Emergency Assistance Cover In Brief
Emergency Assistance Cover In Brief
Emergency assistance or roadside assistance can be a lifesaver in a variety of tight situations. When you take your car out on a long drive, there are a lot of unforeseen factors that might play against you. However, with an emergency assistance cover, you can keep munching miles without having to worry about anything.
Here are some of the things that an emergency cover in a car insurance policy usually offers.
Vehicle Breakdown
The insurer would send a mechanic to fix your vehicle if you are stuck somewhere due to the breakdown of your vehicle. They can help you out with jump starts, replacing flat tires or even other minor electrical and mechanical failures.
Deliver Fuel
If your vehicle runs out of fuel, you can count on your insurer to provide you with some. Depending on your insurer, the amount of fuel that will be delivered and the number of times you can avail this feature would vary.
Towing Service
In the event that your vehicle has broken down and cannot be repaired at the spot or has met with an accident, the insurer would offer you towing service.
Should you buy car insurance?
Well, the decision is not entirely in your hands to start with. The Motor Vehicles Act, 1989 makes it mandatory for all vehicle owners to insure their vehicle with a third party insurance. However, there is a lot of financial sense in opting for a car insurance policy. It is contrary to what some people think; that buying insurance is an additional expense that is really not very necessary.
Consider this, your vehicle meets with an accident. If the accident is a bit serious, the repair costs can easily burn a hole in your pocket. Can this situation be avoided? Certainly yes. With the help of a car insurance policy, you can secure your car and you financially, from any unforeseen events.
If you decide to buy car insurance in India, you have two primary options, third-party liability policy and comprehensive policy.
Third Party
The third-party liability policy is the bare minimum policy that you must avail, as it is required by the law. In the event you meet with an accident, causing damage to any other individual or property, the policy will come to your rescue. It will meet the costs of compensating the third party you end up injuring. Due to its relatively lower coverage, the premium costs are low as well.
Comprehensive Insurance
A comprehensive plan is a combination of third-party liability and own damage coverage. With a comprehensive insurance plan, you can claim for damages to your own car as well. A comprehensive plan offers you coverage against a wider range of incidents as well. Natural calamities such as floods, cyclones, earthquakes or man-made incidents such as theft, burglary, riots, strikes etc. are covered as a part of a comprehensive plan.
Another advantage of opting for a comprehensive plan is that you can opt for add-ons. Adding them to your insurance policy enhances the policy’s capabilities.
How to Buy?
You can visit the website of any insurer you like and buy your policy by providing minimal information, such as car details, previous policy details, your correspondence details etc. After filing a quick online form, you can pay the premium of the policy based on the selection. And the insurer will send a digital copy of the policy to the registered email address in no time.
However, there are a few conditions or exclusions where your insurance company might not be able to help you. For instance, driving under the influence of alcohol, intoxicants, carrying out illegal activities, regular wear and tear of parts etc.
Having car insurance will give you the confidence to drive safely with complete peace of mind.
The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.
This blog has been written by
Mukesh Kumar| Motor Insurance Expert |36+ years of experience in insurance industry
A veteran in the insurance industry, Mukesh Kumar has the expertise of handling various functions like Business Development, Underwriting, Claims, Human Resources, Quality Management and Marketing. With rich knowledge of the industry, he loves to share his views on topics of insurance sector and takes special interest in educating people on advantages of having insurance.
Mr. Mukesh Kumar recommends "getting your two wheeler insured from HDFC ERGO, a brand serving more than 1 crore+ customers. With overnight repair services and more than 7100+ network garages, you can be assured of help in event of any damage to your vehicle".
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