All About Roadside Assistance (RSA) in Car Insurance
Car breakdowns can happen anywhere and leave you stranded, whether due to a flat tyre or a dead battery.
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What is Roadside Assistance (RSA) Cover in Car Insurance?
Roadside Assistance (RSA) in car insurance is a highly useful add-on cover that provides 24x7 emergency services to car owners in case their vehicle breaks down or faces a mechanical issue. Getting stuck on the highway or in an unfamiliar location at midnight with no mechanic nearby can be extremely stressful. In such situations, this car breakdown cover proves to be very helpful.
You can get roadside assistance with your comprehensive car insurance for an additional premium. Remember, RSA cover does not provide any form of financial compensation. Its main purpose is to offer quick emergency assistance to the insured during a vehicle breakdown and resolve the issue as soon as possible.
Key Features and Benefits of Roadside Assistance (RSA)
The benefits and coverage with RSA in car insurance includes the following:
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Flat Tyre Assistance
Whenever a driver experiences a flat tyre, a mechanic is sent to assist you in either fixing or replacing the tyre, so you quickly resume your journey.
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Fuel Delivery
If a vehicle runs out of fuel, RSA cover provides limited fuel (e.g., up to five litres) to reach the nearest fuel station.
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Battery Jumpstart
RSA arranges for a jumpstart or minor battery repairs for vehicles that fail to start due to battery issues.
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Minor On-Site Repairs
When there are just minor mechanical or electrical issues, a technician will be dispatched to the spot to fix the problem.
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Accommodation or Travel Arrangements
In rare cases where repairs take longer, the car breakdown cover may arrange hotel stays or alternative transport, subject to policy terms.
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Towing Services
For vehicles immobilised by an accident or breakdown and unrepairable at the scene, the roadside assistance add-on offers the towing service to the closest authorised garage, usually within a limited radius (e.g., 25 kilometres).
What Roadside Assistance (RSA) in Insurance Does Not Cover?
To make informed decisions when it comes to opting for roadside assistance (RSA) cover in car insurance, understanding its limitations is essential. The RSA cover does not include:
- Losses due to theft or those covered by manufacturer warranties, recalls, or other insurance policies.
- Costs for parts, materials, or repairs done without insurer approval.
- Services used without prior insurer consent or for vehicles driven without the owner's permission.
- Claims exceeding the policy's limit on the number of times roadside assistance can be availed in a year (e.g., 4-6 times, depending on the insurer).
- Incidents involving a driver under the influence of alcohol or drugs.
- Claims for vehicles used in racing, rallying, or illegal activities.
- Issues from natural disasters, human-caused events, or government actions.
How to Use Roadside Assistance Add-On Cover?
When your vehicle breaks down, roadside assistance (RSA) in your car insurance can ensure quick help. Follow these easy steps to use your car breakdown cover effectively:
- Call the Insurer's Helpline: Call your insurer's 24/7 toll-free number. If you have bought your car insurance from Policybazaar, you can dial 1800-258-5881. Keep your policy number and vehicle registration details ready.
- Explain the Problem: Describe the issue, such as a flat tyre, dead battery, or fuel shortage, and share your exact location.
- Wait for Verification: The insurer will confirm your policy details to ensure you are eligible for RSA services.
- Receive Assistance: A mechanic or towing service will be sent to your location to fix the issue or tow your vehicle to a nearby authorised garage.
What is the Cost of Roadside Assistance Cover in Car Insurance?
The cost of roadside assistance (RSA) add on in car insurance varies by insurer and the coverage you choose. Mostly, it is a small additional premium to your comprehensive insurance plan. Certain policies might offer the RSA add-on as a complimentary service for a limited time, but you need to purchase it separately after the initial free period. Remember, the RSA cover is not a standalone plan and can only be bought with a comprehensive or own damage car insurance policy.
Important Things to Know About RSA in Car Insurance
To ensure you use roadside assistance (RSA) effectively, it is helpful to understand its key aspects and limitations.
- Using RSA does not affect your No Claim Bonus (NCB), since it is not treated as a motor claim.
- RSA is designed for emergencies like breakdowns or lockouts.
- Labour costs are typically covered, but you may need to pay for materials like fuel or spare parts.
How to Add Roadside Assistance (RSA) to an Existing or New Car Insurance?
You can easily add a roadside assistance (RSA) add-on cover to your car insurance policy through Policybazaar by following a few simple steps:
- Step 1: Visit Policybazaar.com and click on "Car Insurance" located on the homepage.
- Step 2: Enter your vehicle registration number, or select "Brand New Car" and choose the correct variant and fuel type.
- Step 3: Look for add-ons and click on "24x7 Roadside Assistance" to proceed further.
- Step 4: Choose a plan from the list and add any other desired add-ons if you wish.
- Step 5: Make your payment using UPI, net banking, or credit/debit cards.
- Step 6: After successful payment confirmation, you will receive your RSA add-on policy immediately via email.
Final Words
Roadside assistance is a practical and affordable add-on in car insurance that enhances your comprehensive car insurance, offering peace of mind during unexpected breakdowns. By understanding its benefits, exclusions, and usage, you can ensure seamless support on the road.
