Roadside assistance coverage is an optional addition to your vehicle insurance plan and serves as your most reliable ally if your car experiences mechanical difficulties. To put it another way, having roadside assistance coverage ensures that a qualified mechanic will come to your aid if your vehicle experiences a breakdown in the middle of your trip, leaving you stranded.
It is an optional coverage that is included in virtually all types of automobile insurance policies and comes with a variety of advantages, both in insurance and vehicle insurance claim process including the following:
- Repairs of a minor nature:
If the policyholder experiences an issue that may be resolved over the phone, they will receive assistance. Sometimes, insignificant problems will force the vehicle to come to a halt. If the driver is guided correctly, they can handle these problems independently.
- Towing service:
Suppose the vehicle cannot move due to a problem with its mechanical or electrical components. In that case, the appropriate arrangements are made for the car to be towed to the closest garage.
- Battery failure:
If the car cannot move because the battery has died and requires a jumpstart, a mechanic will be dispatched to the scene to start the motor vehicle using the proper tools.
- Flat tyre:
Should the tyre become flat, and you are unable to change it yourself or do not have a spare tyre, a mechanic will be dispatched to your location to replace the flat tyre.
- Spare keys:
Another common issue is when the driver misplaces the key or the key stops functioning correctly. In each scenario, the service provider will dispatch an agent to travel to your property to retrieve the keys on your behalf
- Fuel delivery:
When you find yourself without fuel, try not to freak out. You will receive assistance from the roadside assistance cover if you need it. One may be required to pay for fuel delivery to the location.
Arrangements are made for lodging if the vehicle’s owner desires to stay in the area of the repair shop. In contrast, their vehicle is being serviced, and the insurance company will facilitate these accommodations.
- Travel arrangement/taxi service:
While the insured vehicle is being repaired, the policyholder can use taxi services to get to and from his place of business or residence. On the other hand, this facility is only made available to a single location.
Insurance firms collaborate with a group of reputable organisations to form a network that offers roadside assistance services. The aid provider dispatched to provide for your needs is chosen, considering location, vehicle, and other aspects of the situation.
This car insurance add-on cover is helpful since it can save* you significant money on service fees if certain conditions are met. These conditions include the car’s age, commuting range, and convenience.
The price range for the add-on is determined by the roadside assistance plan that the customer chooses, which caps the total number of services provided and the size of the geographical area covered.
‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply