Does Car Insurance cover Towing?
Does Car Insurance cover Towing?
Imagine getting stuck on the highway due to a flat tyre or dead battery. Or having an unfortunate accident hours away from home? These mishaps can make you extremely stressed and helpless as you are unsure how to proceed.
In India, there is no conclusive product called car towing insurance; it is often offered by insurance providers as an add-on or optional coverage under comprehensive motor insurance policies. However, if you wish to understand how insurance car towing service works during such mishaps, you need to first dig deeper into such add-ons, their additional towing charges cover, and how it works.
In this blog, we will cover all the necessary aspects of car towing insurance.
Does Car Insurance Cover Towing?
Car insurance typically does not include car towing cover; you need to combine a roadside assistance add-on with your comprehensive car insurance policy or standalone own damage policy.
When it comes to traffic rules and regulations, having third-party insurance for a four-wheeler is mandatory for all cars on the road to be able to drive fine-free. However, certain unforeseen circumstances can cause damage and loss to your car.
Hence, a comprehensive car insurance policy becomes imperative as it extends added financial assistance to the policyholder.
Let us understand roadside assistance in detail below.
Car Insurance With Roadside Assistance - Accidents
When your car meets with an accident, your base policy will cover all damages and losses incurred by your car. However, in case your car is damaged to a level of no functionality, the towing services are required.
In such cases, an insurance provider will either send towing services to you for pick-up or reimburse the towing charges later when you file a claim. However, you must have a roadside assistance add-on in your insurance policy to get this financial support.
Moreover, you must review the insurance policy beforehand to check the maximum coverage available for your car in case of towing. In some cases, the insurance provider also has a set number of authorised towing services, and reimbursement for towing charges is only applicable via these authorised towing services.
Car Insurance With Roadside Assistance - Other Car Issues
The level of financial support you receive from the insurer may vary depending on the type of car insurance you possess. However, with Tata AIG, you get a roadside assistance add-on that covers all towing services required to get your car to the garage for repairs.
Whether it is a battery failure, flat tyre, empty fuel tank, or other car issues that disrupted the journey for the policyholder, the roadside assistance add-on will ensure necessary towing services are available to help you out in this situation.
There might be some restrictions and limitations regarding the distance where towing services are required or the list of situations where towing services can be provided. Thus, it is always recommended to review your insurance policy terms and conditions to understand what is covered.
Things to Keep in Mind
Roadside assistance for towing car insurance benefits is an add-on rider. Thus, combining it with your base policy will incur a higher premium.
Be careful while reviewing the policy terms and conditions, as there might be certain restrictions and limitations on the level of coverage provided, acceptable distance, and more.
Also, check for the location of authorised towing services by the insurer to save time and effort later.
Tata AIG Car Towing Insurance
If you are looking for the best car insurance with roadside assistance, Tata AIG offers convenient processes to complete all requirements related to car insurance online on the website.
Along with towing services, roadside assistance offers various other benefits, like on-site repairs, fuel delivery, and more, to ensure full support in case of unexpected road emergencies.
We at Tata AIG also offer 12 other add-ons with our comprehensive car insurance plans to cater to the specific coverage needs of individuals. You can also enhance the coverage of your standalone own damage policy with add-on benefits.
You can combine the required add-ons with your base policy at the time of purchase or renewal, and you are all set.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Related Articles
Can we add roadside assistance with third-party car insurance?
Can we add roadside assistance with third-party car insurance?
No, there is no scope for customisation with third-party car insurance plans. If you wish to protect your car from unexpected damages and losses, you must invest in a comprehensive car insurance policy where you can combine roadside assistance with the base policy.
Is towing and roadside assistance the same thing?
Roadside assistance is a broader package that offers towing services as part of the other roadside assistance services. This helps the policyholder get the necessary support when stuck due to accidents, car-related issues, or other casualties.
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