Roadside Assistance Cover in Car Insurance

Benefits of SBI General Roadside Assistance Car Insurance Cover

The roadside assistance cover from SBI General offers numerous advantages for drivers:

1. Quick Response: SBI General Insurance ensures a swift response to your distress call, minimizing the time you spend waiting for help.
2. Comprehensive Services: The RSA cover provides a variety of services, including towing, battery jump-starts, fuel delivery, and locksmith services if you lock yourself out of your vehicle.
3. Peace of Mind: Knowing that assistance is readily available allows you to drive with confidence, enhancing your overall driving experience.

What’s Covered in Roadside Assistance Car Insurance Add-on?

SBI General's roadside assistance in car insurance covers a range of services designed to help you during a vehicular emergency. Key features include:

• Towing Service:

  If your car is unable to move due to mechanical failure or an accident, towing services will transport your vehicle to the nearest repair facility.

• Flat Tire Assistance:

  If you experience a flat tyre, RSA provides help to change your tyre or arrange for towing.

• Fuel Delivery:

  If you run out of fuel, you can request fuel delivery to get you back on the road.

• Locksmith Services:

  In the unfortunate event that you lock your keys inside your car, locksmith services are available to assist you.

• Battery Jump-Start:

  If your car's battery dies, roadside assistance cover includes battery jump-start services.

What’s Not Covered in Roadside Assistance Car Insurance Add-on?

While the RSA cover provides extensive support, there are some limitations:

• Pre-existing Conditions:

  Any breakdown due to pre-existing conditions may not be covered.

• Mechanical issues outside warranty:

  If your car has mechanical issues outside the warranty period, RSA won't cover it.

• Exclusions for Certain Areas:

  Assistance may not be provided in remote locations or during extreme weather conditions.

• Non-mechanical Failures:

  Issues such as vehicle vandalism or theft are generally not covered under roadside assistance cover.

Who Should Purchase Roadside Assistance Car Insurance Cover?

Roadside assistance cover is beneficial for:

• Frequent Travelers:

  If you often drive long distances, having RSA in car insurance is a smart choice.

• New Drivers:

  Those who are new to driving may feel more secure knowing help is available in emergencies.

• Older Vehicles:

  Owners of older cars that are more prone to breakdowns should consider roadside assistance cover to avoid unexpected expenses.

• Families:

  Families travelling with children may find it comforting to have roadside assistance readily available.

Conditions for Using the Roadside Assistance Car Insurance Add-on

To effectively utilize the roadside assistance cover, be aware of the following conditions:

• Policy Activation:

  Ensure that your RSA cover is active and included in your car insurance policy.

• Geographical Limitations:

  Know the areas where RSA services are available, as some policies may have restrictions.

• Emergency Protocol:

  Familiarize yourself with the procedure for requesting assistance, including having your policy details on hand.

Factors To Consider Before Choosing Roadside Assistance Car Insurance Cover

When selecting an RSA cover, consider:

1. Coverage Options:

   Review what services are included to ensure they meet your needs.

2. Response Time:

   Check the provider's average response time to ensure timely assistance.

3. Network of Service Providers:

   A broad network of garages can help ensure quicker service in emergencies.

4. Cost of Add-on:

   Evaluate the cost of the RSA cover relative to the services offered.

How Much Does a Roadside Assistance Car Insurance Cover Cost?

The cost of RSA cover in insurance varies based on several factors, including:

• Insurance Provider:

  Different providers offer varying rates for similar coverage.

• Type of Vehicle:

  The type of car you own can influence the premium.

• Coverage Limits:

  More comprehensive coverage may come with a higher price tag.

Typically, adding roadside assistance to your car insurance policy may range from a few hundred to a couple of thousand rupees annually.

How to Buy/Renew Roadside Assistance Car Insurance Cover?

Purchasing or renewing roadside assistance cover is straightforward:

1. Provide Details:

   Visit the SBI General Insurance website or download mobile app, enter your car and personal details, and get a quick quote.

2. Customize Coverage:

   Select the coverage and RSA add-on.

3. Make Payment:

   Complete your payment online and receive your policy directly in your email.

How To Claim Roadside Assistance Cover in Car Insurance?

Claiming roadside assistance is a simple process:

1. Contact Your Insurer:

   Call the dedicated roadside assistance number provided by your insurance company.

2. Provide Policy Details:

   Share your name, policy number, and vehicle registration details. Some insurers may retrieve this information using your registered mobile number.

3. Describe the Issue:

   Explain the problem you are facing with your vehicle, such as a breakdown or needing a tow. The insurer will assess the situation and determine the appropriate assistance.

4. Receive Assistance:

   Depending on the issue, the insurer may send a mechanic to your location for on-site repairs or arrange for towing to the nearest garage.

5. Claim Settlement:

   If the service is provided through a partnered garage, the insurer typically settles the bill directly with them. If you need to pay out of pocket you can submit the repair bill for reimbursement according to your policy terms.

Conclusion