Imagine you’re on a road trip with your buddies and your car unfortunately breaks down. The breakdown not only puts a break on your fun trip, but also causes problems getting help on a freeway or lonely road with little access to the city. That’s when roadside assistance comes in.
What is Roadside Assistance?
Roadside Assistance (RSA) is an additional cover that allows you to get help from your insurer if you encounter problems with your car while traveling. RSA cover can be purchased as top-up cover when you purchase or renew your Car insurance policy. The advantage of the RSA guarantee is that even if you request immediate assistance, it does not count as a claim on your primary insurance policy.
What is covered by Automobile Roadside Assistance?
The inclusions of an RSA guarantee depend on the insurance company issuing the guarantee. Typical coverage options available are listed below.
Flat tire: If your car has a flat tire, a mechanic will arrive on the scene and either change your tire or tow it to the nearest garage where it can be changed.
Battery problem: If the car’s battery has failed, a mechanic can help give it a boost to get it running again.
Fuel aid: Fuel starvation is a common occurrence. The RSA cover allows you to request up to 5 liters of fuel to top up your tank.
Failure requiring minor repairs: Any minor repairs that can be done on site will be covered by the RSA.
Misplaced keys: If you misplace your keys during your trip, the insurer can help you recover spare keys provided they are within a radius of 100 km.
Towing facility: In unfortunate circumstances where the car cannot be repaired on the spot and must be moved to a garage, the towing is paid for by the insurer.
Roadside Assistance Coverage Exclusions
Exclusions from the Roadside Assistance cover are as follows:
There is a limit up to which you can receive coverage benefits. For example, some insurers allow you to use coverage up to 4 times in a policy year.
Also, as with all auto insurance claims, coverage will not be provided if the driver is intoxicated, does not have a valid driver’s license, or violates any other condition of the police.
Why should you include roadside assistance in your car insurance policy?
While your basic insurance policy pays for damage or loss to the car, RSA coverage helps you immediately when you’re stuck in a crisis. It provides the convenience of calling for help when you’re on the highway or in a location that’s not easily accessible to a garage. So, RSA coverage gives you peace of mind and an overall sense of security regarding your car.
How does roadside assistance work?
Insurance companies list the guarantees available under the RSA guarantee. When you wish to make use of the guarantee, all you have to do is notify your insurer so that he can get in touch with a garage in the network closest to the place where you are blocked so that he can organize an intervention.
1. Will making a claim under my roadside assistance cover affect the non-claim premium?
No. Roadside assistance coverage does not affect your No Claim Bonus in any way.
2. Can I use Roadside Assistance on another car?
Roadside Assistance cover can only be used on the car covered by the policy.
3. Is roadside assistance included in the basic policy?
No, RSA cover is an add-on that you must purchase on top of your base policy.