Roadside Assistance in Car Insurance
Roadside Assistance in Car Insurance
Roadside Assistance or RSA is an essential coverage that protects vehicle owners against various emergencies such as a car breakdown, fuel shortage, and more. These types of emergencies can leave car owners stranded on the road with no help. But with car roadside assistance cover, help will be just a phone call away, 24 hours a day.
The car insurance with roadside assistance is especially beneficial for frequent long-distance travellers or daily commuters. This coverage not only saves you time and stress but can also prevent potentially dangerous situations from escalating. In this guide, we will learn in detail about the roadside assistance insurance coverage.
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What is Roadside Assistance in Car Insurance?
Roadside Assistance or RSA is a voluntary add-on available under own-damage and comprehensive car insurance policies. The purpose of this add-on is to offer emergency services when your vehicle breaks down or experiences mechanical failures while on the road.
With this add-on, car owners can get professional assistance at the earliest without relying on local mechanics and service providers.
Benefits of Car Insurance with Roadside Assistance
A car insurance policy with roadside assistance offers numerous benefits to vehicle owners. Some of the benefits of car roadside cover are listed below:
Comprehensive Service Coverage
Roadside assistance in car insurance offers comprehensive service to car owners. These services include battery jump-start assistance, towing services, flat tyre replacement, emergency fuel delivery, locksmith services for key-related issues, minor on-spot repairs, and even accommodation arrangements if repairs require extended time.
Professional Technical Support
Another crucial benefit of roadside assistance in car insurance is to get service from trained and skilled professionals. These professionals possess practical knowledge and expertise in efficiently addressing various vehicle problems. This expert assistance helps prevent further damage and ensures proper handling of your vehicle.
Cost-Effectiveness
The car roadside cover offers significant cost savings on emergency services. The expenses related to breakdowns can be substantial, particularly for towing over long distances or late-night services. But with roadside assistance cover in car insurance, vehicle owners do not have to worry about the hefty mechanic bills.
Safety and Security
This coverage prioritises driver safety by ensuring prompt assistance in potentially hazardous situations, such as breakdowns on busy highways or in isolated locations. Knowing that professional help is just a phone call away significantly reduces anxiety and stress associated with unexpected vehicle problems.
TATA AIG Roadside Assistance in Car insurance
TATA AIG offers roadside assistance coverage with a standalone own damage and comprehensive car insurance policy. These are bundled car insurance plans that can be customised based on your vehicle needs.
The purpose of the cover is to take care of your vehicle and your worries in the unfortunate event of an accident or breakdown. Under this coverage, a wide range of services is provided to assist you within the covered geographical territory during emergencies. The services covered under the TATA AIG car roadside assistance cover are:
- Service for Flat Tyre
- Flat Battery
- Repair on the Spot
- Fuel Support (Emergency Fuel Delivery)
- Emergency Towing Assistance
- Spare Key Retrieval or Service for Key Locked Inside
- Continuation or Return Journey (Taxi Support)
- Emergency Message service
- Pick up the vehicle for repair
- Hotel Accommodation
However, to avail or request roadside assistance services, you need to comply with the TATA AIG terms and conditions, which are:
- You need to call without delay on the toll-free or helpline number.
- You need to get prior approval before taking any initiative or incurring any expenses.
- It is crucial that you need to follow all reasonable measures to limit and prevent possible consequences of the vehicle breakdown.
How Roadside Assistance Cover in Car Insurance Works?
The roadside assistance (RSA) cover in a car insurance plan is designed to help you when your car breaks down unexpectedly. Here’s how it works, with a simple example.
Sakshi has a TATA AIG comprehensive car insurance policy that includes roadside assistance for her Baleno. One evening, while driving home from work, her car suddenly broke down on the highway because of a dead battery.
Stranded alone with no repair service nearby, Sakshi immediately calls the TATA AIG Roadside Assistance helpline and explains the situation. Within a short time, help reaches her location and provides a battery jump-start service. When the issue is not fixed on the spot, towing assistance is arranged to take the vehicle to the nearest authorised garage.
The entire process is quick and hassle-free, ensuring that Sakshi gets reliable support without dealing with complicated claim procedures or worrying about their insurance benefits.
Also Read: Car Insurance Add-on Covers
Key Features of TATA AIG Roadside Assistance Cover
| Key Features | Details |
|---|---|
| Flat Tyre Services | In the event when your car is immobilised due to the flat tyre, the coverage will provide the assistance of a vehicle technician to repair the flat tyre at the location. |
| Flat Battery | If your car stops working because of a dead battery, a technician will be sent to help jump-start it. If the battery needs to be replaced, you will have to pay for the new battery and any related expenses. |
| Repair on the Spot | If your car breaks down due to a minor mechanical or electrical issue and can be fixed on the spot, a technician will be sent to repair it at your location. |
| Service for Keys Locked Inside or Spare Key Retrieval | If your car keys are locked inside, lost, or misplaced, help can be arranged either by sending a spare key from your home or office or by sending a technician to unlock the car. |
| Fuel Support | In the event when a vehicle is immobilised due to insufficient fuel, you will get the fuel support up to 5 liters on a chargeable basis at your location. |
| Emergency Towing Assistance | If the vehicle is immobilised due to an accident or mechanical or electrical fault, then you will get the emergency towing service to the nearest garage within the radius of 25 Kms. |
| Emergency Message Service | In the event of an accident or breakdown of the vehicle, an urgent message will be sent to the person of your choice. |
| Taxi Support | If your car breaks down outside your home city and can’t be repaired the same day, assistance will be provided to arrange alternate transport, such as a taxi, to continue your journey or return home. |
| Hotel Accommodation | If your car breaks down and can’t be repaired the same day, help will be provided to arrange hotel accommodation near the breakdown location. You will need to pay for the stay directly to the hotel |
| Pick up of Repaired Vehicle | If your car breaks down or meets with an accident outside your home city and can’t be repaired the same day, assistance will be provided to arrange a driver to pick up the vehicle from the garage and deliver it to your desired location once it’s repaired. |
Inclusion and Exclusion of Roadside Assistance in Car Insurance
| Inclusion Under Roadside Assistance Coverage | Exclusion Under Roadside Assistance Coverage |
|---|---|
|
Intentional Damage: If the vehicle breakdown or damage is intentional or due to negligence, then it will not be covered. Traffic Rule Violations: If the damage and loss to the insured vehicle is due to traffic rule violations, then it will not be covered. Service Outside Policy Terms: If vehicle owners require service that is not mentioned in the policy, it will not be covered. Natural disasters: Roadside assistance services will not be provided during natural disasters such as earthquakes, floods, etc. |
Things to Know Before Buying Roadside Assistance in Car Insurance
When opting for a Roadside Assistance (RSA) add-on, it is essential to be aware of a few key details. Here is what you should keep in mind:
Available Only with Comprehensive or Own Damage Insurance
RSA is an add-on that can only be purchased alongside a comprehensive or own damage car insurance policy. It is not available for third-party insurance plans.
