A Roadside Assistance cover can be of great help, in case your car suffers a breakdown or encounters a major snag on the road. After all, being stranded in the middle of nowhere is frustrating, and it is then the 24x7 Roadside Assistance cover assumes immense importance
While some insurance providers offer this feature as an integrated part of a standalone car insurance policy, few extend this as an add‐on feature that you can avail at your discretion, by shelling out a nominally higher premium.
Coverage under the 24x7 Roadside Assistance Cover
Circumstances wherein a Roadside Assistance Cover would kick in to effect include:
✓ Electrical/mechanical breakdown
The insurance provider would arrange for a mechanic to carry out necessary repairs if your (insured’s) car suffers a major mechanical or electrical breakdown in the middle of nowhere.
✓ Flat tyre
In this case, the insurer can help arrange a technician to repair or replace the tyre.
In case of an accident, the insurance provider would arrange for your car to be towed to a network garage.
✓ Delivery of repaired car
In case you are on tour, your insurer would arrange for the repaired car to be delivered to your residence.
✓ Urgent relay of messages
In some cases, the insurer would help you get in touch with your family members and relay messages urgently.
✓ Fuel assistance
This includes arranging up to 5 litres of fuel (expenses of which you’d have to bear) or getting your vehicle towed to the nearest garage in case of immobilization resulting from fuel getting contaminated.
Should I opt for this cover?
Whether you should consider a 24x7 Roadside Assistance Cover or not depends on your insurance objectives. Some of the factors that you can consider are:
✓ Age of the vehicle
In case your car is brand new, chances are it would be working in top shape. In such a scenario,
you can choose to not opt for this cover. Roadside Assistance Cover is usually more applicable for vehicles of older model variants.
✓ Frequency of usage and distance covered
Should you like to take your car out on long distance trips frequently, you can certainly do with a Roadside Assistance cover.
With a Roadside Assistance cover, you would no more have to worry about a breakdown the next time you have a long road trip in mind.
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