What is Roadside Assistance Cover? Everything You Need to Know

What is Roadside Assistance Cover?

Roadside assistance cover, also called emergency assistance cover, is an add-on to your car insurance policy that offers help in case of a breakdown or other roadside emergencies.

It simply means that a professional technician will help you when your car breaks down in the middle of a journey, leaving you stranded.

It is a lifesaver if you are ever stuck on the side of the road, saving you a lot of money on towing and repair expenses.

What is the Objective?

The main objective of the roadside assistance cover is to offer immediate aid and on-the-spot service, enabling you to continue your journey without further delay.

This add-on is predominantly helpful if you go on long journeys or have busy schedules, as it reduces disruptions due to unexpected car breakdowns.

What is Covered Under the Roadside Assistance Policy?

The services rendered by roadside assistance differ from policy to policy. Here are the standard inclusions.

• Minor repairs: The customer is assisted over the phone during minor concerns in the car that can be repaired/fixed by the driver when guided right.
• Towing service: The policy also covers towing charges if the vehicle gets immobilized on the spot.
• Battery breakdown assistance: If your car is immobilized due to the battery running down and needs a jumpstart, a mechanic is sent to start the vehicle by appropriate means.
• Flat tyre change: The add-on facilitates a mechanic changing the tyres if you have a flat tyre during your journey.
• Fuel delivery: When you run out of fuel, a technician will come to you with fuel.
• Spare keys: Misplacing the key to the car is a common problem many people face. The add-on covers this as well. The service provider will send a person to your residence and get the keys for you.
• Travel arrangement/Taxi service: As the car is getting fixed or repaired, you can avail yourself of a cab or taxi to get to your home or office under this policy. You can only avail a ride to one destination in such situations.
• Accommodation arrangement: The insurance company makes arrangements if you wish to get accommodation near the garage where the car is being repaired.

A few roadside assistance policies also have other services like rental car reimbursement and more. It would help if you opted for roadside assistance coverage to avail yourself of all the above services.

You can now opt for this add-on to your auto insurance online.

Services that are Not Part of the Roadside Assistance

The exclusions in the roadside assistance coverage in an auto insurance policy are as follows:

• The roadside assistance cover is not an entire "claim." The policy lets you utilize it as specified.
• The roadside assistance is applicable only when there are no other alternative options. The insurer will not provide services if you can take the car to a nearby garage, but you can still request assistance.
• Incidents where the driver is under the influence of alcohol or any intoxication during the breakdown of the vehicle are not eligible to avail services from the roadside assistance cover.
• If you do not have a valid driver's license, you cannot avail services in the roadside assistance cover.

Advantages of Having a Roadside Assistance Cover

Here are the pros of having roadside assistance covered in your policy.

• Having a roadside assistance cover could make you feel peaceful while on the go. You can rest assured that someone will come to assist you if you find yourself stranded in the middle of the road.
• The roadside assistance add-on can save you a lot of money you must pay for towing and repair costs. You will not have to pay for a tow truck or a technician if your car breaks down.
Roadside assistance is simply convenient. You merely have to reach out for help, and help is coming!
• These plans are flexible. You can opt for a plan that will suit your needs and budget.

Wrapping Up

Roadside assistance coverage is a valuable add-on to your car insurance. It can save you a lot of effort and money when you will most need it – when you are stranded in the middle of nowhere and can't find help quickly.

Financiers and insurers have affiliations with various service providers throughout the country. The technician sent for your assistance is usually picked based on location, vehicle, and other circumstances.

With the constant progress in lifestyle and general living, such convenience is an add-on and necessary for modern living. It is an excellent option if you choose to avail yourself of roadside assistance coverage along with your auto insurance policy.