Roadside Assistance in Car Insurance
Get the Best Insurance Plan that fits for your Need
Roadside Assistance Add-on 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
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 Under the Roadside Assistance Add-On?
- Mechanical Breakdown: If the car suffers a mechanical breakdown, you can contact your insurance provider to arrange for a mechanic to repair the same. The services include replacing flat tires, battery jump-starting, repairing brake failure, etc.
- Towing Services: If the car cannot be repaired onsite or cannot be driven following an accident, this add-on cover provides towing services to move it to the nearest garage or workshop for repairs
- On-Call Services: These services can be availed to call up the insurer and get any information you require when you experience a vehicle breakdown
- Fuel Delivery: If you run out of fuel during a long trip and there are no gas stations nearby, the roadside assistance cover provides you with up to five liters of fuel to get you moving immediately, and fuel expense is paid by the insured person.
- Vehicle Extrication: It’s entirely possible that your car may get stuck in a deep ditch or pothole, and you may not find any help around. The roadside assistance cover provides extrication services to get your car onto the road.
- Alternate Arrangements: Roadside assistance also provides alternate arrangements to help you reach your destination following a car breakdown. You can even contact the insurer to arrange duplicate keys if you lose the original one.
What is Not Covered Under the Roadside Assistance Add-On?
- Driving without possessing a valid driving license
- Driving under the influence of alcohol or other intoxicating drugs
- Vehicle breakdown due to negligent or deliberate acts of the driver
- Use of vehicle for unlawful activities
- Driving the car without valid motor insurance
- Mechanical issues in the vehicle beyond the warranty period
- Significant repairs to the car following an accident (the policy only provides emergency assistance after a breakdown)
Who Should Buy the Roadside Assistance Add-On Cover?
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.
You may also like to read about other car insurance add-on covers:
Frequently Asked Questions on Roadside Assistance Add-on
Is it compulsory for car owners in the UAE to purchase a roadside assistance cover?
No. Roadside assistance cover is an optional benefit that can be purchased along with a comprehensive car insurance plan.
Does the roadside assistance add-on policy cover the expenses of repairs required to the vehicle after an accident?
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.
What happens if my car cannot be repaired at the place where it suffered a breakdown?
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.
Can I get roadside assistance if my car battery is dead?
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.
Disclaimer: The information mentioned here is gathered from sources deemed to be reliable & trustworthy. Prominent Insurance Brokers does not promote or recommend any product or service.