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Feel safe and protected on the road with emergency assistance cover

Published on August 10, 2020. EST READ TIME: 5 MIN

Your car is a prized possession and getting it insured is important to save yourself from unexpected repair costs. In case your car meets with an accident or suffers damage due to fire, theft or natural calamities, your insurance company will cover the repair cost claim and keep your savings intact. While basic car insurance is mandatory in India, you should also choose the right add-on covers, such as the emergency assistance cover to ensure complete protection of your vehicle. In case you do not take your car on the road often, you can opt for usage-based motor insurance commonly known as “Pay As You Drive”. The premium for this plan depends on the number of kilometres your car has travelled.

What is Emergency Assistance Cover?

An emergency assistance or roadside assistance is one of the most important add-on covers in motor insurance. While some insurance companies may bundle this cover into your comprehensive car insurance policy at zero additional cost, others may charge a small premium for it.

If you have this add-on cover, your insurance company will provide you with round-the-clock assistance in case of technical or mechanical issues with your vehicle. For instance, if your car breaks down in the middle of a road trip, get in touch with your insurance company and they will arrange for a professional technician to perform the necessary repairs.

What all is covered?

An emergency assistance cover offers a host of benefits, including:

  • Minor repairs on the spot: If your car suffers an electrical or mechanical breakdown on the road, your insurer will ensure that a professional car mechanic reaches the spot at the earliest and performs necessary repairs.

  • Emergency towing service: If your car has met with an accident and cannot be repaired on the spot, your insurance company will arrange for a towing service. The service provider will tow your car to the nearest authorised garage for repairs.

  • Flat tyre service: Do you have a flat tyre and are unable to change it? Worry not and contact your car insurance provider. They will arrange for a technician at your location and get your car up and running again.

  • Battery breakdown: In case of a battery breakdown, your insurer will ensure that a technician reaches you at the earliest and helps restart the vehicle.

  • Fuel delivery: Ran out of fuel on a desolate road? You need not panic if you have an emergency assistance cover. Contact your car insurance provider and they will get fuel delivered to the spot.

  • Spare keys: Misplaced your car keys or left them inside the car? Your car insurance company will arrange for a technician to unlock your vehicle. In case you have spare keys at home, the insurer will get them collected from your place of residence and send them to you.

  • Arrange accommodation: If your car is in a garage and the repairs will take time, your insurer will arrange for your accommodation in a nearby hotel.

  • Cab service: While your vehicle is being repaired, you can ask the insurer to arrange for a cab to help you reach your home or office.


Having a car insurance policy with the right add-on covers is one of the best ways to feel protected on the road. The emergency assistance add-on will provide you with the necessary cover in case you face an emergency. This will include things like repairs, tow services, fuel delivery, and so on. Thus, you can travel on those road trips stress-free!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

This blogs has been written by
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 6,800+ network garages, you can be assured of help in event of any damage to your vehicle".

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