3 Common Myths About Roadside Assistance in Four-Wheeler Insurance

Imagine you are on a road trip with your friends late at night. You are driving the car, music is playing and everybody is having a good time. Suddenly, your car breaks down in the middle of a deserted road. There seems to be no garage in sight. What would you do now? Not only does the repair of your car seem difficult but the mood of the trip is also ruined. It is for such situations that four-wheeler insurance companies provide roadside assistance cover.

Roadside assistance cover provides aid to the insured policyholder during car breakdowns. With car usage in India increasing day by day, an awareness of this particular add-on can be immensely helpful to many. In this article, we look at 3 common myths about roadside assistance in four-wheeler insurance and learn the truth behind them.

 

#1 - Roadside assistance offers aid for mechanical and electrical- induced breakdowns only

 

This is not true as this add-on can prove beneficial in many situations. Though the coverage offered under this cover may differ from insurer to insurer, a good roadside assistance package will help you during the following situations- 

I. Breakdown due to battery issues - If your car has broken down due to battery issues in the middle of the road, you can contact your four-wheeler insurance provider and they will provide you aid in jumpstarting your car and resolve any other battery issues urgently.  

 

II. Breakdown due to a flat tire - In case your car breaks down because of a flat tire, your insurer can help you out no matter where you are.

 

III. Provision of fuel - An almost empty fuel tank and no petrol station nearby is a nightmare for most car owners. In case you are ever stuck in such a situation, your insurer will come to your rescue with fuel supply so that you may continue your journey smoothly. 

 

IV. Towing - Your car has broken down and nobody is around to help you tow your four-wheeler to the garage? Fret not, your insurer can help you here as well by arranging for the towing of your vehicle to the nearest garage.  

 

V. Besides these, your roadside assistance cover can also arrange for

 

- spare keys in case you have forgotten your car key inside the car

- alternate transport while your car gets repaired 

- accommodation for you in the vicinity of the garage where your car is being repaired

 

#2- Roadside assistance cover is only for people who travel long distances or at night  

 

There is a reason why roadside assistance in your four-wheeler insurance policy is available 24/7 and not just at night. Your car can even break down in the afternoon as you are returning from a meeting on your way back to your office. If you have opted for the roadside assistance add-on, you can get much-needed help out of this situation. There are many such scenarios that can leave us stranded and in need of assistance while commuting in our vehicles. So, the myth that you only need roadside assistance if you are traveling long distances or at night does not hold true.

#3 - Roadside assistance cover will affect my NCB 

 

It is possible that you may use roadside assistance cover more frequently than other add-ons or benefits in your four-wheeler insurance plan. This might make you wary of opting for roadside assistance as you may feel that it will affect your well-maintained no-claim bonus (NCB). This is an unnecessary worry as taking benefit of your roadside assistance cover is not considered as raising a claim. So, if you have maintained a good claim-free streak, then you can get the NCB discount even though you may have used roadside assistance. 

 

Do bear in mind that the roadside assistance cover is subject to the terms and conditions of the insurance policy. It is advisable to read the policy wordings carefully before taking any decisions.

We hope this article has cleared the common myths related to roadside assistance in four-wheeler insurance.


READ MORE - 4 things to check before getting comprehensive two wheeler insurance online