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Roadside Assistance Cover

 

What is Road Side Assistance in Car Insurance?

Car breakdowns may happen suddenly without prior notice and are beyond your control which may cause discomfort to you and to your loved ones. Roadside assistance cover comes to the rescue in those necessary moments and it can be availed by paying an additional premium. This cover can help you in instances such as when you need a minor repair urgently, this cover ensures support which is a call away.

Roadside Assistance Cover (RSA) provides on-the-spot support when your vehicle breaks down or is stranded somewhere less than ideal. RSA cover dispatches trained assistance to your location for services like towing, battery jumpstarts, fuel delivery, and tyre changes.

Here’s an important distinction to remember: with a comprehensive car insurance policy, both your vehicle’s damages and third-party liability costs are covered as per policy terms and conditions. However, you need to opt for the Road Side Assistance RSA add on while purchasing a car insurance specifically to be covered for such breakdown scenarios.

What is Road Side Assistance in Car Insurance

How Does Roadside Assistance work in case of Car Insurance purchased from ICICI Lombard ?

If you have opted for Road Side Assistance add-on while purchasing your car insurance, the process for availing the Assistance is simple. Call the 24×7 helpline on the toll-free number 1800 2666 and IL TakeCare App.

  • Share your location along with your vehicle and policy details.

  • Support is dispatched to assist you at your location.

  • On-the-spot fixes are attempted for minor issues like a flat tyre, dead battery, or emptying of fuel tank. In the event of the fuel tank of your vehicle being filled with the wrong type of fuel.

  • On-the-spot fixes are attempted for minor issues like a flat tyre, dead battery, or fuel shortage

  • If the issue cannot be resolved roadside, a tow truck is arranged to the nearest network garage.

How Roadside Assistance in Car Insurance Works?

That’s about it. You call, they come, and the situation is handled!

What Is Covered by ICICI Lombard Roadside Assistance Add-On in Car Insurance?

ICICI Lombard's roadside assistance add-on is designed to handle the most common and stressful breakdown situations, so you’re never figuring it out on your own.

  • Inclusions
  • Exclusions
  • Towing on breakdown/accident assistance

    If your car stops responding on the road or is involved in an accident, towing is arranged to the nearest garage within a specified radius of the incident location. Any towing charges beyond the specified radius must be borne by you.

  • Arrangement/Supply of fuel and emptying of fuel tank

    Whether the wrong type of fuel being filled? The cover handles both emergency fuel supply and fuel tank draining in cases where the existing fuel needs to be replaced entirely.

  • Arrangement of keys

    It happens more than you’d think: you accidentally leave your keys in your car or just misplaced them while on a trip or long drive. This add-on assists in retrieving your car keys so you can get back on the road without the added panic.

  • Message relay

    In the event of your vehicle getting immobilized as a result of an accident and/or breakdown, the company would arrange to send urgent message to the specified persons, through available means of communication.

  • Breakdown support over phone

    In the event of minor mechanical errors/faults/non-functioning of the vehicle support representative will provide assistance telephonically.

  • Minor repairs

    For minor mechanical issues, a technician will is dispatched to your location to carry out on-the-spot repairs as per the terms and conditions of the policy.

  • Accommodation benefits

    If your car breaks down away from home and cannot be fixed quickly, one night of hotel accommodation is arranged for all occupants of the insured vehicle under the roadside assistance cover as per the policy terms and conditions.

  • Referring a Hospital

    In the event of an accident or a medical emergency on the road, the telephonic contact details of an appropriate hospital near the location of accident will be arranged as per the terms and conditions of the policy.

  • Battery jumpstart

    If vehicle is immobilized due to accident or break down, a technician would be arranged to jumpstart to your location as per terms and conditions.

  • Flat tyre assistance

    If your vehicle is immobilised with a flat tyre, the roadside assistance cover steps in to help you get back on the road. A technician is sent to your location for assistance as per the terms and conditions of the policy.

  • Taxi Benefits

    In the event of your car being non-functional either due to an accident/breakdown, a free taxi travel is arranged for all occupants of the insured vehicle for up to 50 kilometres.

  • Legal advisor referral

    If a road accident escalates into a situation requiring legal guidance, the add-on helps you connect with a legal advisor. Please note that the legal consultation charges are to be borne by you.

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  • Natural or man-made disasters

    Car breakdowns or damage from natural catastrophes, man-made disasters, or actions by government or judicial authorities are not covered under RSA cover.

