Who Should Buy Emergency Assistance?
Always check the terms and conditions of the car insurance to buy emergency assistance cover. However, you must also assess whether it is important to you. No matter how much you travel or what type of car you own, having both coverages would be extremely helpful.
Some of the key people who should get the respective covers on the car insurance online include the following:
1. New Drivers
If you're a new driver, you're likely to struggle with emergencies. You may not know how to deal with a flat tyre or a dead battery. With the emergency assistance cover on your vehicle insurance, you will get immediate help. You can submit a car insurance request online, and the experts will be available to help you. With professional support, you'll be able to get back on the road with full safety support. In case of accidents, you can also file the insurance claim online.
Read More: How to File Car Insurance Claims Online
2. Frequent Travellers
Do you travel frequently? You may be aware of the challenges on the road. Whether it's long drives, road trips, or intercity travel, you need assistance coverage. The cover will ensure immediate, guaranteed assistance, even in remote areas. Therefore, you can avoid the stress of unexpected delays while staying on the schedule.
3. Old Vehicle Owners
Old vehicles are more prone to damage due to frequent mechanical failures and breakdowns. Integrating emergency assistance cover on your vehicle should be really helpful. In case of any emergency, you reach out to your car insurance company. You can save a significant amount on quick repairs and tow services. However, it is advisable to consider a zero-depreciation cover for your vehicle.
Read More: How Zero Depreciation Car Insurance Works
4. Long-distance Travellers
If you are setting out on a long road trip or vacation, get the emergency assistance coverage you need. The cover will assist in case of an emergency. Therefore, no matter where you travel, you will enjoy uninterrupted travel. Furthermore, expert help will also always be available to assist you through the process.
Read More: How to Protect Your Car in Storage
Can I Buy Roadside Assistance Cover if I Don't Have Comprehensive Car Insurance?
Roadside assistance is typically only available as an add-on to comprehensive car insurance and is not included in independent third-party policies.
Roadside assistance is usually included with full coverage auto insurance because it enhances the overall protection of your car. Most of the time, third-party plans only cover statutory liability.
But this depends on the car insurance company and the policy's terms, so it's essential to read the policy carefully.
In case of an emergency, how do I reach out to the team?
You can usually get help by calling your insurance company's customer service number or, if they have one, using their mobile app.
Most insurers offer help 24/7. Once you get in touch with them, you may need to provide your policy number, information about your car, and your current location. It is then usually up to the case and coverage terms to choose a service provider.
Response times and service access may vary by location and under different car insurance policies.
Expert Note
This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.
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