A standard car insurance policy is not designed to cover your vehicle in all unexpected scenarios. That is why add-ons are important to safeguard your finances during unanticipated times. While zero depreciation car insurance cover is one of the popular add-on covers, the need for roadside assistance add-on cannot be overlooked.
Roadside assistance is an add-on cover that provides you emergency assistance in case you are stranded on the road due to your car breaking down. It is a service in which a professional technician is sent to you so your vehicle gets repaired promptly and you can continue your journey.
Let us learn about the benefits of including this add-on to your insurance for a four-wheeler.
Benefits of Including Roadside Assistance Cover to Your Car Insurance
While there are several benefits of including roadside assistance in your four-wheeler insurance, we have listed the important ones below.
- Monetary Savings – With roadside assistance, you can save a significant amount that would be otherwise used for repair or towing expenses. You are spared from paying for a mechanic or towing truck in case of car failure, as these services fall under roadside assistance coverage.
- Peace of Mind – Once you include car roadside cover in your policy, you can drive without stress about your car breaking down and being left stranded without help.
- Flexibility – Most roadside breakdown assistance covers are designed to be flexible. You have the advantage of selecting the plan that fits well within your budget and fulfils your requirements.
- Convenience – This add-on cover is designed for your convenience, so you do not have to stress about finding a professional mechanic or towing truck when your car breaks down. Inform your insurer and help will be on its way soon.
Roadside Assistance Insurance Coverage is Recommended for
- Individuals who have to take road trips frequently for work.
- New drivers who have no idea about the different issues that a vehicle may face.
- Drivers who are unable to undertake any minor repair of their vehicle by themselves.
- Individuals whose cars are old and prone to breakdowns or failures.
Roadside Assistance in Car Policy – Inclusions
- Breakdown of the Car Battery – It is a common problem in which the car gets immobilised because of its battery being drained out. Your insurer will send a professional technician to jump-start the car’s battery so you can continue your trip.
- Flat Tyre – Another common issue is having a flat tyre while commuting, for which tyre replacement service is provided.
- Minor Repair Works – Your insurer will send a mechanic for on-site minor repair works, like minor defects, malfunctioning parts, etc.
- Towing Service – If your car breaks down or is involved in an accident, you will receive a towing service to take your vehicle to the nearest service centre or garage.
- Accommodation or Travel – If a car breakdown results in being stuck in an unknown place, you can avail of roadside breakdown cover for accommodation and travel coverage.
- Re-fueling Empty Tank – If your car runs out of fuel, roadside assistance service will come to you to refill fuel wherever you are stuck.
Roadside Assistance in Car Policy – Exclusions
- It is a Service and Not a Claim – Resorting to breakdown assistance insurance cover is not considered a claim by your insurer. However, many insurers including the TATA AIG have limitations to the number of times you can opt for this service.
- It is Offered as a Last Option – This service is provided if there is no other option left. For example, roadside assistance will not be offered if you can take your car to the nearest garage without assistance.
- Intentional Damage or Negligence – If your car breaks down or requires repair because of negligence or deliberate damage caused by you, this service will not be provided.
- Driving Under Influence – You will not be eligible for this service if your car breaks down or meets with an accident because of you violating traffic laws, such as drunk driving.
Conclusion
It is clear from above that roadside assistance is an important add-on to include in your car policy. You can purchase this add-on when buying a new policy or renewing your car plan. Since this is an add-on, your premium for a comprehensive four-wheeler insurance policy will be impacted. It is also recommended to learn the policy inclusions, terms and conditions before purchasing the plan.
