What is Emergency Assistance Cover in Car Insurance?

What is Emergency Assistance Cover?

Emergency Assistance Cover or Roadside Assistance Cover is an optional add-on that you can purchase along with standalone own-damage or comprehensive car insurance plans. This cover is specially designed to help you out during sudden problems or vehicle breakdowns.

Whether your car has a flat tire, a dead battery, towing needs, or small repairs, this cover ensures help even in an unfamiliar place for you. It may cost a bit more, but the quick help and peace of mind it gives are worth it.

Who Should Buy a Roadside Assistance Cover in Car Insurance?

Although emergency assistance cover is important for everyone who has a car. But, it is advisable for the people mentioned below to compulsorily buy a 24×7 roadside assistance cover in car insurance for support purposes. Here is the list:

• Individuals with old cars
• Somebody who travels a lot
• Drivers with less experience
• Drivers planning long trips

Why Buy an Emergency Assistance Cover?

Here are some reasons why you should buy this add-on cover in car insurance

1. Breakdown Assistance

If your car breaks down, a mechanic will come to fix the issue. He offers some of the primary required services, starting from jump-starting the battery to electrical repairs.

2. Towing Support

If your car can’t be repaired on the spot, this cover also provides towing services. It means that your car will be taken to the nearest garage.

3. Lost or Locked Key Assistance

If you lose your car keys or lock them inside your car, this cover will offer support in getting them back.

4. Temporary Replacement Vehicle

If repairs take longer than expected, an alternative vehicle will be provided to get you to your destination.

5. Emergency Stay Arrangements

If repairs take overnight, the insurance will assist in finding a nearby hotel for you, although you'll need to cover the accommodation cost.

6. Fuel Delivery Service

In case you run out of fuel on a trip, this service will bring up to 5 litres of fuel to your location to get you back on the road.

7. Flat Tyre Assistance

If you experience a flat tyre, a mechanic will come to you to replace or repair it so you can continue your journey.

Key Elements of a Right Emergency Assistance Cover

A right 24×7 roadside assistance cover in car insurance should provide the following services to the insured in case of any on-road problems:

• It should offer 24*7 roadside assistance.
• It must provide on-spot repair services.
• It should include free towing if repairs aren't possible roadside.
• It must assist with flat tyre replacement.
• It should offer battery jump-start services.
• It must help in case of lost or locked-in car keys.
• It should provide emergency fuel delivery.
• It must arrange alternative transport if needed.
• It should support emergency accommodation if repairs are delayed.
• It must ensure wide network coverage across locations.

How to Claim for Roadside Assistance Cover in Car Insurance?

If you are going to buy car insurance online with emergency assistance cover, you must be aware of the claim procedure for filing a claim for the same. Here are the steps to do so:

Step 1

Call your insurance company to inform them about the issue.

Step 2

Provide your vehicle registration number, insurance policy ID, and details of the damage.

Step 3

Inform them about the specific assistance you need under the RSA (Roadside Assistance) add-on cover in car insurance.

Step 4

Once your details are verified, the insurer will arrange the necessary service covered under your RSA plan.

Conclusion

Emergency Assistance Cover might seem a small add-on, but it offers big peace of mind on the road. Whether it's a flat tyre, a dead battery, or a sudden breakdown, this cover ensures that help is available just a call away. RAS (Roadside Assistance Cover) lets you drive with confidence, knowing you're covered in tough situations on the road.

If you are going to buy car insurance online, we are here to help you with all the necessary guidance. Square Insurance assists you in comparing plans from the best car insurance companies so you can choose the right coverage, like Emergency Assistance Cover, to keep your journeys safe and stress-free.