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What is Roadside Assistance Cover in Car Insurance?

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Roadside Assistance (RSA) cover offers the much-needed relief to a car owner if his/her vehicle breaks down or has a mechanical failure on the road or at home. It can be very frustrating to be stranded in an unfamiliar place with no access to a mechanic. This is where the RSA cover comes in handy.

Some car insurance companies offer this protection as an inherent part of the comprehensive car insurance policy. Others offer it as an exclusive add-on insurance cover that can be opted for at the discretion of the car owner.

Coverage Under The Roadside Assistance Service:

The incidents covered by the Roadside Assistance scheme are many, some of which include the following:

  • Mechanical/electrical breakdown - If the vehicle has broken down at home or on the road, the insurer will arrange for a mechanic to repair it at the site of the breakdown. The mechanic will assist the car owner with battery jump start, replacement of flat tyre, and other minor electrical or mechanical repairs. In case the car owner has been locked out of the vehicle, pickup and delivery of spare keys will also be provided.
  • Towing - If the insured vehicle is involved in an accident, the insurance company will arrange for it to be towed to a nearby network garage or authorised service centre safely.
  • Fuel delivery - If the covered vehicle has run out of fuel, the insurer will arrange for up to 5 litres of fuel to be delivered to it. However, some insurers set certain limits on the number of times this service will be provided during the policy term.
  • Hotel stay - If required, the insurance company will arrange for the car owner to be put up at a hotel in the vicinity of the garage where the vehicle is being repaired. He/she will have to bear the cost of the accommodation.
  • Alternate vehicle - The insurance company will arrange for an alternate vehicle/taxi that the car owner can use while the insured vehicle is undergoing repairs. This facility is usually provided to only one destination.
  • Medical coordination - If the car owner is in need of medical assistance following the immobilisation of the insured vehicle, the insurance company will arrange for the same. However, the cost of treatment and medical bills will be borne by the policyholder.
  • Urgent message relay - Some insurance companies assist the insured to get in touch with his/her family and relay urgent messages through conference calls.
  • Delivery of repaired car - Some insurers help in delivering the repaired car to the residence of the policyholder, in case he/she is on tour.

Car insurance companies allow the emergency incident to be reported via an SMS or a phone call. Once the insurer is notified, a mechanic/patrol vehicle will be sent to the location of the vehicle in the shortest possible time. The car will be provided the necessary service and it will be restarted or towed to a reliable workshop.

Is It Necessary To Opt For The Roadside Assistance Cover?

If your comprehensive car insurance policy does not offer you the RSA cover, you can choose to opt for it separately. This totally depends on your insurance needs. The Roadside Assistance cover is useful for people who use their vehicles for long drives and those who are uninitiated of the basic repair work for their cars. It can also prove to be very useful for elderly drivers.

  • Age of the vehicle - In case you own a brand new car, you may not need the RSA cover since the car would be in top working condition. The car dealership may also offer you this facility for the first few years. Roadside Assistance cover is more useful for the owners of older cars.
  • Frequency of use - If you use the vehicle to travel long distances frequently, it is advisable to opt for this cover.
  • Convenience and cost - If you are someone who values the convenience offered by such services, then the RSA cover is ideal for you. Also if you happen to use this service, you will save considerably on the expenses incurred otherwise for getting assistance.

FAQs On Roadside Assistance Cover:

  1. How does the insurance company manage timely help for breakdown events?
  2. The car insurance company will have a partnership with some garages throughout the country that provide Roadside Assistance services to the customers of the insurer. The closest garage will be contacted as and when the insurer is intimated of the emergency. The garage chosen to provide the service will be based on the vehicle itself, its location, and other circumstances.

  3. Which insurance companies offer Roadside Assistance service?
  4. Almost all leading motor insurance companies today offer the Roadside Assistance facility to customers. For instance, Reliance General Insurance offers this facility at no additional costs. However, all taxes and tolls will have to be paid by the policyholder.

  5. How much does the Roadside Assistance cover cost?
  6. The RSA cover is offered to car owners at a nominal cost by most insurance companies. The actual cost and availability of the add-on cover will be at the discretion of the insurance company based on the specifics of each application. Since it is a very useful add-on, it is highly recommended for all car owners.

  7. Do I get legal advice under this add-on cover?
  8. Some insurance companies offer legal assistance under the RSA cover after road accidents. The insurer only connects the policyholder to the legal advisors. The actual cost of the services availed will be borne by the car owner.

  9. Does the Roadside Assistance cover have some exclusions?
  10. Yes, the basic exclusions under the comprehensive car insurance cover hold good under this add-on cover as well. However, you should contact the car insurance company to get a clear picture of the exclusions.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

What is Roadside Assistance Cover? Reviews

Page 1 of 50 1 2 3 4 5
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • ICICI Lombard Car Insurance
    "Premium should be standard as per market"
    0.5 4.0/5 "Great!"
    I never used the policy if something happen I claim it, I didn't interact with the customer care but I get the reminder message for car renewal. I have insured my maruthi Suzuki riz with ICICI Lombard, The premium is higher but still they are good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 14, 2019
  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
  • HDFC Ergo Car Insurance
    "Good service provider"
    0.5 4.5/5 "Excellent!"
    The reason to avail HDFC Ergo policy, my banker have suggest this insurer for my car. They gave me the best insured value around Rs. 6 lakhs based on the vehicle age. I have Hyundai I20 car, they are providing 24/7 helpline and cashless service.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 04, 2019
  • ICICI Lombard Car Insurance
    "Good Policy to take"
    0.5 3.0/5 "Satisfactory"
    My car was insured with ICICI Lombard. I pay the premium amount of Rs. 22000 and i have been renewing the policy continuously for 2 years. They have provided me a no claim bonus. Its covered with bumper to bumper facility. My dealer has recommended me about this policy when i purchase a car.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 03, 2019
  • Iffco Tokio Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with IFFCO TOKYO from last 1 year, there was no claim experience so far with this insurance policy. I pay a premium of Rs 5500 for this car insurance. This is a first party insurance with 0% depreciation and the coverage value is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 03, 2019
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