  • Racing or unlawful use

    Your policy does not cover situations where the vehicle is being used for racing, rallying, motorsports, or any unlawful activity at the time of the incident.

  • Driveable vehicle

    If your vehicle is capable of being driven to the nearest workshop under its own power.

  • Duplicate coverage

    Any loss or expense already covered under the manufacturer's warranty, a recall campaign, another motor insurance policy, or a similar package at the same time.

  • Parts and consumables

    Costs associated with the supply or replacement of parts and consumables.

  • Unauthorised use

    If the vehicle is being used/driven against the recommendations of the owner's/manufacturer's manual.

Read more

Benefits of ICICI Lombard Roadside Assistance Car Insurance Add-on Cover

Here’s how ICICI Lombard helps you always feel secure when you step into your vehicle:

  • 24x7 availability, covering emergencies at any hour, including weekends and public holidays

  • Available across cities as well as major highways, so help isn’t limited by location

  • No need to scramble for a trustworthy mechanic when you’re stuck somewhere unfamiliar

  • One cover takes care of a covered range of breakdown situations

  • Quick response means you’re not left waiting on the roadside for long

  • Claim Road Side Assistance requests can be raised through the IL TakeCare App

  • Provides assistance in the event of an unplanned roadside breakdown

Features of Roadside Assistance (RSA) Add-On Offered by ICICI Lombard

RSA cover in car insurance is designed to support you through a wide range of issues covered in the add on. Since there are multiple contingencies covered under the add on, you can count on getting help whenever something goes wrong.

  • Available as an add-on alongside your existing car insurance policy

  • Round-the-clock service, active 24 hours a day, every day of the year

  • Access to a large network of service providers and garages across India

  • Covers essentials like towing, emergency fuel, flat tyre help, battery jumpstarts, and assistance if you’re locked out of your car

  • Covers essentials like towing, emergency fuel, flat tyre help, battery jumpstarts, and assistance if you’re locked out of your car

  • You can request help right away through the IL TakeCare app or by calling the helpline

  • Useful for both daily drives and longer trips outside the city

Factors to Consider Before Choosing Roadside Assistance Car Insurance Cover

The perfect roadside assistance plan needs to hit a lot of boxes that vary by person. Here’s how you select the best cover:

Coverage scope:

Confirm exactly which services are included under the RSA cover before adding it to your policy.

Network of garages

A wider network of garages typically means faster response times and access to authorised service centres closer to where you are.

Coverage area

The service shouldn’t be limited to your city. It should include highways and less accessible locations.

Turnaround time

Verify how quickly assistance is typically arranged, especially if you’re outside urban areas.

Usage limits

Be clear on how many times you can avail the service in a year without incurring additional cost.

Pricing

Compare what different insurers charge and see if the benefits offered justify the premium.

How Much Does a Roadside Assistance Car Insurance Cover Cost?

RSA cover can be availed at an additional premium on your car insurance policy. The premium for an RSA cover in insurance hinges on several factors.

Pricing varies based on:

  • Vehicle type, age, and make

  • Geographic coverage area included in the plan

  • Number of permissible service requests per policy year

  • Whether it is bundled with a comprehensive car insurance policy or added separately

  • The insurer's pricing structure at the time of purchase

Advantages of buying the roadside assistance cover with car insurance

RSA In Car Benefits - Instant help

Instant help

With our 24×7 roadside assistance, if your car breaks down or meets with an accident, all you need to do is confirm your location to receive immediate assistance from a mechanic arranged by us.

RSA In Car Benefits - Peace of mind

Peace of mind

With our complete roadside service, as part of your comprehensive car insurance policy, you can drive your car in peace, without worrying about any unexpected situations.

RSA In Car Benefits - Value for money

Value for money

A modest increase in premium for your car insurance would not increase your costs exorbitantly but will surely boost your benefits and enhance the coverage of your car insurance policy.

Besides this, you can also use our car insurance premium calculator to easily know your payable premium.

Note: 1: The payable OD premium is also subject to policy terms and conditions.

Who Should Buy RSA Cover In Car Insurance?

Who should purchase a roadside assistance cover in car insurance?