Additional Premium Required
Adding RSA to your policy requires paying an extra premium. While it enhances your coverage, it will slightly increase the overall cost of your policy.
Check Service Availability
Insurers may offer a limited set of services under the RSA cover. Review the policy document carefully and confirm with your insurer to ensure the services you need, such as towing or fuel delivery, are included.
No Impact on NCB
Using RSA services will not affect your No Claim Bonus (NCB). These services are considered separate from claims and do not impact your NCB accumulation.
Also Read: NCB in Car Insurance
When Can You Buy Roadside Assistance Cover?
You can buy roadside assistance on two specific occasions:
- During the initial purchase of a new car insurance policy, you have the option to include roadside assistance as an add-on.
- You can purchase roadside assistance during the renewal of an existing car insurance policy.
Since roadside assistance coverage is an add-on, including it in your car insurance policy will impact the premium.
How to Buy TATA AIG Car Insurance with Roadside Assistance Cover?
Buying a car insurance policy with roadside assistance cover is easy with TATA AIG. Here is how you can easily buy a plan.
- Go to the TATA AIG website, head to the “Personal” section and choose the “Car Insurance" option under Motor Insurance.
- Click on the “Insure your brand new car” option, enter the vehicle details such as brand, variant, etc., and then click on the “Continue” button.
- Various car insurance plans will appear, choose an own-damage or comprehensive car insurance plan and include a roadside assistance add-on.
- Once done, proceed with the CKYC process and then initiate the payment process using the preferred payment method.
- Upon successful payment, the car insurance plan with roadside assistance coverage will be sent to your email address.
How to Renew TATA AIG Car Insurance with Roadside Assistance Cover?
If your car insurance with roadside assistance is about to expire, then you can renew it easily from the TATA AIG website. Here is how you can do that:
- Go to the TATA AIG website and navigate to the “Renewal” section and select the “Car” option.
- Enter either the car insurance policy number or vehicle registration number, and then click on the “Renew” button.
- Modify or update your existing car insurance policy coverage. You can also add or remove the add-ons based on your needs.
- After that, review the policy details carefully. Ensure everything entered is correct and then make a payment.
- After successful payment, the renewed car insurance policy with roadside assistance coverage will be sent to your email address.
Also Read: Buy/Renew Tata Car Insurance Online
How to Claim Car Insurance for Roadside Assistance Cover?
In the event of an emergency, such as a flat tyre or fuel shortage, availing the roadside assistance service from TATA AIG is easy. Here is how you can claim a car for roadside assistance cover.
Step 1: Notify TATA AIG RSA Helpline
As soon as the incident occurs, call the TATA AIG RSA helpline number (022-6489-8282) immediately. You need to explain the incident to the customer support executive.
Step 2: Provide Essential Information
Provide necessary details to the customer support staff, such as the location of the incident, policy number, nature of the problem, and contact number.
Step 3: Policy Verification
The representative will then verify the policy details to confirm if the RSA coverage is a part of the car insurance plan.
Step 4: Service Dispatch
After successful verification, we will dispatch the appropriate service provider or technician to your location.
Step 5: On-Site Assistance
The service provider will offer you on-site repair assistance. However, if the issue cannot be resolved on the spot, then we will arrange for a towing service.
Documents Required for Roadside Assistance in Car Insurance
Here is the list of documents that come in handy at the time of using the roadside assistance cover:
- Copy of car insurance policy document
- Copy of vehicle registration certificate
- Copy of driving licence
- Vehicle details such as model, variants, etc
- Policyholder Information, such as name, age, contact details, etc.
- Any other details asked by the TATA AIG representative
Key Takeaways
Car insurance and roadside assistance coverage go hand in hand. Roadside assistance coverage ensures you get prompt help during breakdowns, accidents, or key-related issues, making your journey safer and hassle-free while complementing your insurance protection.
It is a valuable addition to your car insurance policy as it saves you from the hefty out-of-pocket expenses during an emergency breakdown of your vehicle. If you are looking to buy car insurance with roadside assistance cover, TATA AIG offers a customised plan tailored to your vehicle needs at a very affordable price.
Our roadside assistance cover offers 24/7 emergency support services designed to get you back on the road quickly and safely. Along with this, our comprehensive car insurance policy offers various other add-ons like zero depreciation cover, engine security and more to enhance the vehicle coverage.
Our car insurance plan also comes with various features like no claim bonus discount, a wide network of cashless garages and quick policy issuance. If you want to buy car insurance with roadside assistance coverage, visit our website now.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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