What was planned to be a relaxing time spent with each other became a nightmare when our car broke down midway and that too on a deserted part of the road.
Right after endless efforts of attempting to get the car to move, we called one of our friends who obliged us by picking us up and taking us to a nearest garage where the mechanic helped us tow line our car to the garage to get it fixed. Our Sunday was ruined and thus when We heard about roadside help facility from our auto mechanic Used to do some research.
Turned out that insurers provide Roadside Assistance as an add-on cover in their car insurance policies where by paying a minimal amount, you can insure yourself from the hassles faced if your vehicle breaks down because of to any reason and you get stranded.
So what happened with me is not a standalone incident. Car breakdowns happen with almost all of the car-owners. Be it due to battery issues or engine issues, car breakdown in the midsection of your journey demonstrates cumbersome. Therefore, insuring against such contingency is a prudent choice.
Nowadays, motor insurance providers have Roadside Assistance facility as an accessory cover that can be attached to the basic plan for a far more comprehensive coverage. The premium involved is very low and thus it also takes care of the affordability factor.
Particular insurers like Reliance Basic Insurance has even long gone one step further to offer the add-on cover as an inbuilt complimentary cover with all car insurance policy plans offered either purchased through an agent or online. The feature is called ‘Anywhere Assist’ helping in case of any breakdown which too free of cost.
Other insurance providers, however, offer this feature as an add-on cover which is optional according to the policyholder’s choice. The superior charged depends upon many factors which mostly include the age of the car, older the car, more the chance of mechanised failures, higher the superior.
Now let us take a peek into what the coverage promises to provide. Although scope of coverage varies from insurer to insurance provider, there are a few coverage features which are universally available like:
Battery Breakdown – this is to provide for battery breakdown and where the battery needs a ramp up
Minor repairs ~ the insurer sends aspects to look after minor complete breakdowns faced by you.
Toned tyre – let’s face it, flat tyres are as common since the common cold. So when there is a flat tyre, a call to the insurer will ensure that help comes to you
Towing – when your car breaks down, dragging may be required to tow it to the nearest garage or class of your choice. This particular facility is also provided under the cover.
Dotacion of spare keys : as silly as it may sound; some of us accidently leave our keys inside the car and lock it right behind us. In that situation and even in circumstance the vehicle keys are lost, a spare key is provided to resolve the matter
Energy provision – in the event you face an empty tank half way the journey, the insurance company sends fuel supply so that you don’t have to research for the petrol place which might not exactly be available for miles
Certain other features are available and are unique to certain plans like:
Accommodation ~ in case of an important car breakdown which will take considerable time to be repaired, the insurer may also give hotel accommodation.
Alternate transport – alongside with hotel accommodation, transport facility such as a hired taxi is also provided for transportation to the hotel or garage.
Guidance for minor faults – if your car is experiencing small defects, the insurer could also provide guidance on the phone should you be not ready to wait for the mechanic.
Though, the side of the road assistance cover provides for the above mentioned protections, yet, it should be kept in mind that the charges for purchasing the assistance need to be met form your wallet and the insurer simply facilitates availability. For instance, in case of fuel dotacion, the insurer will send you fuel supply but the charge of the fuel will be paid by you, or in case of towing, the garage and mechanic expenditures need to borne by the policyholder.
However, besides the charges involved, having a roadside assistance cover is beneficial because it significantly reduces the hassles included by providing ready supply of service. You will anyhow have to bear the fuel or mechanic’s expense yourself even without the cover but at least the cover will ensure prompt service.
Therefore , today when cars are becoming almost a necessity for the modern man and insurance coverage is mandatory for all cars, it is always best to ensure a comprehensive coverage for an all-round protection through various add-on covers provided by insurers, roadside help being one of them.