  • It is recommended that you buy roadside assistance if you are new to wheels and are unfamiliar with car-related concerns.
  • If you love going on long-distance car trips, you must first purchase roadside assistance.
  • You must buy roadside assistance cover if you prioritise convenience over dealing with car-related breakdowns on your own.
  • If your car is old and faces regular issues, you must purchase roadside assistance coverage.

Note: Check the full list of documents.

Things to remember if you get RSA in car insurance

  • With RSA in car insurance, you can get 24×7 roadside assistance in the event of a vehicle breakdown in the middle of your journey.

  • Roadside assistance will take care of the expenses arising from minor repairs, emptying of fuel and similar situations.

  • Always read the policy terms and conditions to know what your roadside assistance cover can help you with.

RSA in Car Insurance - Things to Remember

Maintenance tips to avoid car breakdown during a long trip

Check Engine Oil

Check engine oil

Engine oil prevents heat and friction from accumulating in the engine, allowing all the moving parts to function properly. In case the engine oil light appears on, pull over immediately and look underneath your vehicle. If you observe a liquid leaking, it's most likely oil, and you shouldn't drive further since your vehicle may suffer and break down.

Never Skip A Service

Never skip a service

Skipping on service means putting yourself and your car in grave danger. Your concern for your car should not begin with a mechanic informing you about fixing expensive parts. Rather, take care of your car by getting it serviced on time, every time. Regular maintenance will help you in avoiding breakdowns.

Drive Properly

Drive properly

Your car’s overall condition is determined by your driving behaviour. To safeguard your brake pads and rotors, avoid hard starts and stops. Also, avoid riding the clutch since this will harm the bearings that are necessary for the clutch to function properly.

Avoid Unnecessary Weight

Avoid unnecessary weight

If you are stuffing half of your belongings into your car, don't do it. Because adding weight to your car puts a greater strain on the brakes and suspension, and lowers your vehicle's fuel economy dramatically.

Never Ignore Warning Indicators And Noises

Never ignore warning indicators and noises

Remember, neglecting an issue will only worsen it in the long run. Drive your vehicle to a garage as soon as you hear an odd noise or find any change in the driving pattern. Explain the problem to the mechanic. This will help you in avoiding greater, more expensive problems in the future.

How to get roadside assistance in car insurance?

Roadside assistance is crucial for maintaining and protecting your vehicle. You can get it from our website in four easy steps.

Buy RSA Cover: Share Vehicle Details

Share

Get quote by sharing your vehicle registration and your contact details here.

Buy RSA Cover: Add RSA Cover In Your Policy

Pick

Pick the plan you like and add roadside assistance coverage to it.

Buy RSA Cover: Make Payment

Pay

Make payment online using our secured payment gateway.

Buy RSA Cover: Receive RSA Policy Online

Policy

Get the policy with roadside assistance cover instantly.

How to claim car insurance for breakdown with roadside assistance?

  • Call our toll-free number 1800 2666, provide your policy information for verification, and assistance will be on its way.

  • If minor repairs are needed, our technician will repair your car on the spot. If it needs to be moved to a garage, we’ll tow it to a nearby network garage.

  • The labour and conveyance cost will be borne by us.

Reviews and ratings
on roadside assistance in car insurance

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    Based on 132 reviews

Frequently asked questions about roadside assistance in car insurance

Is roadside assistance worth it?

Roadside assistance cover comes with several advantages. It is worth the money because you never know when you will need it.

How much will it cost me to get roadside assistance for my car?

You can enjoy the advantages of our roadside assistance at a starting price of ₹199*.

Will claiming for roadside assistance affect my no claim bonus?

No, it will not affect the no claim bonus. Roadside assistance is the only coverage which when used is not considered a claim if you have not made any other claims in the previous year.

Does roadside assistance help unlock cars?

Yes, under roadside assistance cover, we’ll help you unlock your car by bringing your spare key to you. Your car would need to be within 100 km to avail this service.

Is there a limit to how many times I can use roadside assistance at no charge?

During the policy period, you can make a maximum of four claims for any one or more of the coverages offered under the roadside assistance cover, depending on the plan you choose.

Can my claim be settled on a reimbursement basis?

If we do not have a tie-up with the garage, you may furnish the repair bills and have them reimbursed as per the policy document. To avoid any bother, we usually settle the bills on our own.

Disclaimers:

The content is for informational, awareness and educational purposes only. For complete details please read policy wordings, terms and conditions and exclusions before concluding the sale. All the examples are just for illustrative purpose and claim shall be assessed basis policy terms.

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