Road Side Assistance Add-on in Car Insurance

Having your vehicle breakdown in the middle of a journey can be a hassle, causing frustration and inconvenience. This is why having reliable roadside assistance is essential for any driver. In this blog, we will be focusing on Shriram's Road Side Assistance Add-on in Car Insurance. We'll delve into the key features and benefits of this add-on, how it can provide much-needed support during unexpected breakdowns, and why it's a valuable addition to your car insurance policy. Stay with us as we explore how Shriram's Road Side Assistance Add-on can offer peace of mind and prompt assistance during challenging situations on the road.

 

What is Road Side Assistance Add-on?

A Road Side Assistance Add-on is a service offered under Shriram Car Insurance that offers assistance to drivers in the event of car breakdowns, flat tires, lockouts, and other vehicle issues while on the road. This add-on provides access to a 24/7 hotline for immediate help, as well as dispatching a tow truck, mechanic, or other necessary services to assist the stranded driver. It can be a valuable addition to your insurance policy, providing peace of mind and support in unexpected situations.

 

Features and benefits of a Shriram’s Road Side Assistance Cover

The following are some of the key features and benefits of Shriram’s Road Side Assistance coverage.

 

1. Towing services: In the event of a breakdown, accident, or fuel incompatibility, we help make arrangements for the insured car to be towed to the closest authorised service centre.

 

2. On-Site Minor Repairs: Qualified technicians will be dispatched to the location of the insured vehicle to perform minor repairs that can be completed on-site, facilitating prompt and efficient resolution of issues.

 

3. Battery Jump Start: In case of a dead or weak battery, Shiram's Road Side Assistance Cover offers battery jump start services to get the vehicle up and running again.

 

4. Tire Problem/Change: Assistance with flat tire repair or replacement, ensuring the insured vehicle can continue its journey safely.

 

5. Locked/Lost Keys: Support for situations where the insured individual has locked their keys inside the vehicle or lost their keys, including key retrieval or lockout assistance.

 

6. Fuel Delivery: Provision of emergency fuel (up to 5 litres on a chargeable basis) at the location of breakdown.

 

7. Chauffeur on Demand: Access to a professional chauffeur service for the insured individual's convenience and peace of mind.

 

8. Continuation Return Journey (Taxi Support):Assistance in arranging taxi support for the insured individual to continue their journey or return home, if the insured vehicle cannot be promptly repaired.

 

9. Medical Referral: Provision of contact details of nearby medical professionals, as a referral service.

 

10. Legal Referral: Provision of support for local travel arrangements if the insured vehicle is immobilized, ensuring the insured individual's continued mobility.

 

11. Local Travel: Arrangement for an alternate hired car on the best availability basis in the area for the period the vehicle is under repairs.

 

12. Accommodation Assistance: Assistance in arranging accommodation if the insured vehicle cannot be promptly repaired and the insured individual requires temporary lodging.

 

13. Coordination for Repatriation of Vehicle: Coordination for the repatriation of the insured vehicle to the insured individual's location in case it cannot be promptly repaired at the breakdown location.

 

Note: The above-mentioned features and benefits of Shiram's Roadside Assistance Add-on are contingent upon the terms and conditions of the policy.

 

Exclusions of Shriram’s Road Side Assistance Cover

Now that we have discussed the benefits of the Shriram Roadside Assistance Add-on, let us look at some of its limitations.

 

• Natural calamities such as floods.

 

• Loss of or damage to luggage or other personal effects.

 

• Racing, rallying, motorsports, or driving without adhering to traffic rules.

 

• Any load transported using the vehicle.

 

• Consequential damages arising out of repair on the spot/towing or any other Road Side Assistance Services.

 

• Vehicle breakdown happening while at the residence of the insured.

 

Who should buy a Road Side Assistance Cover?

If you fit into one of the following categories, you should probably consider buying a Road Side Assistance Cover.

 

1. Commuters: Individuals who rely on their vehicles for daily commutes, especially in areas with heavy traffic or long distances, can benefit from having roadside assistance for prompt support in case of a breakdown.

 

2. Long-Distance Travelers: People who frequently go on long road trips or travel to remote areas can rely on roadside assistance to provide help if they encounter vehicle issues far from home.

 

3. Parents:Families with young children may find peace of mind knowing they have access to roadside assistance services in case of vehicle problems while travelling with kids.

