When you will buy car insurance, you will come across certain terminologies, plans, and add-ons that you may have never heard of. One of the add-ons is Roadside Assistance (RSA) that you should know about. Everything that you need to know about Roadside Assistance is mentioned below:
What Is Roadside Assistance?
Roadside Assistance is an add-on that you can opt for while buying comprehensive car insurance online for your car or while buying two-wheeler insurance for your bike. Under this add-on, you will get help in the time of need as if you are stuck on the road in the middle of the night. This add-on will provide you 24×7 roadside assistance coverage against any mishaps related to your car or bike. Now you will ask whether you have to pay an extra premium to get this add-on or not. Well, yes, you have to pay an extra premium. But the change in premium rates of your car insurance will be very small. For a small change in the premium rates, you are getting the enormous benefit.
How Does Roadside Assistance Add-On Works?
After you opted for roadside assistance add-on, you can use it anytime. All you need to do is contact your insurance company and keep all the necessary documents handy. This add-on will take care of all the expenses incurred in repairing your vehicle.
What is Covered Unser Roadside Assistance Add-on
Now you know what roadside assistance add-on is and how does it work. However, before you opt for this roadside assistance, it is advisable to see what is covered and what is not covered under this add-on. To give you an idea, we have come up with the list of things that are most probably covered under 24X7 roadside assistance add-on:
- Flat Battery
- Spare Keys
- Flat Tyre
- Minor Repairs
- Towing Facility
- Urgent Message Relay to Relatives
- Medical Coordination
- Fuel Assistance
Some Exclusions Of Roadside Assistance Add-on
There are some cases in which your roadside assistance add-on will not provide coverage.
Here is the list of scenarios in which this add-on will not be applicable:
- If your car breaks down 25 km away from the nearest network garage, then you have to pay for towing charges from your pocket. however, if the network garage is not more than 25 km away, then roadside assistance will cover towing charges also.
- If you stay at a hotel because of your car breakdown, then you have to pay it yourself as your insurance company would not cover it. Not only hotel expenses but any other associated expenses will also not be covered under this add-on.
- This add-on does not cover any charges incurred due to the transportation of the policyholder.
So, before you opt for 24X7 roadside assistance, make sure you go through the terms and conditions of the policy.
Who Should Opt For Roadside Assistance Add-on?
If the age of your vehicle is under 5 years, then you should opt for roadside assistance, so that your vehicle remains protected and well-maintained in all situations. If you are a traveler, then opting for a 24×7 roadside assistance might be a good idea.
In general, everyone should get roadside assistance add-on to keep their vehicle protected.