysore while on a bike ride, which is about 120 km from Bengaluru, and the repair takes more than 12 hours, ACKO will pay the amount specified in the policy attached to the add-on cover as emergency financial support.

How to Buy Outstation Emergency Cover Add-on?

The add-on cover can be purchased along with the comprehensive bike insurance policy while buying a new insurance policy or while renewing the existing plan. The following are the steps to buy add-on cover:

Step 1: Visit our website ACKO.com or mobile app to log in to your account if you are an existing customer.
Step 2: If you are buying ACKO bike insurance for the first time, then visit our website or our mobile app and enter a few details of your bike to buy the bike insurance policy.
Step 3: You have the option to buy add-on covers. Choose the Outstation Emergency Cover.
Step 4: Pay the premium and receive the policy document instantly to your email account.

Benefits:

Below are the benefits of the Outstation Emergency add-on cover:

Get paid in case of a breakdown or accident outside 100 km of your place of residence.
Financial support in addition to the claim under the standard comprehensive insurance plan.
Peace of mind knowing that you have emergency financial support in case you are stranded in an outstation due to a breakdown or accident.
Does not affect the No Claim Bonus (NCB) for bike insurance.

How to Claim Two-wheeler Insurance for Outstation Emergency in case of Accident or Breakdown?

In case of a breakdown or an accident outside the 100 km of your place of residence and the repair takes more than 12 hours, you can raise a claim under this add-on cover. The process of raising a claim is as follows:

Step 1: Visit ACKO.com or the mobile app to log in to your account and raise a claim. Alternatively, you can also call us on our toll-free number 1800-266-2256 to file the claim.
Step 2: Once the claim is registering, ACKO will pay the amount specified in the policy attached to the add-on cover.

Stand-Alone Own Damage Two-Wheeler Package Policy - Add-on: Outstation Emergency Cover

In the event of the insured bike being immobilized due to an accident or breakdown outside the specified geographical area, ACKO will pay the stated amount in the policy.

Special Conditions

ACKO provides the services under the add-on cover subject to the conditions below:

The required time to repair the insured bike from the time of the breakdown/accident takes more than 12 hours.
The number of claims will be restricted to the number of admissible claims during the policy period.
The NCB will not be impacted in case you raise a claim under this add-on cover.

Things to Keep in Mind While Raising a Claim:

Adhere to the timeframe of filing the claim for this add-on.
Provide factual information and do not hide any information.
Be patient with the process.

Frequently Asked Questions:

Below are the frequently asked questions about the Outstation Emergency Cover:

1) Are the Roadside Assistance add-on cover and the Outstation Emergency add-on cover the same?

Both the add-on covers differ. Under the Roadside Assistance cover, ACKO will provide emergency services such as repairing or replacing a flat tyre, jumpstart the battery, provide fuel support, emergency towing, etc. As for the Outstation Emergency cover, ACKO will provide financial assistance in case the repair of the insured bike takes more than 12 hours due to an accident or a breakdown occurred outside the 100 km radius of the policyholder’s place of residence.

2) My existing bike insurance policy has not expired. Can I buy the Outstation Emergency Cover?

Yes, you can buy the add-on cover through the process known as Policy Endorsement. You can make changes to the existing policy to include the Outstation Emergency accident cover on a pro-rata basis. Contact us to make the required endorsement to the existing policy.

3) Is the Outstation Emergency add-on cover mandatory?

No, the add-on cover is not mandatory. It is optional when you buy the comprehensive two-wheeler insurance plan and adds value to the standard comprehensive plan.

4) Does raising a claim under the Outstation Emergency accident cover impact the No Claim Bonus (NCB)?

No, any claim raised against the add-on cover will not impact the NCB. However, claims raised against the Own Damage (OD) cover will affect the NCB of the bike insurance policy.

5) Can I buy the Outstation Emergency add-on cover along with the Third-party bike insurance policy?

No, you cannot buy the add-on along with the Third-party bike insurance cover; however, you can opt for the add-on along with the comprehensive bike insurance plan.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet; and is subject to changes. Please go through the applicable policy wordings for updated ACKO-centric content and before making any insurance-related decisions.