 

4. New Drivers: Individuals who are new to driving or have less experience with vehicle maintenance and repairs may benefit from the added support of roadside assistance.

 

5. Elderly Drivers:Older drivers, who may be more susceptible to car troubles or are less able to handle vehicle-related incidents on their own, can find roadside assistance valuable for added safety and security.

 

Ultimately, anyone who wants to ensure they have quick and reliable assistance in the event of a roadside emergency can benefit from purchasing a Road Side Assistance Cover.

 

How to use a Road Side Assistance Add-on

To use the Roadside Assistance Add-on with Shriram Car Insurance, you can follow these general steps.

 

1. Contact the Provided Helpline:In the event of a breakdown, flat tire, empty fuel tank, or other roadside emergency, immediately contact the helpline provided by Shriram Car Insurance for Roadside Assistance. This number is typically mentioned in your insurance policy documents or membership card.

 

2. Provide Necessary Information:When contacting the helpline, be prepared to provide your policy number, vehicle registration number, exact location of the breakdown, a description of the issue, and any other information requested by the service provider for verification.

 

3. Await Assistance: Once you have contacted the helpline and provided the necessary information, the service provider will dispatch assistance to your location. This may include a towing service, on-site minor repairs, or other necessary aid depending on the nature of your vehicle's issue.

 

4. Stay Safe: While awaiting assistance, ensure the safety of yourself and any passengers. If possible, move your vehicle to a safe location, such as the side of the road or a breakdown lane, and use hazard lights to alert other drivers.

 

5. Follow Provider's Instructions: When the assistance arrives, follow any instructions and guidance provided by the service provider. Be prepared to show your insurance policy details and identification for verification purposes.

 

6. Utilise Services: Once assistance arrives, you can utilise the services offered under the Roadside Assistance Add-on, such as towing to a nearby garage, on-site repairs, or other support as deemed necessary by the service provider.

 

Note:The above-mentioned steps are provided for informational purposes. For the exact details of the procedure and specific coverage, kindly refer to the relevant policy wordings.

 

How to buy a Road Side Assistance Cover?

You can buy a Road Side Assistance Cover by following the below-listed steps.

 

Step 1: Visit the Shriram General Insurance website or mobile app MySGI app and navigate to the Car Insurance section. Enter the necessary details as prompted.

 

Step 2:Choose a Comprehensive Car Insurance Policy. Within the add-on section, opt for the Road Side Assistance Add-on along with any other desired add-ons.

 

Step 3:After selecting the required coverages, proceed to make an online payment. Following the successful transaction, you will receive your car policy inclusive of the Road Side Assistance Cover.

 

FAQs

Refer to this section to find answers to frequently asked questions regarding Shriram’s Road Side Assistance Add-on.

 

1. What is Roadside Assistance Cover?

Roadside Assistance Cover is an optional add-on to your Car Insurance Policy that provides support in the event of breakdowns, flat tires, lockouts, and other non-accident-related vehicle issues. It offers services such as towing, minor repairs, fuel delivery, and more.

 

2. What scenarios are covered under Roadside Assistance?

Roadside Assistance typically covers scenarios such as breakdowns, accidents, flat tires, fuel delivery, lockouts, and loss of vehicle keys. It may also include battery jump starts, on-site minor repairs, and towing services.

 

3. What geographical areas are covered by Roadside Assistance?

Roadside Assistance covers national highways, state highways, and motorable roads within specific geographical territories. The coverage generally extends up to a certain distance from the breakdown location to an Authorised Service Provider (ASP) garage.

 

4. How can I utilise the Roadside Assistance service in case of a breakdown?

In case of a breakdown, your insurer using the dedicated hotline or contact information provided. Upon contacting the service provider, provide your policy or membership number, location, and details about the issue with your vehicle.

 

5. Are there any specific exclusions under Roadside Assistance Cover?

Exclusions under Roadside Assistance Cover can vary but may include force majeure events, damage to personal belongings, usage for racing or motor sports, and certain limitations on the provision of services in specific circumstances like floods.

 

Disclaimer: The content presented in this page is intended solely for general informational purposes and should not be regarded as a substitute for expert insurance advice. Therefore, it is imperative to seek personalised guidance from a certified insurance professional to address your specific needs and circumstances.