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  • Roadside Assistance Cover in Car Insurance

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    It is natural for a machine like car to have flat tyres, battery problem or any sort of mechanical problem, it can cause a disturbance in your journey. And if it has happened in the middle of nowhere, then getting a help or a mechanic to repair is just too difficult. But if you have this cover or you are familiar with roadside assistance, here is all you have to know.

    Roadside assistance service is available as a part of the basic comprehensive policy by some insurers while others offer it as an optional or add-on cover along with the basic policy. The insurance company will offer emergency services immediately on intimation in situations like puncture, battery leakage, towing service, empty fuel tank, etc.

    Roadside assistance cover:

    It covers the following:

    • Towing services
    • Spare key adjustment
    • Telephone assistance
    • Refueling
    • Minor repairs
    • Alternate transport accommodation
    • Battery jump start

    If you are traveling somewhere out of the city and suddenly the car encounters a problem, then call the insurer immediately to avail the assistance. The insurer will have networks with various garages or have outlets of its own in many locations to tackle such situations. On intimation the insurer will send help immediately of what you request of from the above.

    There are few factors to consider before buying this as an optional cover:

    • The age of the car is one of the main factors to opt for this service if not available in the basic policy. As the car ages, the chances of a mechanical or engine problem is higher when you particularly take the vehicle on a long drive. That is why most insurers do not offer this service for car aged more than 5 years. And if they did offer the annual charges keep increasing every year.
    • Every insurers offer a particular number of roadside assistance service per year. So it is advised that you check for the higher number of service before availing it. However, if you are thinking of going on a long trip, then it is better to get the vehicle checked for vital components.
    • The plan price is mainly based on the age of the car, the number of services you opt for and for the type of route you may want the service for. If you are opting only for city limited services, the cost would be lesser than if you had chosen both city plus highway services. There is no standard price fixed by the IRDA for this, and it depends solely on the insurer. So before you choose one, make sure you have thought it through.

    Roadside assistance is an essential cover that every car owner has to buy to get immediate help from insurer in emergency situations. If it is available with the comprehensive policy then there is no need to buy it separately, else you should consider buying it as a standalone policy. Getting your car serviced regularly and getting it checked by the dealer before going on long trips would be advisable to avoid such breakdowns.