Car insurance is the safety net that you can rely on in times of emergencies. Driving your car without an insurance cover is like throwing caution to the wind. Also, the Motor Vehicles Act of 1988 makes it mandatory for all vehicles to have a valid insurance copy.
When purchasing four wheeler insurance, you have two main types of policies that you can opt – third-party and comprehensive plan. While a third-party plan only provides for damages and injuries to other person, a comprehensive plan ensures all-round protection. It provides coverage for own damage as well as liability to third-party. Thus, to have overall protection for your car while complying the law, it is advisable to opt for a comprehensive insurance cover.
Comprehensive insurance covers can be loaded with a host of additional features. One such essential and the recommended add-on is the roadside assistance cover or RSA. Using an RSA add-on, you can get your vehicle towed to a safe place in case the fault cannot be fixed. This handy option to tow your vehicle to a secure location can lower the mental burden of damage. All leading insurance companies offer roadside assistance cover with their comprehensive insurance policies.
What is the process to claim roadside assistance under your insurance policy?
Raising a claim for roadside assistance is a straightforward process. All you need to do is call the toll-free number mentioned on your policy document. The insurer will request you to either confirm your policy details or some companies will identify it from your registered mobile number. This process varies among different insurance companies. Once your details are confirmed, if your location is within serviceable limits, a technician is sent to your location that either repairs your car or tows it to the nearest service station.
What are the benefits of purchasing an RSA cover?
Roadside assistance add-on can either be purchased at initial purchase or at the time of car insurance renewal online. Alternatively, it is also possible to avail RSA cover via the offline channel. Here are the key benefits of buying a roadside assistance cover.
- Saves time and offers mental peace.
- The assistance of a trained technician available just a call away.
- Broader coverage at an affordable price.
- Hassle-free purchase using the online mode.
What are the different circumstances covered under RSA cover?
Towing facility is the primary reason for buying an RSA cover; it is not the only service that is available when you buy one. Let us look at the different events covered under an RSA plan.
Flat tyre: Being the most common vehicle breakdown, an RSA cover comes handy in these unprecedented times.
Spare keys: As silly as it may sound, it does frequently occur than you might imagine. So in case the next time you lose your keys, your RSA plan can be helpful. The technicians can also assist you to unlock your car in the meanwhile.
Dead battery: A faulty alternator or lower voltage can lead to a dead battery mid-journey. At these times, using the help of RSA cover, you can jumpstart your vehicle or arrange for a replacement battery.
Now that you know the various benefits of using RSA add-on, it is almost an indispensable feature to have with your comprehensive insurance policy. Not only RSA, but various add-ons can be useful to protect your car depending on your requirement. A car insurance calculator is a nifty tool that will help in getting affordable deals from the myriad insurance companies. Shop wisely.