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Outstation Emergency Coverage in Car Insurance: Everything You Need to Know

Written by Saad Ahmad
Updated On Oct 18, 20232 min read

Outstation Emergency Coverage in Car Insurance: Everything You Need to Know

A road journey is usually a thrilling and enjoyable experience. It might assist you in unwinding and taking a break from the monotony of daily life. However, you must constantly be prepared for all scenarios concerning your automobile, from little mishaps such as a flat tire to more catastrophic mishaps such as larger collisions. An outstation emergency cover comes in handy at that point, especially if you're traveling to a remote location.

Outstation Emergency Coverage in Car Insurance: Everything You Need to Know

What Exactly Is Outstation Emergency Coverage?

Outstation emergency coverage on your auto insurance policy, as the name implies, will cover you and your vehicle in the event of an accident or other difficulty when traveling outside of the station. Once your automobile has been repaired, the insurance provider will cover the costs incurred as a result of the collision. The coverage is given following the provisions of the original automobile insurance policy. This is quite beneficial since emergencies might result in significant expenses that are more easily reimbursed by the insurance company.

Outstation Emergency Coverage Features

Some of the most important characteristics of the outstation emergency cover are listed below.

  • With comprehensive automobile insurance policies, this add-on coverage is offered. It is not, however, accessible with third-party auto insurance.
  • It has a separate premium because it is an add-on cover that will be charged after it is purchased to be added to the standard auto insurance policy.
  • By outstation, this add-on indicates that the emergency scenario must occur outside of a 100-kilometer radius of the car's registered address.
  • The number of claims that may be filed against this add-on for the automobile insurance policy in a single financial year is restricted.
  • When a claim is filed under this policy, the No Claim Bonus (NCB) of the automobile covered is not affected, which is a significant benefit that allows you to drive without worry.
  • The validity of this add-on is generally 1 year or 3 years, depending on what the policyholder purchases.

Outstation Emergency Coverage Benefits

If an unforeseen issue occurs with your automobile while traveling outside of the city, the outstation emergency cover will help you save a large amount of money. Consider the following advantages of adding emergency help to your comprehensive vehicle insurance policy. The advantages of having outstation emergency coverage are as follows.

Journeys with No Stress

First and foremost, this coverage provides excellent peace of mind to policyholders and allows them to travel without worry. Emergency auto repairs are no longer a reason to avoid traveling on vacations because you can get them quickly with this coverage.

Repairs are Readily Available

When you're away from home and in a foreign area, finding a repair shop to service your automobile in an emergency might be challenging. You may simply have your automobile fixed at a network garage of your insurance provider if you have outstation emergency coverage. The majority of insurance companies have an adequate network of network garages.

Take Away

One of the most useful insurance policies you can get is outstation emergency protection. If you are unlucky enough to be involved in an accident while traveling, notify your insurance right away and follow the proper processes to receive the compensation you are entitled to. Typically, the automobile in question is transported to a network garage for inspection. If everything appears to be in order, your car will be fixed quickly, and you will be compensated after the bill is received by the insurance.

Also read: What Is the Difference Between Third-Party and Own-Damage Insurance?

Here Are Some Recommendations For Reducing Vehicular Emissions During The Smog Season.


This article is issued in the 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.
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Written by Saad Ahmad
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 Saad is a marketing guru and has some exciting knowledge to share about the motor and related industry. Saad in his last work with a major Indian yet global conglomerate has made direct contributions to the Insurance sector. In his free time, Saad likes to play badminton and listen to melancholic music

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