Roadside Assistance in Car Insurance

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:

• 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 authorised service centre.

• 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 kilometres from your place of residence.

• Minor Repairs

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.

• 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 has broken down.

• 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 or drained battery, the insurer will make alternative arrangements to repair or replace the battery.

• Taxi Benefits

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 get free legal advice from a legal advisor over the phone.

• Breakdown Support 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.

• 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.

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!