Knowledge Centre

Understand Roadside Assistance Cover in Car Insurance

Published on June 25, 2020. EST READ TIME: 5 MIN

Roadside assistance add-on cover

As the name suggests, a roadside assistance cover helps the driver when the vehicle breaks down in the middle of a road and requires assistance. Whether the breakdown happens due to a flat tyre, a small mishap or running out of fuel, roadside assistance ensures that you receive immediate help when you need it the most. For a modest addition to the premium paid, you can avail 24x7 support, and say goodbye to all your worries. All you need to do is call the relevant help-line number when you need this service, and get convenient assistance as long as the distance covered by your car is as per the policy’s terms.


Many different unforeseen circumstances might crop up while driving, and so, you may require help if you are stranded. However, you need to know what all situations or circumstances are covered by the add-on. These are as listed below:

  • Flat tyre
    One of the most common reasons behind the breakdown of a vehicle is a flat tyre. The roadside assistance service helps in this case by replacing the flat tyre with the spare one in the vehicle.

  • Battery down
    In case the car battery is down and needs a jump-start, such service is provided according to the manual of the vehicle.

  • Spare keys
    In case you accidentally lock your keys inside your car or misplace them and require assistance, the roadside assistance service can be called to open the door of your vehicle using a long reach tool. In case it doesn’t open, a locksmith may also be called to help.

  • Minor repairs
    In case of a small mishap or when your vehicle requires a little tweak to run properly, roadside assistance can help in providing a mechanic to do minor repairs.

  • Towing facility
    If the vehicle is not in a drivable condition, towing facility will be made available for a limited number of km covered as per the policy. Beyond that limit, extra charges will be levied and the vehicle will be towed to a mechanic.

  • Medical help
    In case you require medical help, the roadside assistance service will coordinate to get you to the nearest hospital, so that you can get emergency treatment.

  • Fuel assistance
    In case you run out of fuel while driving, assistance will be provided with limited litres of fuel, so that you can reach the nearest petrol pump. The fuel provided will be chargeable, according to the current price of the fuel.


  • Limited numbers of assistance (usually 4 per annum) are available under the policy.

  • The number of times you can avail the fuel assistance is also limited. Refer to your policy for details.

  • There are limitations on the labour costs that are covered in the policy. Beyond the limits specified, additional payments have to be made in case extra service is availed.

  • No coverage is provided if the driver is under the influence of alcohol or found to be driving without a licence.

Who should go for roadside assistance?

Accidents and mishaps can happen to anyone, anywhere. While you cannot always escape them, you can insure yourself against them and prearrange for help through the roadside assistance cover. Especially those who drive second hand cars or old cars should get this add-on, since the risk of breakdown of an old car is higher than a new car. Also, people who travel often or need help for minor repairs and breakdowns should opt for this additional cover. It is also mandatory under law to have a valid motor insurance at all times.

Disclaimer:  The above information is for illustrative purposes 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 6,800+ network garages, you can be assured of help in event of any damage to your vehicle

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