What is 24X7 Roadside Assistance

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What is Roadside Assistance?

Roadside Assistance or a Breakdown cover is an add-on you can opt for in your comprehensive 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 much does a Roadside Assistance cover cost?

You can opt for a Roadside or Breakdown Assistance cover in your comprehensive car or bike insurance policy for a standard minimum addition in your premium. At Digit, for a car it could cost you an additional Rs 102, while for a two-wheeler it could cost you Rs 40.

How does a Roadside Assistance cover work?

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

All you need to do in times of troubles (when you need the service) is give us a ring at 1800-103-448 and keep your policy details handy and we’ll be there for you in no time.

Wit Digit, the Roadside Assistance cover comes with 24x7 support and takes care of the convenience and labor costs too. We serve you up to 500 kms from your city (unlike others covering only 100 kms)

What is Covered in a RSA Cover - Let’s dive into the details

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.

Flat Battery

This is dedicated for times when your car or two-wheeler is at a halt due to issues in your battery. In this case, your RSA cover will be there for you, including paying for all labor and conveyance costs involved. 

Spare Keys

Whether you like it or not, people lose their car keys more often than they’d think they do! In such tricky situations when you're stuck out of nowhere without your keys, your roadside assistance cover would arrange for pickup and delivery of your spare keys or, in the meanwhile also help unlock your car with the help of technicians.

Flat Tyre

We’ve all had a flat tyre at some point in life! God forbid you are stranded with your vehicle due to a flat tyre and have nowhere else to turn for help, your Roadside Assistance cover will benefit you by arranging for the right technicians to replace and help you out with a spare tyre.

Minor Repairs

Sometimes, things happen and you’re just left out there wondering why your car or bike won’t start anymore! For unfortunate situations like that your Roadside Assistance could benefit you by providing for the repairs required at the need of the hour.

Towing Facility

In the case of serious cases where your vehicle can’t be repaired on spot and is required to be sent out to a workshop or garage for servicing, your roadside assistance cover would benefit you by providing you with the required Towing Facility.

Urgent Message Relay to Relatives

In an unfortunate case where you need to inform your relatives with an urgent message of the situation, we will take care of the same! 

Medical Coordination

In unfortunate situations where not only your vehicle, but even you end up getting into trouble due to an accident midway, your Roadside Assistance cover would also help coordinating with the nearest medical center so that your medical needs are well taken care of. 

Fuel Assistance

It happens to the best of us! Before you realize it, your fuel tank is already exhausted! In such cases, your cover would help you by arranging for up to 5 litres of fuel to the location you’re stuck at! 

Taxi Benefits

In case you’re left stranded due to a breakdown and the repairs seem to be taking forever (more than 6 hours) at least 100 km from your city of residence, this cover could also benefit you by providing you for the required transportation back to your home!

Accommodation Benefits

If you’re stuck in a similar situation due to the above, but can’t make it home, you could instead avail accommodation through this cover too.

Exclusions and Other Things to keep in mind for Roadside Assistance

We’re pretty upfront about our terms and conditions so that when it comes to claims, you’re not in for a surprise. With respect to Digit’s Roadside Assistance cover, here are some things you should keep in mind:

  • While our 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.
  • For our benefits, Fuel Assistance, Taxi Benefits and Accommodation Benefits- you can avail them 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 cover covers for repair and labour costs too, but only up to 45 minutes of roadside assistance, at the spot of where the accident took place. 
  • Similar to all car and bike claims, you can’t be covered for if you were found driving drunk or without a valid license. 

Who should take Roadside Assistance cover?

  • If you have a car or bike that is less than 5 years, then you should most definitely opt for a roadside assistance in your comprehensive car or bike insurance policy so that your brand new vehicle is always well maintained and protected for in all possible situations.
  • If you’re someone who travels often, opting for a 24x7 roadside assistance is a good idea. You never know when you may just need some help along one of your journeys! 
  • 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 24X7 Roadside Assistance Cover in Motor Insurance

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