• To operate your motorised vehicle on Indian roadways, you must ensure that you possess an active and valid insurance policy. All vehicle owners are required to invest in a third-party limited liability insurance plan as stipulated by the Motor Vehicle Act of 1988. However, this type of policy offers limited coverage. If you want to safeguard your vehicle against natural disasters and human-made events, you will need comprehensive insurance. This kind of plan also lets you obtain extensive coverage through add-on riders, one of which is roadside assistance or RSA. Let us explore what RSA in car insurance entails and why it is important.

What Is Roadside Assistance in Car Insurance?

• As indicated by its name, roadside assistance is the immediate help you can receive if your vehicle experiences a breakdown, particularly when you are caught off guard. It is a form of add-on rider that allows you to contact your insurance provider for help in jumpstarting your vehicle’s engine, replacing a flat tire, obtaining enough fuel to reach the nearest petrol station, or even towing your vehicle to the closest garage. Essentially, a roadside assistance cover aids you in handling annoying situations when your vehicle breaks down or fails and offers relief. Most car insurance providers in India include roadside assistance as an add-on option to comprehensive car insurance policy plans.

How Much Does Roadside Assistance Cover Cost?

• The price of roadside assistance cover in car insurance differs among insurance providers. The basic price of the roadside assistance add-on cover is influenced by several factors relating to the type of vehicle you own and its age. For example, the premium cost for RSA for sedans, compact cars, and hatchbacks is typically lower than that for SUVs, MUVs, and luxury vehicles. Geographic factors such as the city you live in, the availability of garages, and more also influence the price of the RSA insurance premium.

How Roadside Assistance Cover Works

• If your vehicle undergoes an unexpected breakdown, you do not need to rush to find assistance. Instead, you should call your car insurance provider and inform them of your situation. The insurer will then reach out to the nearest garage within its network, and a representative from the garage will arrive at the location where you are stranded with your vehicle to assist you. The garage mechanic will either fix your vehicle or tow it to the garage depending on the nature of the breakdown. You can also request assistance to refuel your vehicle up to the nearest petrol station; however, you will need to cover the fuel costs. Since you have already paid a premium for this cover, you will be reimbursed for expenses up to the sums assured under the roadside assistance cover. You will be responsible for any remaining costs from your own funds.

Minor repairs:– Your vehicle may require minor repairs if it experiences a mechanical issue. In such instances, you can request roadside assistance.

Battery breakdown:-If your car’s battery dies, the insurance company will dispatch a mechanic from a network garage to address battery issues and even offer a jumpstart if needed.
Flat tyre:-A flat tyre or puncture is a common issue faced by all vehicle owners. You can contact your insurer for assistance in fixing the flat tyre. The insurer will send a mechanic to replace the tyre or supply you with a new tyre if necessary.

Towing services:-If you are unable to repair your disabled vehicle on-site, you can request towing services. The towing service provider will transport your vehicle to the nearest garage for essential repairs.
Spare key provision:-If you misplace your vehicle’s key or are locked out of it, you can reach out for roadside assistance. The mechanic may utilize a slim-jim tool or bring a key maker to provide you with a spare key.

Your insurance provider has the right to deny you the roadside assistance coverage services if you are intoxicated while operating your vehicle or have engaged in any illegal activities.

Who Should Take Roadside Assistance Cover?

• Roadside assistance is an add-on that everyone should think about purchasing, as it offers support in various unexpected situations. You should particularly consider it if you frequently travel in your car or if you believe you may not be adequately equipped to change a flat tyre or handle minor or major vehicle breakdowns independently. Ideally, you should choose roadside assistance to always feel secure and protected while driving. However, there are some factors you might consider before obtaining roadside assistance coverage, including.

Age of your car:-If your vehicle is brand new, you may not require roadside assistance coverage. Roadside assistance might be more beneficial for individuals with older vehicles.
Frequency of use:-If you are a frequent vehicle user or even use it for long-distance travel, it is advisable to obtain the coverage.

Convenience:-If you prioritize convenience in an emergency, you will find roadside assistance advantageous.

FAQs
How quick can roadside assistance services provide help?

• Generally, roadside assistance is prompt, and you can receive help within an hour. Insurers have affiliations with garages nationwide to deliver immediate aid.

How much does roadside assistance cover cost?

• The cost will vary based on the insurance provider and the type of vehicle you own. Some providers include roadside assistance with the base policy, while others offer it as an optional add-on.

Can I buy roadside assistance cover in car insurance online?

• Yes, you can purchase roadside assistance coverage online along with your car insurance. You can investigate online about the insurers providing this add-on.

Disclaimer: For more information on risk factors, terms, and conditions please read the sales brochure carefully before finalizing a sale. *The discount amount will differ according to vehicle specifications and registration location.