Roadside Assistance: How Car Insurance Add-on Cover Works

24x7 Car Roadside Assistance Add-on - While driving your car, any unforeseen event can intercept you on the roads. It can be a road accident that damages your car, or it can be a mechanical breakdown or failure in the vehicle. This can be terrifying as you get stranded in the middle of an unknown place that has no instant access to a garage or mechanic.

In such a crisis situation, car insurance with roadside assistance cover or RSA can retrieve you in the hour of need by providing immediate help to manage the adverse episode.

What All Does Roadside Assistance Add-on Cover?

It is an add-on coverage that can be bundled into your comprehensive car insurance policy, but you require to pay additional charges for its premium. However, if the car insurance policy does provide this coverage, then you can include it without taking any unnecessary hassles. Below are some of the vital conditions of when you can get services from roadside assistance coverage.

1. On Spot Repairing

Your car can get a sudden mechanical or electrical breakdown on the roads. At times like this, your car insurance company provides you with immediate repair services. The insurance company will assign a mechanic to fix your damages.

2. Emergency Towing Assistance

This facility serves you when your car gets a breakdown or damage in the middle of a road, and you are unable to move it. Here the insurance company arranges for a towing service that carries your car to the nearest network garage. Typically, this assistance is free up to 50 kilometres, and alternatively, it can vary from an insurance company to another.

3. Emergency Fuel Delivery

Owing to a breakdown or accident your car can run short of fuel and it can be frustrating to get stranded in a road. You can get assistance from RSA at such times as it refuels your car up to 5 litres on the spot. Though you will be charged for the fuel, and there are certain limits on this particular service in your policy term.

4. Vehicle Key Services

Emergency incidents can be of different types, and this can be related to the loss or misplacement of the keys of your car. Either, it can get completely lost, or it can be left inside the car. In both cases, you can call your insurance company and it will arrange a technician to unlock the doors or can fetch and send the spare keys from your home. This can be possible only if you are in the same city.

5. Driver Disability

This service is provided when your car hit with an accident on the roads, and you require emergency medical coordination. The insurance company will arrange for a driver who can relocate you to the nearest medical clinic. The coverage is generally free up to 50 kilometres.

6. Shipment Of Spare Parts

Sometimes, certain parts of your car get damaged due to a car accident or breakdown. In situations like this, the car insurance company arranges for the shipment of the spare parts to the incident location. The charges for the spare parts, in that case, have to be paid by the car owner.

7. Accommodation Arrangement

Inevitable accidents or breakdown can severely damage the car for which the repair and servicing might require a day. In the unknown destinations, your insurance company will arrange a room for your accommodation. The charges or rent of the accommodation is, however, required to be paid by the car owner in such situations.

8. Travel Assistance

When your car is undergoing a repair, and it sometimes requires then you can ask your insurance company to arrange for an alternative vehicle or cab so that you can reach your destination. This facility is provided only for one time travelling to that location.

9. Flat Tyre Service

After an accident or breakdown, the car tyres could get flat, and you are unable to change it or do so with the aid of your toolbox. By opting for the help of the insurance company, you can arrange a technician who will change and fix the punctured tyre in the accident spot.

If you wish to take add-on services from your insurance company, then it is better to get coverage under roadside assistance services. It will keep all your on-road crisis worries at bay. Most of the insurance companies have a different department and customer support team allocated for roadside assistance coverage. Before getting this feature in your comprehensive car insurance plan, check all the parameters as they can vary slightly from one insurance company to another insurance company. Once you face any emergencies on the roads immediately call your insurance company to get all the necessary help in time.

Also Read

What is Car Insurance Engine Protection Add-on?

Everything You Need To Know About Car Insurance Claim Inspection

Disclaimer: This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.