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.

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 50 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

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

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.

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!

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.

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.

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!