What is 24x7 Car Roadside Assistance?
Getting a flat tyre or being stranded on the side of the road due to your car breaking down can be no less than a nightmare. Whether your car breaks 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 added car roadside assistance cover to your car insurance plan, you must do so as 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. However, there are also a few insurers who offer it as an add-on cover to enhance the coverage of the existing car insurance plan. As an add-on cover, it gives you the liberty to choose whether or not to add it to the policy.
How Does Roadside Assistance Work?
Utilising the car roadside assistance facility in car insurance is quite simple. All you need to do is call your insurer for help, and they will send across a crew to your rescue in no time. Usually, all car insurance with roadside assistance services are free, but you may have to bear the expense from your pocket in some exceptional cases.
For instance, if you run out of fuel and need refuelling, you will have to pay for it. You can also avail a taxi or 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 all the relevant details about the on-road car breakdown service cover with your insurance provider before signing the deal and make sure all the features you need are included in the plan.
What is Covered Under Car Roadside Assistance Cover?
Here are some of the key benefits provided under the vehicle breakdown service cover:
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 authorised service centre under the car roadside assistance cover.
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 kilometres from your place of residence.
The insurance company will also provide minor repairing services that can be carried out on the spot to get your car back in working condition.
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.
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 has broken down.
A roadside assistance cover will arrange for fuel delivery to your mentioned location if your car happens to run out of fuel.
If your car suffers a breakdown due to a flat battery or drained battery, the insurer will make alternative arrangements to repair or replace the battery.
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.
In the event of an accident, you can avail free legal advice from a legal advisor over the phone.
Breakdown Support Over the Phone
In the case of minor mechanical errors, you can avail free telephonic car breakdown assistance. You can, thereby, fix the minor problems on your own with help from a mechanic on call.
What’s Not Covered Under Roadside Assistance Cover?
There is also a list of car roadside assistance exclusions that you need to be aware of. If your car breaks down under any of these excluded conditions, the insurance company will not be liable to provide you with any car breakdown service or roadside assistance. You cannot avail the benefits of vehicle breakdown service cover in case of the following exclusions:
If the car breakdown happened due to heavy luggage that was insufficiently packed, fragile luggage, perishable goods, or goods used for commercial purposes.
It does not cover animals carried in the vehicle.
Refusing to pay for the additional roadside assistance rider will disqualify your car, and you can no longer avail the benefits of car roadside assistance in the future.
Vehicles older than 10 years cannot avail car breakdown service.
Vehicles falling under the following category are excluded from the 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)
Who Should Opt for Car Roadside Assistance?
People Who Travel Frequently
People who often travel long distances in their car are at an increased risk of their car breaking down in remote areas. Having on-road car roadside assistance can be extremely helpful if you are a frequent traveller who travels through remote regions.
Individuals With a New Car
If you have a car that is brand new or less than 5 years old, you should consider getting a roadside assistance cover. This will ensure that your car stays in pristine condition and gets the required help even in the most inaccessible areas.
People Who Require Repair Assistance
If you are not fully familiar with the mechanical workings of a car, you may end up with a problem if your car breaks down in the middle of nowhere. In such a situation, you might find an emergency car breakdown service near you to be beyond helpful.
A Final Thought
When your car breaks down in the middle of nowhere, getting it back on the road by yourself can be quite an ordeal and at times, impossible. An option like a ‘car roadside assistance near me’ can come in handy during unavoidable vehicle breakdown situations. You can apply for this cover along with a basic car insurance plan on Bajaj MARKETS and enjoy long drives with complete peace of mind!
Along with 24×7 assistance, you can also benefit from features like cashless claims, swift claim settlement process, and much more. Apart from roadside assistance, zero depreciation car insurance is another add-on cover you should consider getting if your car is brand new. Browse through car insurance plans on Bajaj MARKETS right away!