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Car Roadside Assistance - 24x7 Breakdown Service in Car Insurance

By Finserv MARKETS - Jan 31,2019
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What is car breakdown service in insurance

Nothing says “Bad Day” quite like getting a flat tire or being stranded on the side of the road due to a car breakdown. If your car breaks down unexpectedly, getting it back on the road by yourself can be quite an ordeal and at times impossible.

However, if you have a roadside assistance add-on cover as a part of your car insurance policy, you never have to worry about such situations again.

What Is Car Roadside Assistance?

Whether your car broke down due to a flat tyre, electrical fault or a mechanical defect, a roadside assistance add-on cover will ensure that help reaches you on time wherever you are. In case you have not enhanced your car insurance benefits, it is prudent to opt for roadside assistance in India.

Some insurers offer this benefit as an inherent part of the comprehensive car insurance plan. But there are also a few insurers that offer it as an add-on cover to enhance the coverage of the existing car insurance plan. As an add-on cover, it gives your customers the liberty to choose whether or not to add it to the policy.

10 Benefits of Breakdown Service in Car Insurance

Here are some of the most important benefits provided under a roadside assistance plan –

  • Towing

In case your car suffers a major breakdown, the insurance company will arrange for a towing service to deliver your vehicle to the nearest network garage or authorized service center under the roadside assistance cover.

  • Accommodation Benefits

If your car breaks down or meets with an accident, the insurance company will cover the cost of accommodation for one day, provided the event has occurred beyond 100 kilometers from your place of residence.

  • Minor repairs

It also provides minor repairing services that can be carried out on the spot to get your car going.

  • Flat Tyre

If your car suffers a flat tyre while you are on the road, the roadside assistance add-on cover will help arrange for a tyre replacement.

  • Spare Keys Assistance

If you happen to lose your keys accidentally or they get stolen, the insurance company will arrange for the pickup and delivery of spare keys to the spot where your car is located.

  • Emergency Fuel

A roadside assistance cover will arrange for fuel delivery to your mentioned location if your car happens to run out of fuel.

  • Flat Battery

If your car suffers a breakdown due to a flat battery, the insurer will make alternative arrangements to make your car mobile again.

  • Taxi Benefits

In the event of an accident or breakdown, a roadside assistance cover will help arrange free travel for all the occupants of your car to a single destination within a vicinity of 40 kilometres from the spot of breakdown/accident.

  • Legal Advice

In the event of an accident, you can avail free legal advice from a legal advisor over the phone.

  • Breakdown Support Over the Phone

If your car breaks down due to minor mechanical errors, you can avail free telephonic assistance and fix the minor problems then and there.

Exclusions in the Car Roadside Assistance

You cannot avail the benefits of car roadside assistance in case of the following scenarios –

  • The breakdown occurred due to heavy luggage that was insufficiently packed, fragile luggage, perishable goods, or goods used for commercial purpose
  • It does not cover animals carried in the vehicle
  • Refusing to pay for the chargeable service will disqualify your car and you no can avail the benefits of car roadside assistance in the future
  • Vehicles older than 10 years cannot avail car roadside assistance
  • Vehicles falling under the following category cannot avail this service –
    • Cars used for hire and reward purposes
    • Cars used for transportation of goods and other products
    • Cars with more or less than four wheels
    • Cars that are not powered by an internal combustion engine
    • Cars that weigh more than 3500 kgs
    • Cars with dimensions greater than 2.5 m x 2.5 m x 5.1 m (height x width x length)

Factors to Consider When Opting For Roadside Assistance with Car Insurance

To know whether the car roadside assistance is beneficial, consider the following factors:

  • Age of the car

If your vehicle belongs to the new range of car models, you can pass on this add-on benefit since your car will be functioning well.

Moreover, your regular car insurance plan will come along with emergency roadside assistance, which is complimentary for the first few years. But for those with an older car, a valid add on cover will be a better investment towards the maintenance of your vehicle.

  • Commute and Distance

Another factor that needs to be taken into consideration is the distance of your daily commute. If you travel short distances (mainly within the city or your area), then you can simply call up for maintenance service or minor issues.

