Roadside Assistance in Car Insurance | Finserv MARKETS

Roadside Assistance in Car Insurance

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What is Roadside Assistance Cover?

For many, buying car insurance may seem like a waste of money, especially if you are a good driver and self drive the vehicle, thereby reducing the likelihood of a road accident or theft. Car insurance cover offers value add benefits for emergencies such as 24 hour roadside assistance. In case of a mechanical breakdown or accident, you can contact your insurer to provide support to jumpstart your vehicle, tyre change, provide emergency fuel, etc.

What is Covered by Road Assistance?

Road Assistance is an add-on feature and in some insurance plans it is even introduced as an in-built feature to help customers in case they are stranded due to a mechanical breakdown of the car. Roadside assistance covers the following incidents:

  • Battery Breakdown

In case the battery needs a recharge, the road assistance feature entitles you to request a car mechanic to jumpstart the battery.

  • Repair

Basic repairs such as flat tyre, engine trouble, etc. can be dealt with swiftly if a car mechanic attends to it. With road assistance, car mechanics who can attend to minor repairs are available on-call 24x7.

  • Towing Service

If the car is in a state of complete breakdown and requires to be towed and fixed in a repair shop or service centre, a tow service can be requested through the road assistance feature.

  • Keys

Many times, car owners find themselves locked out of their vehicles. Roadside assistance can send someone to unlock the vehicle, so the keys can be accessed.

  • Fuel

In case you run out of fuel, roadside assistance enables you to request a refuelling service.

Certain plans go a step ahead and also offer benefits like:

  • Accommodation

If repair work is going to take time, and you are far away from your destination, roadside assistance even covers hotel costs for the night.

  • Transport

Alternate transport is provided in case your vehicle is towed away, and you have no other means of public or private transport.

  • Phone Assistance

In the event of a minor breakdown or car trouble, roadside assistance offers a phone consultation with a car mechanic to evaluate the problem and fix it by guiding the driver on what needs to be done. This helps save precious time.

Why Should You Buy this Cover?

  • Emergencies

A car breakdown and being stranded in the middle of nowhere qualifies as an emergency. Road assistance is extremely useful for long distance drivers. Even if you experience a breakdown in the middle of the city, having a single point of contact every time your car breaks down can prove to be very helpful.

  • Reduces Stress

When you know you have roadside assistance as part of your car insurance, you need not worry about who you will call or how long it will take to fix your car. Through phone or in person assistance, your car will be taken care of. If your plan offers alternate accommodation and transport, even better.

  • Saves Time

If your car breaks down, it is impossible to leave the vehicle unmanned and carry on with your day. Trying to get in touch with a tow service or a mechanic and explain your issue can be time-consuming. Having road assistance on demand will save you time and effort in dealing with any unexpected breakdowns of your car.

How to Buy Roadside Assistance Cover?

Roadside assistance cover either comes as an add-on or as part of an insurance plan. In case it comes as an add-on - a small premium payable will entitle you to roadside assistance cover. Basic car insurance policies need to be topped up with features that may be relevant to your situation, and roadside assistance is a feature that benefits all car owners, regardless of the model, make or value of the car.

It is important to note that roadside assistance makes it possible to access certain types of services, but it does not pay for them. For example, in case of a mechanical failure of your vehicle, the cost of servicing or changing parts will be borne by the car owner. If fuel runs out, the fuel delivery service will be covered but the cost of fuel must be borne by the car owner.

Conclusion

While some may argue that options cause a choice overload and make it difficult to select the right product or service for you, we believe choices are always a good thing. Platforms like Finserv MARKETS are built to allow you to choose from a variety of car insurance plans and pick add on features and benefits for enhanced coverage. Pick the right car insurance plan for yourself on Finserv MARKETS for a smooth customer experience.

FAQs on Roadside Assistance in Car Insurance

  • ✔️What does "roadside assistance" imply?

    Your car insurance plan's Roadside Assistance Cover is an optional coverage that functions as your most trusted buddy when your vehicle breaks down. In other words, Roadside Assistance Coverage means that if your car breaks down in the middle of a trip and leaves you stranded, a skilled expert will come to your rescue.

  • ✔️What is the best way to tell if I have roadside assistance?

    Look for information on a roadside assistance service in those documents. If you don't have the booklet, just call the number on the back of your card and ask about it. These materials may also be found on the website of your card issuer.

  • ✔️Is it worthwhile to purchase roadside assistance?

    It is well worth the money to get some type of roadside help coverage. If a driver's vehicle breaks down, roadside assistance gives them peace of mind.

  • ✔️Is it possible to purchase roadside separately?

    Only a few insurers allow you to purchase roadside assistance insurance on its own. As a result, you can get your basic insurance through someone else. You don't need comprehensive insurance or even any additional insurance if you buy it from one of these companies.

  • ✔️Is third-party auto insurance a smart idea?

    Third-party auto insurance protects the car owner financially from third-party claims arising from death, physical injury, or property damage caused by an accident. Furthermore, in order to drive a car on public roads, you must have this insurance.