Roadside Assistance Or Emergency Assistance Cover in car insurance is a great Add-On to have with you basic car insurance plan. It offers some great service in case you are completely stranded. These will come in handy in case you are stuck with no or little access to help in your immediate vicinity. The below mentioned points are the typical help which is provided in case you take this additional cover.
Repairs in case of minor Breakdowns – In case your vehicle is immobilised and can be repaired by a mechanic without the need of spare parts, the company will send a mechanic to help you with the same.
Vehicle re-location to garage – In case your vehicle cannot be repaired on the spot, a recovery vehicle will be sent to take it to the nearest garage.
Flat Tyre – In case of a flat tyre, the company will send a mechanic to help you replace the flat tyre. This is possible only if you have a spare working tyre which can be used. In case there is no spare tyre in the car of more than one tyre needs to be replaced, help would be provided to get the flat tyres fixed at the nearest garage. The cost of repairing the flat tyre will have to be borne by you.
Locked out or lost your key – In case you have locked the car with the key inside (Yes, some of us have done that!) or have lost the key, the company will send a mechanic to assist you in opening the car without any damage. In case of a lost key, arrangements would be made to provide a new set. The cost of key replacement would have to be borne by you though.
Ran out of Fuel – In case you run out of fuel, a person will be sent with an emergency tank of fuel to help you reach the nearest fuel station. The cost of fuel will have to borne by you.
As you can see, most of this is in the form of a service which can be very useful in case you are stranded.
For the cost at which this support comes, this add-on cover makes a lot of sense.
Note- Each insurance company may have small variations in this add-on. Refer to the Policy-Wordings of the individual plans for exact details.