Term of the Week: Roadside assistance cover

The provision of roadside assistance (RSA) as an add-on cover to the motor insurance policy offers much-needed relief to a car/bike owner if the vehicle breaks down.

Policyholders can opt for this cover by additional premium along with the base policy. Though the scope of RSA cover varies, some key coverage features are common among the insurance companies. This includes offers such as battery breakdown, flat tyre and minor repairs, towing services and fuel provision. Some insurance companies such as ICICI Lombard and HDFC Ergo offer services such as spare keys, accommodation arrangement and alternative transport arrangement.

However, note that though RSA provides coverage for various services, the cost of some will have to be borne by you. For instance, if you run out of fuel, the insurance company will bring some over but you have to pay for the fuel. Similarly, insurers could arrange for an alternative vehicle, but again you may have to pay for it. On the other hand, services such as towing, flat tyre and minor repairs are taken care of by the insurer.

There is also a limit on the number of times you can utilise particular features in the RSA scheme.

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