24x7 Roadside Assistance Cover (RSA) Full Form & Meaning in Insurance

Now don’t fear getting stranded in the middle of the road; secure your car or bike with Roadside Assistance (RSA) coverage! Enjoy peace of mind with instant help for breakdowns and emergencies.

With RSA in insurance coverage for your car or bike, you are protected 24x7 against emergencies such as breakdowns, flat tires, and battery failures. So, know more about RSA full form in insurance, coverage and benefits.

Team Digit

What is RSA in Insurance, How it Works & Benefits
What’s Covered & Not Covered?
How to Buy, Factors to Consider & Things to Remember
Who Should opt for RSA?
Frequently Asked Questions

What is 24x7 Roadside Assistance Cover in Insurance?

Roadside Assistance or a Breakdown cover is an add-on you can opt for in your comprehensive and Standalone Own Damage car insurance or two-wheeler insurance policy, to help you in times where you need roadside assistance, a.k.a need some help when you’re stuck on the road.

Whether it’s a small mishap or a flat tyre, a 24x7 roadside assistance cover can help you in times of such troubles, without even accounting it as a claim.

How Does Roadside Assistance (RSA) Cover Work?

Once you’ve already opted for a Roadside/Breakdown Assistance cover in your Digit bike or car insurance policy, using the Roadside Assistance cover in times of need is easy!

With Digit, the Roadside Assistance cover comes with 24x7 support and takes care of the convenience and labour costs too. We serve you up to 500 km from your city!

When in trouble, reach out to Digit and we will arrange for appropriate towing services to the nearest Digit Authorized Repair Shop. Provided always that

We will bear the cost of towing the insured vehicle up to 50 km from the place of accident or breakdown.
Any cost and expenses pertaining to towing of the Insured Vehicle over and above 50 km shall be borne by you.

What are the Benefits of Getting Roadside Assistance Cover (RSA)?

24x7 Availability - RSA in insurance provides round-the-clock assistance in case of emergencies, ensuring you’re never stranded, regardless of the time or location.
Cost Savings - Having Roadside Assistance cover helps avoid the high costs of emergency repairs, towing, or other roadside services as they are then covered in your car or bike insurance policy.
Emergency and Towing Services - You can rely on RSA add-on cover to have your back when you need to get you back on the road quickly as it offers on-the-spot minor repairs, such as fixing a flat tire or jump-starting a dead battery. Additionally, it also offers towing services to the nearest service center or preferred location.
Peace of Mind - With RSA cover knowing that help is just a call away in case your car or bike breaks down, especially during long drives or in unfamiliar areas, offers reassurance, reduces stress and allows you to drive comfortably with peace of mind.

What’s Covered in Road Side Assistance Cover by Digit?

We’re already given you a gist of what all is covered under RSA in your car insurance or bike insurance. However, it’s also vital that you understand the details within your coverages, so you clearly understand the benefits of a roadside or breakdown assistance cover.

What are the Exclusions of RSA in Insurance?

While Roadside Assistance offers valuable protection, it is important to know when your claim won’t be entertained under this add-on cover:

If the driver is under the influence of alcohol or drugs when the vehicle broke down.
If the driver doesn’t have a valid license at the time of breakdown.
If the vehicle broke down while being used for illegal purposes such as racing.
If the insurer is not informed about the breakdown well beforehand, they might reject your claim.
If the insurance policy is not active or valid, you will not be able to avail roadside assistance benefits.

How to Buy Roadside Assistance Add-on Online with Digit?

Since RSA is an add-on cover, you can buy it along with only a comprehensive or standalone own damage insurance policy; you CANNOT buy RSA alone. Also, you can buy RSA add-on at the time of renewal and also when buying new policy. Here’s how you can buy RSA add-on online with Digit:

Step 1

Go to Digit’s app or website, enter your vehicle’s registration number and provide other details as required.

Step 2

Choose the Comprehensive plan or Standalone Own Damage plan and opt for the Roadside Assistance add-on and any other add-on (if required).

Step 3

Enter your personal, nominee and vehicle details.

Step 4

Complete the payment and mandatory KYC verification process.

Step 5

You’re done! You’ll receive the policy document via email, SMS and WhatsApp.

How to Claim Roadside Assistance (RSA) Cover with Digit?

If you have already bought the RSA add-on cover with Digit and want to file a claim for the same, you can just give a call at 1800-258-5956 or drop an email at hello@godigit.com and our team will assist you further. You don’t need to fill in any forms!

Factors to Consider Before Buying Roadside Assistance (RSA) Cover

Here are some things you should consider before you buy the RSA cover in motor insurance:

1. Ease of Contact

When you’re in trouble midway with your car, you want to be sure you can get in touch with your insurer easily. This is why one of the things to look for in a roadside assistance cover is how easily you can reach your insurer.

2. Service Availability

Troubles come unannounced! That’s why one of the things you want to be sure of is that your insurer’s roadside assistance coverage comes with 24x7 support!

3. Coverage

At the end of the day, your roadside assistance cover should give you benefits and coverage that make it worth it. Therefore, always see what coverage benefits are offered and whether the same is valuable for you or not.

4. Service Benefits

Some insurers offer benefits beyond the basic coverage. See what different insurers have to offer under the RSA cover in motor insurance to help you make the wiser choice.

