Know all About Roadside Assistance Add-on Cover

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Be it a flat tyre, electrical fault, or a minor mechanical defect, anything can disrupt your otherwise smooth car journey. It can be intimidating if your car breaks down in unfamiliar territory. And this is when roadside assistance comes to your rescue. So, generally, this offers direct assistance in the event of problems like a car running out of fuel, puncture, or any other vehicle breakdown. Read this article to know about road assistance cover.

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      How Does Roadside Assistance Work?

      Roadside assistance which is also known as breakdown cover is an add-on cover that you can buy with your comprehensive car insurance. It will come to rescue when you need any assistance or when you are stuck while driving on the road.

      With the help of this car insurance cover, you can call up your car insurer for help and it will send a crew to your rescue point in no time. Essentially all the services are free, however, in some cases, you will have to bear the costs.

      For example, if you run out of fuel, you will have to pay for refueling. Again, if your vehicle has to be towed, you would have to pay for it. Some motor insurance companies also provide taxi assistance and hotel accommodation if need be. This facility is most useful during the monsoon season when a vehicle is more susceptible to breakdown.

      What Does It Cover?

      Roadside assistance offers a host of benefits to you, the policyholder. Here’s what you can get:

      1. Battery Issues- There are times when a car’s battery is exhausted or there is a halt in the journey due to issues in the battery. In such a case, your Roadside Assistance Cover will come to rescue you.
      2. Flat Tyre- This is one of the major issues that everyone has faced once in their lifetime. Stuck with a flat tyre in the middle of nowhere, this situation can panic you. Here RSA cover will benefit you by arranging the right mechanic and replacing the old one with the new one.
      3. Spare Key Arrangements- There are chances that you might lose your car keys and won’t be able to find them. In such a situation where you are unable to find your keys, your breakdown cover will arrange for a pickup & delivery service to send you spare keys, or else they can help you unlock your car with the help of mechanics.
      4. Towing Service- If your insured car can’t be repaired by the assigned mechanic on spot and needed to be sent out to the garage for servicing, your RSA will help you by providing the towing service.
      5. Fuel Assistance- You can face this problem anywhere and anytime. Before you even realize it, your car’s fuel tank is empty. In such situations, you can avail the benefit of Roadside Assistance Cover. With this, you can get a limited amount of fuel to the location you are stuck. However, the charges for the fuel will be paid by you.
      6. Minor Repairing- At certain times when your car gets stuck and you are unable to start it. In such unpredicted situations, your Roadside Assistance would benefit you by providing the repair assistance.

      Factors to Consider Before Taking Roadside Assistance Cover

      1. Age of the Car: As the car ages, the chances of mechanical problems tend to increase. As a result, most of the service providers are reluctant to offer cover for cars aged above five years. And, just in case they do offer the cover, the annual charges would be very high. Additionally, car manufacturers also provide roadside assistance packages along with their vehicles.
      2. Number of Services Available: The cover may have a cap on the number of times a service can be availed. Therefore, you must check the number of services available in the add-on cover.
      3. Plan prices: The prices for roadside assistance depend largely on the age of the vehicle and the number of services availed by the car owner. But another key aspect is your typical travel route. If you travel within your city, your plan may vary from someone who has to travel inter-city frequently.

      Should You Take Roadside Assistance Cover?

      Roadside assistance is an essential aspect of your car maintenance and protection. In the unfortunate event of a breakdown or accident, it is of great help. If you feel your currentcar insurancecan take care of such emergency requirements, you can avoid buying a standalone policy. However, if your current car insurer does not give ample features in its add-on roadside assistance plan, go for a standalone policy.

      For extended assistance, you can also visit the official website of Policybazaar Insurance Brokers Private Limited. There you can explore multiple car insurance plans along with the add-on covers.

      Final Thoughts

      If you own a brand new car or your car is less than 5 years old, then you must go for Roadside Assistance Cover (RSA) with your comprehensive car insurance policy. It will help you in maintaining and protecting your car every time. Moreover, if you are a frequent traveler and prefer taking your insured car for covering miles, it is recommended to opt this add-on cover, so that you are just a call away when you need any assistance during your long journeys.

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