Roadside Assistance Cover: An Understanding
Picture this scenario: you find yourself stranded on a deserted highway as darkness sets in, miles away from home, with no one around to assist you. Your car has broken down, and you are faced with the daunting challenge of dealing with the situation all alone. The difficulties and inconveniences that may arise in such a predicament can be overwhelming…
Features of Roadside Assistance Cover
| Features | Details |
|---|---|
| Optional Cover | It is not required to get emergency help coverage with car insurance. You are free to purchase the optional cover based on your personal preferences. |
| Claims | In the course of a policy year, you may file several claims. |
| Available with | Roadside assistance coverage is not offered by third-party auto insurance; it is exclusively accessible with comprehensive motor insurance plans. |
| When to Purchase | When you buy a comprehensive auto insurance coverage or renew your current policy, you can add emergency assistance to your package. |
| Premium | To purchase roadside assistance coverage, you must pay additional payments on top of the comprehensive auto insurance plan price. |
| Service Available | The emergency support cover service is offered around-the-clock. Therefore, you are able to submit a claim for a roadside assistance add-on at any time of day. |
Roadside Assistance Coverage Inclusion & Exclusions
Inclusion:
- Towing facility in the case of an accident or breakdown of the vehicle: In the case of an accident or breakdown, policyholders are entitled to towing services to move the vehicle to a repair facility.
- On-spot repairs for minor damages: Minor damages can be addressed through on-spot repairs, ensuring a quick resolution without the need for towing.
- Replacement of flat tyre: Coverage includes the replacement of a flat tire, ensuring that drivers can continue their journey promptly.
- Key service: Assistance with lost or locked keys, providing a solution to a common inconvenience faced by drivers.
- Emergency delivery of fuel: Policyholders can request emergency delivery of fuel if they run out, preventing long delays and potential hazards.
- Arrangement for an alternate mode of travel: Arrangements can be made for alternative transportation if the vehicle is rendered immobile.
- Translator service: In the case of language barriers during travel, a translator service can be provided to assist in communication.
- Jumpstart the battery: Assistance with jumpstarting a vehicle’s battery, addressing common issues related to battery failure.
- Arrangement for accommodation: Coverage includes assistance in finding and arranging accommodation if a breakdown leaves the driver stranded.
- Medical evacuation: In the event of a medical emergency, the coverage extends to medical evacuation and referral to an ambulance service.
- Continuation or return journey: Assistance in continuing or returning the journey after the vehicle is repaired.
- Repatriation of the vehicle: In case of breakdowns occurring away from the driver’s residence, arrangements are made to repatriate the vehicle.
- Assistance for legal services: Coverage includes assistance with legal services related to the incident or accident.
Exclusions:
- Driving without a license: Claims for emergency assistance are not allowed if the driver is operating the vehicle without a valid license.
- Driving outside India: Coverage is limited to incidents that occur within the geographical boundaries of India.
- Participating in adventure sports, hazardous acts, or criminal activities: Incidents resulting from engaging in risky activities or criminal acts are excluded from coverage.
- Consequential losses: Losses that are a consequence of the initial incident may not be covered under roadside assistance.
- Losses due to depreciation and normal wear and tear: Damages resulting from depreciation and normal wear and tear are excluded from coverage.
- Claims in a lapsed policy: Emergency assistance claims will not be entertained if the policy is in a lapsed state at the time of the incident.
- Driving under the influence of alcohol or drugs: Incidents that occur while the driver is under the influence of alcohol or drugs are excluded from coverage.
- Self-inflicted damages or deliberate damages: Damages intentionally caused by the driver or self-inflicted are not covered under roadside assistance.
Benefits of Having a Roadside Assistance Cover
- Peace of mind: Being covered for roadside assistance might help you feel more at peace when driving. You don’t need to be concerned about being stuck if your vehicle breaks down.
- Savings: You can save a lot of money on towing and repair expenses by using roadside assistance. If your car breaks down, you won’t have to pay for a tow truck or a repair.
- Convenience: Roadside help is a convenient service. Locating a tow truck or mechanic is not a concern. All you have to do is give the roadside assistance number a call, and someone will come assist you.
- Flexibility: Plans for roadside assistance are adaptable. You can select a plan based on what your demands and finances allow.
Factors to Consider Before Opting for Roadside Assistance Cover
- The plan’s cost: Plans for roadside assistance might differ in cost. Before selecting a package, it is imperative to examine costs and features.
- The coverage: Not every package for roadside assistance is made equally. It is important to carefully review the fine print to determine what is and isn’t covered.
- The deductible is a component of certain roadside assistance programs. This is the total amount that must be paid before the plan begins to operate.
- The amount of services you can use and the distance you can be towed are two common limitations of roadside assistance contracts. Before you select a plan, make sure you are aware of the limitations.
How Can I Avail the Services of Roadside Assistance Cover?
