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A Roadside Assistance cover can be of great help, in case your car has a breakdown or encounters a major snag on the road. After all, being stranded in the middle of nowhere is frustrating. That’s when 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 additional premium. *
Roadside assistance is an add-on feature that can be included in a car insurance policy. It provides drivers with access to emergency services in the event of a breakdown or other mishap while driving on the road.
Typically, 24X7 roadside assistance can cover a wide range of services, including battery jump-starts, tyre changes, fuel delivery, and towing. Some policies may also offer additional services like lockout assistance, emergency accommodation or travel expenses in case your car cannot be fixed within the same day. *
Roadside assistance can be a valuable add-on to your car insurance policy, as it can helps you save time and money in the event of a breakdown. Without it, drivers may find themselves stranded on the road, incurring expensive towing fees, or worse, putting themselves in danger by trying to fix the car themselves. *
It’s worth noting that different insurance companies may offer different types of roadside assistance coverage, so it’s important to carefully review the policy details before purchasing. Insurance companies, generally, offer roadside assistance as a standalone service, which can be a convenient option for those who don’t want to add it to their car insurance policy.
Situations wherein a Roadside Assistance Cover would kick into effect include:
The insurance provider would arrange for a mechanic to carry out necessary repairs if your car suffers a major mechanical or electrical breakdown in the middle of nowhere. *
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. *
In case you are on tour, your insurer would arrange for the repaired car to be delivered to your residence. *
In some cases, the insurer would help you get in touch with your family members and relay messages urgently. *
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. *
If you’re looking for peace of mind while driving, adding roadside assistance to your car insurance policy is a great option. With this coverage, you can rest assured that you’ll have access to help in the event of a breakdown or emergency situation. This can be particularly beneficial for those who often travel long distances or to remote areas. *
Roadside assistance can also save you time and money. Without it, you may be forced to pay for expensive towing fees or wait for hours on the side of the road for someone to come and help. With roadside assistance, you can quickly and easily access the help you need to get back on the road. *
Moreover, roadside assistance can provide additional services such as lockout assistance, emergency accommodation, or travel expenses if your car cannot be fixed within the same day. This can be especially helpful if you’re far from home and need help finding a place to stay or getting to your destination. Overall, adding the 24X7 roadside assistance to your car insurance policy can provide essential support in unexpected situations. *
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:
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. *
If you like to travel in your car for long distance trips frequently, you can certainly do with a Roadside Assistance cover. With a Roadside Assistance cover, you need not worry about a breakdown the next time you have a long road trip in mind. *
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No, generally speaking, using roadside assistance does not count as a claim on your car insurance policy. The 24X7 roadside assistance is considered a service provided by your insurance company to help you in case of a breakdown or other emergency situation while driving. It is not considered a claim because you are not making a request for financial reimbursement for any damages to your vehicle.
However, it’s important to review your specific insurance policy, as there may be some variations depending on your coverage and the terms of your policy. *
Yes, tyre-related issues are commonly covered under 24X7 roadside assistance cover. This can include services such as changing a flat tyre or providing a spare tyre in case of a puncture.
Depending on the terms of your policy, some policies may have limitations on the number of times you can use roadside assistance for tyre-related issues per year, or may only cover certain types of tyre problems. It’s also worth noting that if your tyres require replacement due to wear and tear or damage beyond repair, this may not be covered by roadside assistance cover and may require a separate claim under your car insurance policy.
Overall, if you’re unsure about whether your car insurance policy covers tyre-related issues under roadside assistance, it’s best to review the policy details or contact your insurance provider for more information. *
No, typically using roadside cover will not cause your insurance premiums to increase. This is because roadside assistance is generally considered a separate service provided by your insurance company and is not related to the factors that affect your premiums, such as driving history or past claims.
However, it’s important to note that if you make a claim under your car insurance policy, such as for damage resulting from an accident, this could cause your premiums to increase. *
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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