Whether you are on your way to the office or on your way for a holiday, you would want to experience a smooth driving experience. Facing a problem during your travel journey can lead to a lot of inconvenience; it can also derail your schedule. In case the car gets broken in the middle of the road, you have to call up the garage, wait for the repair guy to reach you, repair the car and then get started again. At such times, a roadside assistance cover can help by providing you quick assistance. Read on to know all about roadside assistance cover in detail.
Roadside assistance cover is an add on cover you can opt for along with your car insurance policy by paying additional premium. It helps you in times of need when you are stuck on the road. Your car may require sudden repair work in case of unfortunate mechanical or electrical failure. At such times, this add on cover protects you from bearing the cost of such sudden expenses. Roadside assistance add on is also known as breakdown assistance cover.
In case of sudden breakdown of the vehicle, all you need to do is call the insurance company, inform them about the car’s condition. The insurer will then help you via call or send a mechanic at your location. In case if the problem is not solved, the insurance company will arrange for the car to be towed to the nearby garage for repair work. Thus, in such cases, you don’t have to manage the issue since the insurance company will do it for you. Few insurance companies offer this add-on as an in-built facility, whereas few offer the same as an add on cover at an additional cost.
Roadside assistance offers below coverage which may include the following:
In case of mechanical or electrical breakdown of the vehicle the insurance company will arrange for a mechanic to repair the vehicle at the site. The mechanic will visit the spot and check the car and help with battery jump start, replacement of flat tyre and do other minor electrical or mechanical repair work. In case the car is locked out, pick up of the car and delivery of the spare key is also provided
Free towing service is provided at the nearest network garage if the vehicle is involved in an accident
The insurance company will arrange for up to 5 liters of fuel in case the vehicle has run out of fuel in the middle of the road.
The insurance company will arrange for an alternative taxi or vehicle that the car owner can use while the car is undergoing repair work.
The insurance company will arrange for a hotel accommodation in the vicinity of the garage where the car is being repaired.
Following immobilization of the insured vehicle, if the car owner is in need of medical assistance, the insurance company will arrange for the same. Medical bills and cost of the treatment will be borne by the insurance company.
Few insurers also offer delivery of the repaired vehicle in case the car owner is not available to get the vehicle from the garage.
Roadside assistance cover does not provide coverage in case of the following:
Following are the benefits of roadside assistance cover:
The following types of people should opt to purchase roadside assistance cover
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24 * 7 Roadside Assistance in car insurance is an add-on cover you can purchase to get assistance from the insurance company in case of breakdown of the car in the middle of the road.
Yes, you can purchase roadside assistance add on separately as an add on cover along with your comprehensive car insurance policy.
You only need to pay premium for roadside assistance and don’t need to pay anything additional at the time of claim.
At the time of car breakdown, you can follow the below steps
No, breakdown assistance cover is an add on and does not have any impact on no claim bonus
Yes, it is useful to purchase roadside assistance add-on as it covers towing charges, assists with finding the nearest garage, etc.
Yes, roadside assistance cover does assist in unlocking the car in case the keys are lost, or broken inside the keyhole.
In case if the mechanic is unable to resolve the issue at the breakdown location then the car is towed for free to the nearest garage and the expenses for the repair are covered under the comprehensive car insurance coverage.
