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Motor Blog
22 Feb 2023
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The invention of the car in the 19th century was one of the noteworthy engineering marvels leading to an advancement in transportation. It has revolutionised how we, as humans, travel from one point to another ever since. With different features being added to cars every year, it’s a combination of utility and luxury in one. However, as its heart, the engine is made up of several mechanical components, it is bound to have problems in its functioning at some point. Such problems can lead to mishaps, causing damage to the vehicle and injury to you, as a car owner. While predicting an accident is impossible, you can be financially prepared to take care of the expenses associated with it occurs. This can be done by purchasing insurance for your car. There are many useful features in insurance apart from financial assistance. One such feature is roadside assistance. Here is more information related to this feature for your understanding.
Car insurance is a general insurance policy which is designed to provide financial coverage to you and your car from accidents. There are two types of insurance for cars: third-party plans and comprehensive plans. Third-party insurance is mandatory for each vehicle as per the Motor Vehicles Act of 1988. Without this insurance, your car is not eligible to be driven on Indian roads. This policy covers the costs of damage and injuries caused to third-party property and persons. Thus, if a person is injured/ passes away due to an accident, the policy covers those medical and legal costs too. * The comprehensive insurance covers the cost of damages caused to your car and third-party liabilities. There are various features provided in comprehensive motor insurance which are not present in third-party insurance. However, due to the increased coverage, it costs more than third-party policies. It is important you read the policy document carefully to know about the features, inclusions, and exclusions. You can compare and check car insurance online to select the one that suits your requirements. Also Read: The Add-On Coverages in Car Insurance: Complete Guide
Roadside assistance (RSA) is a feature that is offered in car insurance by the insurer. As the name suggests, this feature provides you with roadside assistance if your car suddenly stops working while in the middle of the road. Once you intimate your insurer, assistance is provided by way of technician support or repairs to your vehicle. This feature is available only in a comprehensive car insurance. Do keep in mind that this feature is offered as an add-on and is not present in the standard comprehensive policy.
Listed below are the inclusions of roadside assistance:
If your car is broken down due to a mechanical or electrical failure, free towing service is provided. Your car will be towed to the nearest network garage for further inspection and repair.
If your car runs out of fuel in the middle of the road, you would be provided with a fuel refill. Do keep in mind that only a limited quantity of fuel is provided by the insurance company specified in the policy terms.
If your car’s tyre(s) get deflated, they would get refilled. If the tyre were to get punctured, a spare tyre would be provided to you.
If your battery discharges, the RSA facility will help you jump-start your vehicle and even charge your battery on the spot.
If for some reason your keys are misplaced or get damaged, you would be provided with a spare key for temporary use. *Standard T&C apply
Listed below are the exclusions of this feature:
You should remember the following things before planning a long trip:
Also Read: Important Factors of Car Insurance Claim Settlement Ratio
These are the inclusions and exclusions of a roadside assistance cover. If you wish to purchase car insurance to avail of this feature, you can use the car insurance premium calculator to check the price for your policy. Also Read: Car Accident Insurance Claim Process Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale. *Standard T&C apply
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