Understand Roadside Assistance Cover In Car Insurance

Car insurance add-ons are additional covers meant to offer you enhanced coverage against the loss and damage sustained by your car due to an accident, fire, theft, or any other mishap. To avail this extra coverage, you are required to pay for a little more premium. The add-on benefits can be utilised only with standalone own-damage or comprehensive policies.

The different add-ons have different significance. Some of the add-ons help you in terms of money after the accident or any mishap, while some come up with the aid in the form of a service such as Roadside Assistance add-on. With this add-on cover you can gain emergency support right at the spot.

What is Roadside Assistance Add-on Cover?

The road is full of uncertainties. After facing an unfortunate event, an aid seems like a boon when you are feeling stranded and helpless in the middle of the road. Therefore, roadside assistance is a cover designed to arrange and provide a helping hand directly at the place the car has broken down, met with an accident or collapsed due to any other mishap. This emergency assistance brings immediate relief for the owner of the car.

What Is Covered Under the Roadside Assistance Cover?

If you hold the road assistance cover and get into any trouble anywhere with your car, you can ask for assistance by reporting the incident to your insurer through a phone call or a message.

Here are the following situations where roadside assistance add-on in car insurance helps you:

1. Emergency towing assistance - In case of an accident, the insurer will arrange assistance to tow your car to the nearby garage.

2. Mechanical breakdown - If your car breaks down on the road or at home, the insurer will send a mechanic at the site to help you with a jump-start, mechanical or electrical repair and so on.

3. Flat tyre service -The insurer will arrange a technician to reach the spot and change the punctured tyre.

4. Fuel delivery - If your car runs out of fuel anywhere, with this add-on you will be provided with up to 5 litres of fuel at your spot.

5. Spare key service - If accidentally you leave your keys inside the car and lock yourself out of your car or have lost your car key, with this cover you can get your spare key delivered at the spot. This service is offered under this add-on cover only by a few insurers. Other insurance providers offer this service under a separate add-on called Key Replacement Cover.

7. Alternate vehicle - If your car couldn’t get a repair in a short time, the insurer will get you a cab or taxi to one destination only.

8. Accommodation - If your car repair looks to take too much time, the insurer will arrange accommodation for you in a nearby hotel. However, its charges will have to be paid by you only.

Also Read

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Take Away

Accidents and unfortunate events can happen anytime and anywhere. You cannot evade them, but can prepare for them. Investing a little more by adding the roadside assistance add-on to your car insurance plan can protect you from several situations mentioned above. Go through the coverage of this add-on and avail it for yourself in the best manner.

Add-ons For Your Car Insurance Policy

  • Zero Depreciation

    A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreciated value of a car is deducted from the claim amount. However, by opting for a zero depreciation add-on you can shift the liability of the depreciation cost to the insurer and get the entire claim amount without any deduction of the depreciation sum. This add-on is generally available till the age of 5 years of car, however, the car age limit varies from insurer to insurer.

  • NCB Cover

    A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance policy holder for not making a claim in the entire tenure of the four wheeler insurance policy. This discount is not available if the policy holder has made even a single claim. However, with the NCB cover, a policyholder will be entitled to receive an NCB discount despite having made a claim subject terms and conditions of insurance company. The NCB discount keeps on increasing with every claim-free year until it reaches 50%.

  • Engine Protection Cover

    A car's engine is by default not covered under either a comprehensive or a standalone own-damage car insurance policy. And therefore, if it gets damaged due water-logging or oil leakage, your insurance company is not liable to pay for its damages. But, if you opt for the add-on known as Engine Cover, you can get your car's engine insured by the insurer for damages incurred due to water ingression as well as leakage of lubricants. Engine Cover is one of the most popular car insurance add-ons and is available against the payment of a nominal premium.

  • Invoice Cover

    If you have a return to invoice cover added on to your comprehensive car insurance policy, you can claim the total ex-showroom price of your four wheeler, taxes and registration charges, in case of total loss. In case of total constructive loss (more than 70% of damage) or theft of your car, an insurance company pays the Insured Declared Value (IDV) of your car as compensation. However, this IDV is lesser than the actual amount paid by you at the time of purchasing your car. When you opt for the add-on called Return To Invoice Cover with your car insurance policy, the insurance company pays the total ex-showroom price of your car plus the taxes and registration charges incurred at the time of purchase, as the claim amount in case of total loss.

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