Hence, you must buy a car insurance policy that provides you with extensive coverage in case of any damage to your car. If you want further benefits, you can buy add-on coverage that strengthens your insurance policy. Roadside assistance cover is one such add-on benefit that can be bought with your basic car insurance policy.
As the name suggests, roadside assistance cover provides on-road help to you under multiple circumstances. To understand why you need this add-on, let’s understand what all the benefits are covered under this insurance cover.
• Minor repairs
No matter the intensity, under roadside assistance add-on cover, you are eligible for various kinds of help. Even minor repair issues like replacing headlights, windshield wipers, repairing brakes, or anything else that does not take long to fix are covered under this insurance. As soon as you inform the insurer, they will send a mechanic to your location.
• Flat tyre
Flat tyres are more common than one might think, and if you have road assistance cover, then you do not have to take it upon yourself to fix it. If you have a flat tyre, you can call for a mechanic to come to your location, which can be on the road, at your office, or at your home.
• Breakdown support over the phone
There are many cases of breakdowns that are not very serious and can be solved through verbal assistance. You can opt for such support over the phone in case you face a minor breakdown.
• Towing due to breakdown
Roadside assistance also covers major breakdowns, and in such cases, if your car is completely damaged or immobile, you can opt for the towing service. As soon as you inform the insurer, they will send help to your location, where they will inspect your vehicle and tow it to the nearest garage.
• Taxi benefits
In this case, if your car is immobile, or beyond repair, or needs to be taken to a garage, under road assistance cover, the insurance company will send a taxi to your location to safely drop you at your destination.
• Arrangement of a fuel tank
On some days, you may not be able to keep track of your fuel consumption and may end up running out of it. When your car breaks down in such a case, the insurer can send you up to 5 litres of fuel to your location. But this is a limited service, and you must check with your insurer about it.
• Spare keys
We all have at least once lost our keys. Roadside insurance covers that as well. If you lose your car keys, you can inform your insurance company about the same and they can arrange spare keys and send them to your location.
• Message relay
Under circumstances where you are unable to contact anyone, you can get in touch with the insurance company, and they will reach out to your friends or family to connect you with them.
• Battery Jumpstart
In the event that your battery is down in the middle of the road, the insurer can send a mechanic or technician to jumpstart the car. This often happens during cold weather. So, if you are someone residing in cold regions, this can be of great help to you.
Some other benefits that you can get under this cover include hotel stay accommodation and medical coordination. However, you must check with your insurance company beforehand to see what benefits are covered under roadside assistance. Different car insurance companies offer different benefits.
Is roadside assistance cover ideal for every policyholder?
Buying this add-on with your car insurance cover is a matter of personal choice. But the benefits provided under this cover can be helpful to you under dynamic circumstances. While this cover is equally useful to all, if you fall under any of the following categories, you should strongly consider getting it.
• If your car is old, it is vulnerable to damage or breakdowns. In such situations, you can always rely on roadside assistance cover.
• If you take your car on long drives or if you have a commercial vehicle that usually travels long distances, then this cover will help you through most difficulties that you may come across on the road.
The purpose of this add-on coverage is to save you from any trouble that you may face with your car on the road. It aims to provide you with the convenience of taking your car to safety without having to do much. Road side assistance can be availed only 4 times in a policy year.
Purchase comprehensive car insurance policies, add-on covers, third-party insurance with Kotak General Insurance, and protect your car from any unforeseen situations.
Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.