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Note: The above data is till 1st April, 2024

What is Roadside Assistance add on cover?

Roadside assistance add-on cover is an additional feature you can add to your insurance policy to provide assistance in case your vehicle breaks down or experiences other such issues while on the road.

Car Roadside Assistance is a valuable service designed to provide support in the event of a breakdown or emergency situation. Whether you’re dealing with a flat tire, a dead battery, or a minor mechanical failure, roadside assistance can come to your aid and help get you back on track. This cover can be added to a standalone own damage or comprehensive car insurance.

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What does the Roadside Assistance add-on cover?

Roadside Assistance add-on cover typically includes services such as:

  • Emergency towing

    Incase, your vehicle breaks down and cannot be driven, roadside assistance will arrange for a tow truck to transport your vehicle to a nearby repair shop or your preferred location in emergency.

  • Battery jump-start

    In situation, where your vehicle's battery dies in the middle of road, our roadside assistance will send a technician to jump-start your battery, allowing you to continue your journey.

  • Flat tyre assistance

    If you have a flat tyre, we can send a technician with the help of our roadside assistance to replace it with your spare tire or provide a temporary fix to get you back on the road.

  • Fuel delivery

    Running out of fuel while driving is annoying but not to worry as with our roadside assistance, we will deliver a specific amount of fuel to your location to help you reach the nearest gas station.

  • Lockout assistance

    Our roadside assistance covers if you accidentally lock your keys inside the vehicle or misplaces it by sending a locksmith to help you gain access to your car.

  • On-site repairs

    Depending on the issue, our roadside assistance add-on offers minor on-site repairs to get your vehicle back in working condition.

Benefits of a Roadside Assistance add-on cover

Roadside assistance coverage offers numerous benefits to drivers, providing them with peace of mind and support in unexpected situations. Here are some key benefits of having roadside assistance coverage:

  • Emergency assistance

    Roadside assistance is there to help you during emergencies. Whether you experience a breakdown, a flat tyre, or lock yourself out of your vehicle, roadside assistance can provide immediate assistance, ensuring you're not stranded on the side of the road.

  • Convenience

    Dealing with car troubles can be stressful and inconvenient. Roadside assistance takes away the hassle by handling the logistics for you. They will arrange for a tow truck, send a technician to jump-start your car, or provide other necessary services, saving you time and effort.

  • 24/7 Availability

    Roadside assistance operates around the clock, 365 days a year. No matter when or where you encounter car troubles, you can contact your provider for assistance. This availability is especially valuable during late-night breakdowns or when travelling in unfamiliar areas.

  • Professional service

    Roadside assistance dispatches trained professionals to help you with your car troubles. These technicians have the knowledge and expertise to handle a variety of issues, ensuring that your vehicle is in capable hands.

  • Cost savings

    Without roadside assistance coverage, you may incur significant expenses for towing services, locksmiths, or repairs. Roadside assistance can help reduce these costs by covering or offsetting the expenses associated with the services provided. It can be more cost-effective to have coverage rather than paying for each service individually.

  • Peace of mind

    Knowing that you have roadside assistance coverage brings peace of mind while driving. It provides a safety net, knowing that help is just a phone call away in case of an emergency. This assurance allows you to focus on your journey without worrying about potential breakdowns or unexpected car troubles.

Who should take Roadside Assistance add-on cover?

Preferably, every car owners should opt for a roadside assistance cover with their standard car insurance plans, however, it is a must for the following individual to get a roadside assistance cover:

If an individual has recently purchased a car or teenagers who have recently obtained their driver’s license may lack experience in handling car troubles.

Families with multiple drivers or vehicles can greatly benefit from roadside assistance cover.

If an individual is someone who doesn’t have any mechanical knowledge or is not comfortable about basic vehicle repairs or troubleshooting must opt for roadside assistance.

Other Add–ons available with car insurance policy by Kotak

Customize your coverage with our amazing add-ons - they're like bonus features for your car protection!image

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Consumables Cover

Consumables are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. Know more about car insurance consumables add on coverage.

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Depreciation Cover

Depreciation is not covered under car insurance. In the case of claim, the cost of depreciation is deducted from the cost of repairing or replacing the parts. However, with the Zero Depreciation Cover add-on, depreciation gets covered. It is not deducted from the claim amount and the claim payout is higher.

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Engine Protect

If the engine suffers a damage due to water seepage or water logging, the add-on would cover such damages and pay for the repair or replacement of the damaged engine are one-time items used in repairs of the car like nuts, bolts, screws, lubricants, etc. The cost of these consumables is covered under the add-on which is otherwise excluded from coverage. Know more about car insurance engine protect add on.

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Return to Invoice

Covers purchase invoice price of the vehicle in-case of Total Loss/Constructive Total Loss. Know more about car insurance return to invoice add on coverage

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Tyre Cover

This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. Know more about car insurance Tyre cover add on.

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24X7 Roadside Assistance

This add-on allows 24X7 assistance in the case of emergencies or when the car breaks down in the middle of the road. You can get assistance for flat tyres, fuel refill, jump starting the battery, etc. Know more about car insurance raod assistance add on.

