Check
how to get Roadside Assistance under Motor insurance policy
There
are very fewer people who have complete knowledge about their motor
insurance cover. Most of the Indian population fails to utilize the
benefits offered inside their insurance policy.
The main reason is negligence and insufficient information provided by
the agents.
Let’s
get a quick glimpse of coverage offered by the car insurance -
-
Protection from their party liabilities caused due to loss/physical injuries made by the insured vehicle owner to third party property or body
-
Coverage against thefts, burglary, fires and explosions, self-ignition.
-
transportation/shipment damages
-
Damages coming from riots, strikes, malicious acts, terrorist activities, natural disasters.
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Add-on covers for extra protection- Roadside assistance, Return to Invoice, Nil depreciation, Loss of accessories, cost of consumables, Personal Accident Cover, etc.
So,
we are going to explore an add-on option called ‘Roadside
Assistance’.
What
do you understand by Roadside Assistance?
Roadside
Assistance cover gives you the facility of repair when your car
becomes dead in between the road. In such a condition getting a
mechanic is a time-consuming process and causes difficulty.
However,
you can surpass this situation by adding the Roadside Assistance
cover in the motor insurance policy. You only need to deposit an
extra premium in supplementary to the basic premium applicable.
Services
offered Under Roadside Assistance
-
Towing Service: To move the vehicle from the place where the breakdown occurred, the insurer makes a quick availability of towing service. The vehicle is taken to the verified garage network to get expert assistance. Towing facility is free of cost up to 50 kilometers. However, distance fluctuates from company to company.
-
Mechanical/electrical breakdown: On-the-spot repair service is provided if the insured car/bike denies working while traveling on a road. A mechanic is assigned who will guide the car owner in jump-starting battery and other small repairs. In case the car owner has been locked out of the vehicle, pickup and delivery of spare keys will also be provided.
-
Fuel delivery: We should always keep backup support to combat the contingencies of life. Like while driving, you should keep an extra fuel bottle. But this may not always possible for you. So, in this cover policyholders will get 5 liters fuel delivery onetime. The cost of fuel is to be incurred by the policyholder.
-
Hotel Accommodation: Hotel service will be organized, in case the vehicle is under maintenance in a garage. Please focus that only arrangement is made by the company. The rent is to be paid by the policyholder. Plus, the hotel allowed will be nearby to the garage location.
-
Flat Tire Service: It’s a very unfortunate thing when the tire of your vehicle gets a puncture in between your journey. To fix the problem, a mechanic will be assigned on the spot to repair the tire condition.
-
Cab Service: Most of the companies under roadside assistance cover provides cab service or alternate vehicle support if the insured car is under garage. Compensation for the cost incurred on hiring a cab/taxi is paid by the insurer. The only condition to avail of this service is that your vehicle must be under repair for more than 2 or 3 days.
-
Medical Evacuation: Suppose you are going on a long weekend in your car with the family. In between the travel, your car becomes immobilized. Your mother is an asthma patient and suddenly got asthma. Then, you can reach your insurer for medical help. However, the policyholder is expected to meet the treatment expenses by himself/herself.
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Urgent Message Delivery: This facility is exclusively for emergencies. There are monuments when you have to contact your family to give information about where you are. The insurer will organize a conference call to deliver any urgent messages.
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Delivery of Repaired Car/Bike: In case the insured vehicle owner is not available to receive the repaired car, then the insurer will take charge of delivering your vehicle at our home.
Companies
that offer Roadside Assistance cover
In
India, almost every car insurance company provides to keep their
coverage competitive in comparison to its competitors.
-
Bajaj Allianz
-
HDFC Ergo
-
IFFCO Tokio
-
Tata AIG
-
Royal Sundaram
-
Universal Sompo
-
Reliance General
So,
it completely depends upon you whether you need a roadside assistance
cover or not. You should first evaluate your vehicle condition and
accordingly, choose your coverage.
