Imagine you are going on a date with your girlfriend in your car. You plan to take her out for coffee but she doesn’t know that the coffee shop is outside the city. You smile as she looks pleasantly surprised as you take the car outside city limits. The roads widen, traffic lessens, and the concrete jungle fades away. She seems happy. But, your car breaks down after a few kilometers. The technical flaw is beyond your comprehension and there is no one to assist you. You try asking the locals for help but to no avail. The happiness on your girlfriend’s face turns into irritation as you stand beside her embarrassed and helpless. The pleasant surprise turns into a shock and the date is ruined.
Car breakdowns are a common occurrence and car insurance companies provide Roadside Assistance to help you in case of situations mentioned above. If your car insurance policy has this cover, you can simply call the insurer and let them know about the breakdown. They will send a mechanic at the earliest to take care of the issue and you can breathe easy.
Listed below are common occurrences where a Roadside Assistance cover might come in handy.
Helpline
You might know what’s wrong with your car but might not know how to address the concern. In such cases, you can get on a call with your car insurance company and they will guide you to solve the issue. This way, the problem can be solved immediately as you won’t have to wait for a mechanic to arrive.
Battery Jump Start
Sometimes, a car’s battery dies down and doesn’t start in spite of repeated attempts. Usually, this means it needs immediate attention and needs a jump start in case you are stranded.
Flat Tire
Flat tires are common. They can derail your journey. Roadside Assistance proves helpful in situations where the damaged tire needs to be replaced.
Towing the Car
The mechanic sent by your insurance company might not be able to resolve the issue then and there, and your car might be required to be towed to a garage. In such a scenario, the insurance company shall provide towing assistance.
Refueling
Car’s fuel meter might not show you an accurate picture if it is faulty, leading to stoppage. The car can run out of fuel due to leakage and stop. If refueling works, such assistance can be provided and the leakage can be repaired.
Enhanced Cover
Some insurance providers even go to the extent of providing accommodation for those policyholders who have been stranded due to car breakdown. Some arrange for transportation as well.
How To Purchase Roadside Assistance Cover?
Roadside Assistance cover can be purchased while you are buying or renewing your car insurance policy. Note that such Add-ons can only be purchased with a Comprehensive Car Insurance policy. You just have to add this to your policy while you are purchasing it online. Check if it has been included in your package before making the online payment and verify again after receiving your policy document. Always keep a copy of your car insurance policy in your vehicle. It is mandatory as per law as well as necessary for quick reference in case of raising a claim.
Comprehensive Insurance
Comprehensive insurance coupled with suitable Add-ons such as a Roadside Assistance cover results in the best car insurance in India. Roadside Assistance cover is ideal for new drivers as well as experienced ones. It doesn’t cost much and provides an extra layer of insurance to your car insurance policy. Accidents are unpredictable but taking precautionary measures against them is in your hands.