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Daily Car Allowance

In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation. know more about car insurance daily car allowance add on.

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NCB Protect

In the case of a claim, when the car is under repairs, the add-on pays a daily allowance which you can use to cover the cost of alternate transportation.

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Loss of Personal Belongings

This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car. know more about car insurance loss of personal belongings add on.

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Key Replacement

This add-on covers the financial loss that you might suffer if personal belongings are stolen from the insured car.

Steps to buy car insurance online from Kotak

Hassle-free insurance at your fingertips with our easy and fast online processimage

Get All-round protection for your precious vehicle in a few steps. We at Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

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Click on the "Get a Car Insurance Quote" button on the Kotak Car Insurance Page

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Fill in your car details such as registration number, model, make etc.

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Fill in you personal details and make the payment online.

How to get an online quote for car insurance

See how simple it is to get a car insurance quote with usimage

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Visit kotak general insurance website

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Log in to your Kotak general insurance profile using the OTP sent to your mobile number

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Fill in your details such as car registration number, mobile number and email id (optional).

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Click on the "Get A Quick Quote" button on the Kotak Car Insurance Page and review coverage

How to buy insurance for a new car

We'll walk you through buying insurance for your new carimage

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Click on the "Get a Car Insurance Quote" button on the Kotak Car Insurance Page

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Fill in the required details such as registration number, model, make, etc.

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Fill in you personal details and make the payment online.

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Policy Wording
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Kotak Car Insurance Reviews & Ratings

Look what they have to say

Kotak Car Insurance Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Car Insurance

Entire process starting from claim registration to the completion was very speedy and smooth. After claim registration I did not need to talk or remind the company. It was my first experience of its kind which I felt wonderful. Thanks Kotak General Insurance!

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Car Insurance

The overall process was very smooth and professional. Minimal documentation and process. Liked the Professionalism and proactiveness of the employees in Kotak. Thanks for the support.

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Car Insurance

Very satisfying first experience with Kotak. Likely to renew the policy with Kotak.

Steps to renew car insurance policy online from Kotak

Follow these quick steps to renew your car insurance policy and keep your car protected alwaysimage

Your car insurance is just a click away. Visit the Kotak Car insurance page to get your car insurance quote.

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Visit https:www.kotakgeneral.com/renewal and choose the car insurance policy that you want to renew

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Enter your policy number and mobile number and click on ‘Submit’.

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Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew renew the existing policy or make changes.Your policy number will be verified and you will be able to check the details of you

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Pay the renewal premium and your policy will be done instantly!

How to file a car insurance claim at Kotak

Filing a claim has never been this easy – we made sure of itimage

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

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On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

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You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

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Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

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Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

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You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

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An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

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The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

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Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

List of documents required for filing a car insurance claim

Get familiar with the documents needed for speedy claim processimage

Documents required for car insurance claim

To raise a motor insurance claim under different situations mentioned above, you will require the following documents.

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Registration Certificate (RC) Copy

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Policy Copy

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Policy holder's valid ID proof

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Drivers Driving license

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FIR Copy (In case of theft and TP claim)

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Duly filled Claim form

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Any further requirements will be conveyed basis inspection

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How to download Your policy copy

Here is your step-by-step guide to access your policy copyimage

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.

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Enter your policy number

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Enter your registered mobile number Or your registered email Id

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Click on Get OTP

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Type the OTP and click on download car insurance policy document

Kotak General Insurance cashless network garages

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertaintyimage

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Kotak General Insurance without the need for upfront payment.

Need Help? Head over to our learning centre

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RTO- Regional Transport Office

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RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

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FAQs Roadside Assistance add-on Cover

Roadside assistance coverage is a service provided by insurance companies, automobile manufacturers, or specialized service providers. It offers assistance and support to drivers who experience car breakdowns, emergencies, or other roadside issues.

Roadside assistance coverage typically includes services such as towing, jump-starting a dead battery, flat tire assistance, fuel delivery, lockout service, and minor mechanical repairs. The exact services covered can vary depending on the provider and the specific coverage plan.

To access roadside assistance, you usually need to call a dedicated phone number provided by your insurance company or service provider. They will ask for information about your location, the nature of the problem, and any specific details required to dispatch the appropriate assistance.

Roadside assistance coverage is typically associated with a specific vehicle. However, some programs offer coverage that extends to the driver or household, regardless of the vehicle being used. It's important to check the terms and conditions of your coverage to understand who and what is covered.

Roadside assistance coverage may be included as an optional add-on to your car insurance policy, or it may be offered as a separate service by the insurance company. Some car manufacturers also provide roadside assistance as part of their warranty or service package.

Yes, most roadside assistance programs operate 24 hours a day, 7 days a week, including holidays. They understand that emergencies can happen at any time and strive to provide assistance whenever needed.

It depends on the specific terms of your coverage. Some roadside assistance programs may extend coverage to drivers who have permission to use the vehicle, while others may require the registered owner to be present. Check with your provider to clarify the details.

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