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Getting a flat tyre or being stranded on the side of the road due to your car breaking down can be very troublesome. Whether your car breaks down due to a flat tyre, electrical fault or a mechanical defect, a roadside assistance add-on will ensure that help reaches you on time. 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.
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 get 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.
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.
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 get free legal advice from a legal advisor over the phone.
In the case of minor mechanical errors, you can request for free telephonic car breakdown assistance. You can, thereby, fix the minor problems on your own with help from a mechanic on call.
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 get 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 access the benefits of car roadside assistance in the future
Vehicles older than 10 years cannot get 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 2.5m x 2.5m x 5.1m (height x width x length)
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.
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.
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.
The roadside assistance cover has certain features that can help you greatly in case of an emergency. Those features are as follows.
If your car breaks down and you need to be transported to the closest garage or a place of accommodation, this add-on can help you get cab services for the same.
Even though this add-on is part of your car insurance coverage, using it is not considered a claim. Hence, you NCB remains unscathed.
A few minute repairs could be done by you with your own tool box or glove box apparatus. A call with a repairs expert can be arranged where you could get instructions on fixing your own broken down vehicle.
Your vehicle could break down many miles away from home. Hence, you can request accommodation services while your car is being repaired.
By adding a nominal amount to your premium, you can get this add-on for your private car. With the special terms and conditions given below, you can understand how this add-on works for private vehicles.
As per the local rules and regulations, the insurer will provide you with roadside assistance
Your no-claim bonus calculations will not be affected by RSA claims
Your car insurance plan needs to be active and valid during RSA claims
If any service cannot be provided under this add-on, the insurer will propose a reimbursement alternative as per the coverage limit
When it comes to commercial vehicles, the terms, conditions and pricing of this add-on may vary. Hence, here’s better clarity for you on this subject.
Just like the case of private vehicles, the services offered will depend heavily on local regulations
This will not affect your NCB
Your four-wheeler insurance should be active for you to claim this benefit
Reimbursement alternatives will be set forth if services cannot be accessed or provided
Such coverage is accessible only in mainland India
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 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!
No. Commercial vehicles/cabs/taxis are excluded from the car roadside assistance service.
Your vehicle cannot be more than 10 years old when buying car roadside assistance.
If the crew are unable to repair your car on the spot, it will be towed and taken to the nearest network garage for servicing. However, there may be some exceptions where the insurance company will not be liable to repair or tow your car.
Buying car roadside assistance allows you to access repair, transport and towing services in case your car breaks down in the middle of the road. You can access this facility in case of:
Key related issues
Fuel related issues
Battery related issues
Tyre related issues
Yes, you can buy a car roadside assistance policy online. You can either buy a comprehensive car insurance plan that has roadside assistance included or as a separate add-on cover.
Yes, some insurers offer this benefit as part of their comprehensive car insurance policy.
You will have the option to cancel your roadside assistance add-on cover at the time of renewing your plan or switching insurers.
This cover comes at a very nominal cost. It provides you with crucial emergency services as soon as possible. Hence, with both sides weighing in your favour, this add-on is worth it.
Unfortunately, that is not possible. You can include this add-on to comprehensive and standalone own-damage car insurance only.
Most insurers offer 24/7 RSA coverage. However, it is always wise to clear this doubt with your insurer before you purchase this add-on.
No, it will not. Claiming the services offered under this add-on will not impact your no-claim bonus.
This cover can offer you assistance when it comes to spare keys as well. Hence, if you lose your keys and are locked out of your car, you can inform your insurer. Help will be on its way.