Roadside Assistance in Car Insurance

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Overview of Roadside Assistance Cover

It can be inconvenient and scary to suffer an abrupt breakdown of your vehicle, especially if you are driving across remote areas. A flat tire or a brake failure can leave you totally helpless. You may even run out of fuel and find no fuel station in the vicinity. Being stranded in the middle of nowhere can create needless hassles and endanger your safety, too. In such situations, roadside assistance in car insurance comes to your rescue by providing repair services to quickly get you moving. Such assistance not only facilitates instant car repairs but also ensures your safety and well-being.

What is Roadside Assistance in Car Insurance?

Car roadside assistance cover is an insurance plan that provides help and pays for the expenses of repairing your vehicle if it breaks down in a remote location. If the car cannot be repaired onsite, it shall be towed to the nearest service centre. You just have to call the 24/7 helpline number, and the insurer will instantly provide the required assistance.

Most insurance companies include this coverage as part of their comprehensive car insurance plans. A few others may offer it as an add-on benefit to the primary policy.

Benefits of the Car Roadside Assistance Add-On Cover

Roadside assistance insurance coverage offers several benefits to vehicle owners. The details are as follows:

Immediate Support

If you are stranded in a remote place with a broken car, all you need to do is call the 24/7 helpline number for immediate assistance

Saving on Expenses

Onsite repairs and towing services may cost a huge sum. Car owners are forced to pay this amount to access quick assistance. Car roadside cover saves you a lot of money by providing help when you need it most.

Customized Plans

There are several options available with car roadside assistance plans. You can choose a plan based on your budget and requirements.

Peace of Mind

The availability of emergency assistance offers you immense peace of mind. You no longer need to worry about being stranded in remote locations with grave risks to your health and safety.

How Does the Car Roadside Assistance Add-on Work?

The roadside assistance breakdown cover is an add-on benefit that can be purchased along with a comprehensive car insurance policy. It cannot be bought if you only have third-party insurance for your vehicle.

The car roadside assistance coverage is available only for emergency situations to enable you to access immediate help. It does not pay for major repairs that are either covered under the primary policy or to be paid out of your own pocket.

It is pretty simple and convenient to avail of the services under this auto roadside assistance cover. The services are available 24/7, and you have to call the particular helpline number provided by your insurance provider whenever you need emergency assistance.

What is Covered in Under the Roadside Assistance Add-On?

Car insurance with roadside assistance coverage provides the following services that are beneficial for vehicle owners:

What is Not Covered Under the Roadside Assistance Add-On?

The general exclusions of the car roadside assistance add-on policy are as follows:

Who Should Buy the Roadside Assistance Add-On Cover?

Buying car insurance with roadside assistance is strongly recommended in the following situations:

The vehicle is old (i.e. aged beyond 10 years) and thus more vulnerable to breakdowns on long-distance trips.

Any car owner who seeks the convenience and safety of availing emergency roadside assistance during long trips

Car owners with a very high frequency of usage who are worried about potential breakdowns during daily commuting

New or amateur drivers who may not possess adequate knowledge of minor or emergency repairs can also benefit from this coverage.

Frequently Asked Questions on Roadside Assistance Add-on

No. Roadside assistance cover is an optional benefit that can be purchased along with a comprehensive car insurance plan.

Roadside assistance in car insurance provides only emergency services to get the vehicle moving if it suffers a sudden breakdown. Major repairs shall be covered under the primary car insurance policy based on the terms & conditions applicable.

Nothing to worry about because the roadside breakdown cover offers a towing facility to shift your car to the nearest garage or workshop for repairs.

The car roadside assistance cover offers the facility of jump-starting your vehicle if the battery is fully discharged. Then, your car battery will be charged on the spot.