What is Roadside Assistance Cover?
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:
In case the battery needs a recharge, the road assistance feature entitles you to request a car mechanic to jumpstart the battery.
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.
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.
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.
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:
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.
Alternate transport is provided in case your vehicle is towed away, and you have no other means of public or private transport.
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?
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.
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.
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.
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