In today’s times, when everyone travels long distances in their car—whether it’s to work, a trip to a hill station, or a long drive on the highway—the possibility of a breakdown always looms. In such a situation, “roadside assistance insurance” is coverage that can help you in difficult times. But the question is, is this insurance really worth your money? Let’s explore the details.
What is Roadside Assistance Insurance?
Roadside assistance insurance is an add-on coverage that comes in handy when your vehicle is stranded on the road due to a technical fault or accident. This insurance is designed to provide repairs, towing, or necessary assistance to avoid the hassle of being stranded on the road.
This service can usually be availed at an additional premium with your car insurance plan. Some major insurance companies, such as ICICI Lombard, Bajaj Allianz, HDFC Ergo, and Tata AIG, offer this service to their customers.
How It Works
Suppose you’re traveling on a deserted highway and suddenly your car’s tire blows out or the engine stops working. In such a situation, you can call the roadside assistance helpline. The insurance company immediately dispatches its assistance team to the scene to replace the tire, jump-start the battery, or, if necessary, tow the vehicle to the nearest service center.
Sometimes, if repairs are not possible, the insurance company also provides hotel accommodation or a ride home. This means you don’t have to feel stranded on the road.
What is covered under roadside assistance insurance?
This insurance covers several services, which can vary depending on the situation. These typically include:
- Towing Service: If your vehicle is undriveable, it is towed to a service center or your home.
- Flat Tire Assistance: If a flat tire is found, a technician will come to the scene and replace it.
- Battery Jump-Start: When the vehicle’s battery dies, the team provides a jump-start.
- Fuel Delivery: If the petrol or diesel runs out during the trip, some companies deliver a limited amount of fuel.
- Lockout Service: Assistance is provided if the keys are accidentally locked inside.
- On-Site Repair: Covers services for minor technical issues such as engine problems, wiring, or belt replacement.
When Does This Insurance Prove Useful?
This insurance is useful for anyone who frequently travels on highways or long distances. While new vehicles are often reliable, older vehicles are more prone to breakdowns. This insurance provides peace of mind.
It is also very beneficial when traveling with family or in areas where a nearby mechanic or petrol pump is not available. This insurance proves to be a great relief in areas outside cities or hilly areas.
How Much Does Roadside Assistance Insurance Cost?
This coverage is not very expensive. Insurance companies typically offer this as an add-on to your basic car insurance plan for ₹500 to ₹1500 per year. The amount depends on the company, vehicle type, and the extent of the services.
If you avail this feature in a premium policy, you may also receive more advanced services such as hotel stays, trip continuation, or a backup vehicle.
Is it claimable in every situation?
No, this insurance is not applicable in every situation. For example, if the vehicle is intentionally driven in a wrong manner, damaged while off-roading, or if the insurance conditions are violated, the company may reject the claim.
Similarly, if your vehicle is already in poor condition and you use it after purchasing the policy, some limitations may apply in the initial days. Therefore, it is important to read the policy terms carefully.
Benefits of Roadside Assistance
The biggest benefit of this insurance is “peace of mind.” Knowing that help is available at any time makes traveling easier. It also saves time and money, as private towing services can be very expensive in the event of an unexpected breakdown.
Another major advantage is that this service is available 24/7—day or night, city or highway. You just make a call, and help arrives immediately.
Some Limitations of This Insurance
Like every insurance, this insurance also has some limitations. For example, the insurance company usually provides towing services only for a certain distance. If the distance exceeds that limit, additional charges may apply.
Similarly, some services are available only a limited number of times per year. For example, roadside assistance is free for three or four times, after which an additional charge is levied. Furthermore, if the vehicle is very old, some companies may refuse to provide this service.
Should You Get This Insurance?
If you’re someone who travels frequently, drives to new places, or drives alone over long distances, this insurance is very useful. It provides not only financial security but also mental balance.
However, if your vehicle is very new, is used within the city, and you have access to a showroom with 24×7 service, this insurance may not be as necessary for you. Still, it acts as a “safety net”—a safety net that can come in handy in case of any emergency.
Conclusion
Roadside assistance insurance is an investment that offers great comfort at a small cost. It not only protects your vehicle but also helps you in difficult situations. When your vehicle breaks down on the road and help is not available, this insurance becomes your true companion.