However, for those travelling long distances (mainly frequent inter-city commute), it is better to have a professional network to call and manage your issues in need of the hour.

  • Convenience

If convenience is your primary concern, then you must definitely opt for a roadside assistance cover with your basic car policy. It saves you the trouble of locating and contacting the nearest available maintenance services by sending professional help whenever and wherever needed. Moreover, this kind of facility comes in handy during odd hours and inclement weather conditions.

So the next time you buy or renew car insurance online, opt for a roadside assistance cover to enhance your protection and benefits.

How Does Roadside Assistance Work?

Utilizing this facility is quite simple. All you have to do is call your insurer for help, and they will send across a crew for your rescue in no time. Usually, all services are free, but in some exceptional cases, you may have to bear the expense from your pocket.

For instance, if you run out of fuel and need refueling, then you will have to pay for it. You can also avail taxi and accommodation services if required. This kind of facility comes in handy during monsoons, since the chances of a breakdown are higher.

However, you must check with your provider before signing the deal regarding the facilities provided under roadside assistance with your car insurance plan.

A Final Thought

Unfortunate events take place anytime and anywhere, without prior warning. Thus, roadside assistance is a crucial aspect that can come in handy during such situations.

You can apply for this cover along with a basic car insurance plan and enjoy long drives with complete peace of mind! Along with 24×7 assistance, you can also benefit from features like cashless claims, hassle-free renewals, swift claim settlement process, and much more.

So, why wait? Get car insurance at Finserv MARKETS, right away!

Apart from roadside assistance, zero depreciation car insurance is another add on cover you must read about before buying a policy.

FAQs

Q: Can I buy the car roadside assistance cover for my commercial vehicle/taxi?

A: No. Commercial vehicles/cabs/ taxis cannot avail the car roadside assistance facility.

Q: What age should my vehicle be when seeking car roadside assistance?

A: Your vehicle cannot be more than 10 years old when buying car roadside assistance.

Q: Will my car be towed in all kinds of breakdowns?

A: If we are unable to repair your car on the spot, it will be towed and taken to the nearest network garage for servicing.

Q: What is covered under the car roadside assistance facility?

A: Buying car roadside assistance allows you to avail exclusive repair services in case your car breaks down in the middle of the road. You can avail this facility in case of –

  • Accidents
  • Electrical/ mechanical breakdown
  • Key related issues
  • Fuel related issues
  • Battery related issues
  • Tyre related issues

This assistance will be provided in areas where our services are functional and a technician can easily reach.

“Finserv MARKETS, a subsidiary of Bajaj Finserv, is a one-stop digital marketplace that has been created for consumers on the go. It offers 500+ financial and lifestyle products, all at one place. At Finserv MARKETS, we understand that every individual is different. And that’s why we have invested in creating a proposition – Offers You Value. A value proposition that ensures you get offers which are tailor made for you. We also offer an amazing product range and unique set of online offers across Loans, Insurance, Investment, Payments and an exclusive EMI store. Be it in helping you achieve your financial life goals or offering you the latest gadgets, we strive to offer what you are looking for. From simple and fast loan application processes to seamless and hassle-free claim-settlements, from no cost EMIs to 4 hours product delivery, we works towards fulfilling all your personal and financial needs. What’s more! Now enjoy the same benefits in just one click with our Finserv MARKETS App.”

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Bajaj Finserv Direct Limited ("BFDL"), erstwhile Bajaj Financial Holdings Limited is a registered corporate agent of Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz General Insurance Company Limited under the IRDAI composite registration number CA0551 valid till 10-Apr-2021. BFDL also renders services to Bajaj Finance Limited (‘BFL’) and Bajaj Housing Finance Limited (‘BHFL’) (referred hereinafter as ‘Lending Partner’) in sourcing of customers, providing preliminary credit support activities, fulfilment services and post-acquisition customer services related to lending business. Registered Office: Bajaj Auto Limited Complex, Mumbai – Pune Road, Akurdi, Pune – 411 035 CIN: U65923PN2014PLC150522