Things to Remember About Roadside Assistance Cover

Here are some things you should keep in mind with respect to the RSA cover in car/bike insurance:

While the Roadside Assistance cover doesn’t account for as a claim, you can use the cover maximum, for up to 4 times in one policy year.
You can avail Fuel Assistance up to 2 times in your policy period.
Roadside Assistance should only be used for times when you have no other option. For instance; if your vehicle can be safely transferred without any trouble to a nearby workshop or dealer, then roadside assistance won’t be applicable in such a case.
Your Roadside Assistance covers repair and labour costs too, but only up to 45 minutes of roadside assistance, at the spot where the accident took place.
Like all car and bike claims, you can’t be covered if you are found driving drunk or without a valid license.

Who Should Buy Roadside Assistance Cover?

Though RSA cover in insurance is beneficial for every car and two-wheeler owner in India, here are some groups of people who should get Roadside Assistance ass-on cover in car insurance:

1. New Car or Bike Owners

If you have a car or bike that is less than 5 years, then you should most definitely opt for roadside assistance in your comprehensive car insurance or comprehensive bike insurance policy so that your brand-new vehicle is always well maintained and protected for in all possible situations.

2. Frequent Travellers

If you’re someone who travels often, getting 24x7 roadside assistance coverage is a good idea. You never know when you may just need some help along one of your journeys!

3. Car or Bike Lovers

Some people can make it through small mishaps while some of us can’t! So, if you are someone who can’t seem to imagine getting even minor repairs done to your two-wheeler or car amidst a breakdown or the like, then getting a Roadside Assistance add-on in your policy will be your guardian angel!

FAQs about RSA in Car/Bike Insurance

All

What is RSA insurance full form?

RSA full form in insurance is “Roadside Assistance”.

What is the cost of RSA in car insurance?

The cost of RSA varies depending on the insurer, policy coverage, and the type of vehicle.

Is Roadside Assistance cover mandatory in motor insurance?

No, RSA in motor insurance is not mandatory in India. It's an optional add-on cover.

Is Roadside Assistance add-on cover free in insurance?

No, Roadside Assistance add-on is not free in insurance; since it is an additional coverage, so you need to pay an additional premium for this cover.

Can I use my RSA cover on another vehicle?

No, Roadside Assistance cover can only be used for insured vehicles and not any other car or two-wheeler.

Is Roadside Assistance cover included in the base policy?

No, Roadside Assistance is an add-on cover and not included as a part of the basic car or bike insurance policy.

Can I get roadside assistance with third-party insurance policy?

No, RSA cover in insurance is only available with comprehensive and Standalone OD insurance policies.

Can I use the RSA cover if my bike needs a battery jumpstart?

Yes, if your insured bike needs a battery jumpstart, you can use the RSA cover in motor insurance if you have opted for it at the time of buying/renewing insurance policy.

Is Roadside Assistance add-on cover worth it?

Given the various benefits of Roadside Assistance cover, it’s worth it, especially for new vehicle owners or those who travel frequently or long distances, as you never know when you may need the service!

Is the RSA cover worth buying for a new bike?

Though new bikes may not break down or face issues as frequently as older bikes, however, they might get a flat tyre or might need fuel on an urgent basis. So, in such situations RSA add-on will come to your rescue.

What is the difference between RSA cover and Comprehensive Insurance?

Comprehensive Policy is a type of standalone insurance plan, whereas RSA is an ad-on cover that provides extra coverage. Also, RSA cover can be bought along with either Comprehensive or Own Damage policy and not as a standalone cover.

Will claiming for Roadside Assistance affect my No Claim Bonus?

No, luckily Roadside Assistance is the only cover wherein, even if you benefit from it, it won’t be added as a claim! So, if you’ve made no other claims during the year, your ncb in car insurance will still be intact.

Is the RSA cover only applicable for vehicle breakdowns on national highways?

You can benefit from the RSA cover in insurance if your insured vehicle breaks down on national highways, state highways, and city roads, and mostly all motorable roads in India are covered under this add-on. However, if your car or bike breaks down somewhere in interiors of the country, then you need to check with the insurer if they provide the service in that area.

Does Roadside Assistance help unlock cars?

Yes, if you do happen to lose your key or get locked out of your own car, the roadside assistance cover would help you with a spare key and, in some cases also help unlock it with the help of a technician, provided that you present your valid id proof, for security purposes.

What if the insurer fails to send help for a car breakdown under the RSA cover?

If an insurance company fails to provide immediate help in the form of a mechanic or towing service, then it might offer to reimburse the amount you have paid from your pocket to do so.

Can I use the RSA cover initially for free for a trial period?

No, generally, insurers do not provide any trial period for the RSA cover. However, since the add-on can be purchased for a nominal additional premium, you can buy it for a year and then remove it at the time of policy renewal if you wish to.

When should I pay to avail the benefits of the RSA cover – while buying the policy or at the time when help is required?

You need to pay the premium for the RSA cover upfront while buying or renewing your car or bike insurance policy. This add-on's premium will be added to the final premium of the policy.

Can I buy other ad-on covers along with Roadside Assistance Cover?

Yes, you can buy as many add-ons with RSA cover as you require from the ones available with your insurer, as add-ons help to enhance the coverage of your vehicle. However, remember that you will have to pay additional premium for all the add-ons you buy.

How can I avail the benefit of RSA cover in case my car breaks down mid-journey in the middle of nowhere?

You can avail immediate roadside assistance under the add-on for the insured car if you inform your insurance company about the same via a call; you don’t need to wait to log in to the website/app and raise a claim.