A comprehensive car insurance policy offers various add-ons to enhance coverage, and one valuable inclusion is Roadside Assistance. This beneficial feature, also known as car breakdown cover, provides policyholders with assistance in the event of engine troubles or breakdowns while on the road…
In situations where a car breaks down during a journey, the roadside assistance cover proves to be a valuable asset. To avail of this service, the policyholder simply needs to contact their roadside assistance provider, typically their insurance company, and provide details about the incident and their location. The insurance company will then offer assistance over the phone or dispatch a mechanic to the location…
In the event that a claim needs to be raised for the roadside assistance plan, the process is straightforward:
- Contact the insurer: Initiate a call to the insurance company, providing necessary policy details for verification and assistance.
- Share basic information: During the call, share essential details such as your name and policy number. Some insurers may retrieve this information from the registered mobile number and seek confirmation.
- Mechanic or towing service: If the insurance company dispatches a mechanic or arranges for towing to a garage, they will handle the associated charges directly with the service providers.
- Garage reimbursement: In cases where the insurer does not have a tie-up with the garage, submit the repair bill to the insurance company for reimbursement according to the terms and conditions. However, most insurers prefer settling bills directly to avoid inconvenience to the policyholder.
This comprehensive roadside assistance coverage not only offers peace of mind during unexpected breakdowns but also ensures a smooth and efficient process for claiming benefits, emphasizing the customer-centric approach of the insurance provider.
Factors to Consider Before Opting for Roadside Assistance Cover
- The plan’s cost: Plans for roadside assistance might differ in cost. Before selecting a package, it is imperative to examine costs and features.
- The coverage: Not every package for roadside assistance is made equally. It is important to carefully review the fine print to determine what is and isn’t covered.
- The deductible is a component of certain roadside assistance programs. This is the total amount that must be paid before the plan begins to operate.
- The amount of services you can use and the distance you can be towed are two common limitations of roadside assistance contracts. Before you select a plan, make sure you are aware of the limitations.
How Can I Avail the Services of Roadside Assistance Cover?
A comprehensive car insurance policy offers various add-ons to enhance coverage, and one valuable inclusion is Roadside Assistance. This beneficial feature, also known as car breakdown cover, provides policyholders with assistance in the event of engine troubles or breakdowns while on the road…
In situations where a car breaks down during a journey, the roadside assistance cover proves to be a valuable asset. To avail of this service, the policyholder simply needs to contact their roadside assistance provider, typically their insurance company, and provide details about the incident and their location. The insurance company will then offer assistance over the phone or dispatch a mechanic to the location…
In the event that a claim needs to be raised for the roadside assistance plan, the process is straightforward:
- Contact the insurer: Initiate a call to the insurance company, providing necessary policy details for verification and assistance.
- Share basic information: During the call, share essential details such as your name and policy number. Some insurers may retrieve this information from the registered mobile number and seek confirmation.
- Mechanic or towing service: If the insurance company dispatches a mechanic or arranges for towing to a garage, they will handle the associated charges directly with the service providers.
- Garage reimbursement: In cases where the insurer does not have a tie-up with the garage, submit the repair bill to the insurance company for reimbursement according to the terms and conditions. However, most insurers prefer settling bills directly to avoid inconvenience to the policyholder.
This comprehensive roadside assistance coverage not only offers peace of mind during unexpected breakdowns but also ensures a smooth and efficient process for claiming benefits, emphasizing the customer-centric approach of the insurance provider.
Maintenance Tips to Avoid Car Breakdown During a Long Trip
- Verifying the level and condition of your engine oil is a crucial aspect of vehicle maintenance…
- Neglecting scheduled car servicing poses a significant risk to both the vehicle’s longevity and the safety of its occupants…
- The manner in which you drive plays a pivotal role in determining the overall condition of your car…
- Avoiding unnecessary weight in your vehicle is a prudent practice that can have a positive impact on both the performance and fuel efficiency of your car…
- Ignoring warning indicators and unusual noises in your vehicle is a risky practice that can lead to more significant issues down the road…
Frequently Asked Questions (FAQs) of Roadside Assistance Cover
Q1: Is the roadside assistance cover helpful in unlocking my car?
Ans: Yes, it is. If you happen to lose your car’s key or the car gets locked when you are out of your car, the insurer would help you by providing a spare key. In certain situations, the technicians would help you unlock your car. However, you should present valid ID proof.
Q2: Will my NCB be impacted if I avail of roadside assistance?
Ans: No, availing of roadside assistance does not impact your eligibility for No Claim Bonus. Roadside assistance is not considered a claim.
Q3: Is the roadside assistance add-on cover worth it?
Ans: Yes, it is given the many benefits that cover offers. It is very much worth it because you never know when the service is needed. If you have included this cover in your car insurance policy, you will never get stranded anywhere.
Q4: What factors should I consider when buying roadside assistance cover?
Ans: The factors to be considered when buying the best car insurance with roadside assistance cover include ease of contacting the service, whether the insurer offers 24×7 support or not, the scope of coverage, and service benefits.
