Roadside assistance is a service provided by insurance companies that offers help to drivers when their vehicle breaks down.
Roadside Assistance Add-on Covers
Dead Battery: On the go, most vehicles face the problem of a battery breakdown due to old batteries, lack of maintenance, or climatic conditions. In such a case, the Roadside assistance cover helps in replacing or improving the batteries.
Spare Keys: Losing or forgetting keys is one common issue faced by many vehicle owners. However, under the Roadside Assistance Coverage, your spare car keys will be picked up and dropped off for you.
Towing Services: In unforeseen circumstances, vehicles may stop in the middle of the way or road, blocking commuters or making it difficult for the owner to take them to a garage. With the help of Roadside assistance in Insurance, your car will be easily towed to a nearby garage for repair.
Punctured/Flat Tyre: Being in a stranded location with a flat tyre is the worst nightmare for anyone, but this cannot be controlled either. Under the roadside assistance add-on cover, a mechanic is sent to your location to assist and help you with the punctured tyre.
Minor Repairs: With any vehicle, minor issues or untimely technical glitches come along. Under the roadside assistance add-on cover, a mechanic is sent right away for all types of minor repairs to your car, ensuring your smooth travel.
How to use a Roadside Assistance Add-on Cover?
It is quite simple to use a Roadside Assistance Add-on Cover but before using one, you need to be mindful of a few things, which are as follows:
- The Roadside Assistance Coverage is only for emergencies & you have to pay for the repairs from your pocket.
- It is important to note that a claim, that is raised under the roadside assistance add-on cover, will not be considered a claim as you are paying for the repairs from your pocket.
- Any kind of roadside assistance add-on can only be purchased with a complete motor insurance policy.
- The Roadside Assistance Coverage cannot be purchased if you own a third-party cover.
Roadside Assistance Insurance Cover Benefits
Emergency Assistance:
One of the crucial benefits of Roadside assistance cover is that it provides you with timely assistance in emergencies like flat tyre, dead batteries, minor repairs, and others.
Convenience:
The Roadside assistance add-on cover offers you helpful assistance with your vehicle at the place of vehicle breakdown, eliminating the hassle of bringing the vehicle to the garage itself.
Peace of mind:
Including roadside Assistance in Car Insurance reduces your stress and anxiety regarding all potential breakdowns and emergencies.
Safety:
The Roadside Assistance Coverage prioritizes your safety by providing prompt assistance with your vehicle, ensuring that the vehicle owner is not left stranded in any hazardous situation.
Professional Assistance
The Roadside Assistance in Insurance promises your assistance from trained professionals who are well versed with practical knowledge and efficient in addressing the problem of your vehicle. Expert assistance from professionals also helps in preventing further damage to the vehicle.
Cost-effective:
Though the car insurance add-on may require extra or subscription fees to your existing car insurance policy, still the cost is much lower as compared to the expenses that are associated with emergency flat tyre situations, dead battery, towing services, and much more.
Exclusions of Roadside Assistance Coverage?
- Before opting for the best roadside assistance in India, it is pivotal to learn about the things it does not cover. Here are some of the common exclusions for roadside assistance add-on cover:
- In case you can carry your car without the help of the insurance company but ask for the assistance of your insurer, you may be deprived of the coverage.
- The car insurance coverage may be denied if the driver is found to be drunk.
- Roadside Assistance Coverage will only be applicable if the driver has a valid driving license.
- In case your car is being used for racing or any other illegal purposes the coverage will be denied.
- The Roadside Assistance Coverage claim may be rejected in case the repairs are done without informing the insurance company.
- Any roadside assistance add-on cover has its limitations regarding the types and sizes of the vehicles for which they provide roadside assistance. There is a possibility of certain exclusions put up for commercial vehicles, heavy-duty trucks, or certain types of motorcycles.
- Your eligibility for roadside assistance add-on cover might be affected by location limitations, as some services might not reach remote or inaccessible areas.
Bottom Line
In the unpredictable world of driving, roadside assistance is your beacon of hope during times of distress. It is not just a benefit but also a necessity for every driver, offering peace of mind, safety, cost-effectiveness, convenience, and comprehensive coverage.
Therefore, the next time you renew your car insurance or consider purchasing a new policy, don't overlook the importance of roadside assistance. After all, when it comes to navigating the road of life, having a reliable safety net can make all the difference between a minor inconvenience and a major ordeal.
PoSP insurance agents play a pivotal role in helping individuals access roadside assistance coverage within their insurance policies. Through personalized recommendations, clear explanations, customization options, assistance with claims, and ongoing support, these agents ensure that clients are equipped with the protection they need to navigate the roads confidently. By leveraging the expertise and guidance of PoSP agents, individuals can enjoy the peace of mind that comes with knowing help is just a phone call away during unexpected roadside emergencies.
Frequently Asked Questions on Roadside Assistance:
Q. Does one need Roadside assistance coverage if he/she already has car insurance?
Ans. While some car insurance policies include Roadside Assistance Coverage, not all do. Thus, it is important to check all your policy details before enrolling in one.
Que: Who should opt for a Roadside assistance cover?
Ans. It is a good idea to take a roadside assistance add-on cover for Individuals who frequently travel to different places.
Que: Apart from cars, is the car insurance add-on available for motorcycles and other vehicles as well?
Yes, the Roadside assistance in Insurance effectively covers motorcycles, RVs, and other vehicles, with varied services offered for different vehicles.
Que: Is the insured person allowed to cancel the Roadside Assistance Coverage at any point in time, and will the person receive a refund?
Yes, most of the policies do allow you to cancel the roadside assistance add-on cover at any point in time but receiving a refund for it may vary, depending upon the terms and conditions of the policy.
Que: If the vehicle breaks down midway due to a pre-existing condition, will the RoadSide Assistance Coverage assist?
The Road side assistance in Insurance is not designed to cover the pre-existing conditions of the vehicle. It can assist only with unexpected breakdowns and emergencies.
Que: With the Roadside Assistance Coverage, how many service calls can an individual make per year?
It all depends upon the terms and conditions of the car insurance add-on, which may differ as some plans may have a limit to service calls while others may offer unlimited service calls.
Que: Can an individual ask for roadside assistance add-on cover while traveling to another state or country?
It all depends upon the limitations to the geographical locations mentioned in the terms and conditions of the roadside assistance add-on cover. Some of the policies cover vehicles nationwide and internationally but some policies may have limitations to it. It is very important to keep a check on the details of the coverage area.
Que: Is a person allowed to add the Roadside Assistance Coverage to the existing car insurance policy?
Indeed, many insurance companies offer the best roadside assistance in India as an optional add-on to their new or existing car insurance policies.
Whether you are looking for insurance for your business, vehicle, home, or family, or even if you want to become a PoSP agent in India, PBPartners is here for you!
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