As a car owner, one of the most stressful situations can be the breakdown of the car while you are enroute. In such a situation, all you need is a reliable and quick solution. That's exactly what a roadside assistance add-on cover offers. It is an add-on cover in car insurance that ensures you don't have to struggle with a dead car on the road, be it at night, on highways, or in unfamiliar situations.
Even though offered as an add-on, roadside assistance cover is actually one of the most meaningful coverages. From on-the-spot repairs to fuel delivery and lockout assistance to battery jump-start, roadside assistance offers extensive benefits. In this guide, we will discuss all the essential benefits of roadside assistance and why it must be a part of your comprehensive car insurance.
What is Roadside Assistance Add-on Cover?
Roadside Assistance is an additional coverage that you may purchase along with a comprehensive car insurance policy. It provides immediate assistance in case your car breaks down unexpectedly while you are driving. This service offers 24/7 support for common emergencies such as a flat tyre, a dead battery, a vehicle breakdown, running out of fuel, or locked keys inside the car.
Rather than looking for local help during a stressful situation, the insurer will arrange for professional help at your location. Thus, it ensures safety and convenience for the driver and passengers.
One of the striking benefits of roadside assistance cover is the peace of mind it provides. The cover saves you the hassle of towing or repair work when you are travelling. The immediate availability of an exit, especially on unfamiliar roads or at night, is a huge relief. This add-on significantly raises the total worth of your car insurance policy and the protection for your four-wheeler.
Note: Roadside assistance add-on cover is typically available only with comprehensive or standalone own damage car insurance. You may not be able to buy one with third-party liability insurance.
Benefits of Roadside Assistance Add-on Cover
Some of the highlighted benefits of the roadside assistance add-on cover are discussed below:
1. 24×7 Emergency Support
At Generali Central, we provide Round-the-clock service under the roadside assistance add-on cover. You can request help at any time of the day, including during nights and holidays.
2. Repair on the Road
Common issues that may interrupt your journey, like a dead battery, last tyres, etc., are fixed on the road itself. You need not tow vehicles for this purpose.
Tip: Know some practical tips for tyre protection of your car to avoid issues like flat tyres.
3. Towing Assistance
In case towing is required for major repair works, your insurer will provide towing assistance for the car. The vehicle is taken to a nearby service centre of your choice for repair work.
4. Cost Savings
Having a roadside assistance cover means getting immediate help during your journey. You no longer have to stand clueless, as your insurer is there to provide the assistance you need, such as towing and repair work.
5. Peace of Mind
It is common to panic when the car breaks down in the middle of a journey, especially when travelling alone. However, having roadside assistance gives you the peace of mind that your insurer is there to help.
Exclusions of Roadside Assistance Add-on Cover
Not all breakdowns on the road can be covered under RSA. The conditions that are not covered fall under exclusions of the policy. Common exclusions under roadside assistance are:
1. Mechanical or Engine Damages
If your car suffers major damage that requires detailed repair or spare parts, it may not be included in this feature.
2. Damages Due to Accident
Accidental damages to the vehicle are typically covered under the base plan of own damages. It does not get covered under the roadside assistance add-on.
3. Breakdown Due to Negligence
Sometimes, poor maintenance or sheer negligence may also lead to the breakdown of the vehicle. Such conditions are not covered under the policy.
4. Limited Fuel Supply
In case your car needs fuel, a limited amount is provided. Apart from this limit, the cost of the remaining fuel has to be paid by the car owner.
5. Sub-Limits
The number of times you can claim roadside assistance may also be specified. Make sure to learn about the Sub-limits at the time of purchasing the add-on.
6. Use of a Car for Commercial Purposes
If a private car is used for the purpose of commercial work, it is no longer eligible to claim roadside assistance cover. Such damages remain out of the scope of the policy.
Who Should Buy Roadside Assistance Add-on Cover?
Roadside assistance is an additional benefit, which means it is a voluntary cover. So, as a car owner, it is essential to understand whether or not you need this coverage. Even though it is not a part of base cover, RSA is one of the most meaningful coverages. Breakdowns of cars can be unpredictable and sudden at times. Having a backup like a roadside assistance add-on cover can be a huge relief.
It is especially beneficial for car owners who frequently go out on long journeys or travel out of the city. Not only this, but solo travellers may also find it helpful.
To Conclude
Roadside assistance cover may offer specific coverage, but it plays a crucial role during unexpected emergencies on the road. Issues like flat tyres, a dead battery, leaving the key inside the car, an empty fuel tank, etc., can cause a lot of hassle.
However, when you have 24/7 roadside assistance by Generali Central, you need not worry anymore. Whether you are in the city or on highways, we will be there to assist you and help you out. If you are someone who drives out often, this add-on can be a meaningful coverage for you.
