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Roadside assistance cover in Car Insurance
Roadside Assistance is an add-on feature in a comprehensive car insurance policy that assists you during the time of an emergency in the event of a breakdown or other mishap while driving on the road. The primary goal of this add-on cover is to quickly help drivers in the situation when they are stranded and unable to continue driving. This add-on feature saves your money and time in the event of a sudden breakdown. It includes providing breakdown support over the phone, battery jump-start, tyre repair service, and towing facility to the nearest network garage.
What is 24/7 Roadside Assistance Cover in Car Insurance?
The Roadside Assistance cover, also known as 24x7 Car Breakdown Assistance, is useful when your car breaks down during a journey. You can simply call your insurer and report the issue and location. They will immediately assist you through the phone or send a mechanic to your location. They will also tow your car to the nearest garage for repair.
Shriram Car Insurance Coverages
- What is Covered?
- What is not Covered?
Towing Service
Transporting your vehicle to a repair shop if it cannot be fixed on-site.
In Case of Breakdown: If your covered vehicle breaks down due to a mechanical or electrical fault or an accident and cannot be repaired on the spot, assistance will be provided to tow the vehicle to the nearest Authorized Service Center. It also covers towing within the covered distance; any additional towing costs must be borne by the vehicle owner.
Battery Jump-Start
Assistance will be provided to jump-start the dead battery of your vehicle.
Flat Tyre Change
If your car tyre gets immobilise due to a flat tyre, help will be provided with replacing a flat tyre using your vehicle’s spare tyre at the location of the breakdown.
Locked or lost keys
If your car keys are lost, stolen, misplaced or placed inside your locked car, assistance will be provided in unlocking your vehicle. But, the car owner has to provide, a valid identity proof and proof of ownership of the vehicle at the time of delivery of the keys.
On-Site Minor Repairs
Minor repairs that can be done at your location to get you back on the road. The vehicle mechanic will be quickly arranged to the car breakdown location. The cost of the labour and conveyance will be borne by the company. This service is provided only if the vehicle is not in a position to be driven to the nearest service centre.
Force Majeure
Roadside assistance is not covered for the vehicle damage due to Force Majeure or natural calamities.
Luggage and personal belongings
This cover will not be covering any loss or damage to personal belongings during service.
Prohibited users
This cover is not provided for vehicles used in racing, rallying, motor-sports or not driven according to laws.
Discretion
It is the sole discretion to determine what constitutes part of the covered vehicle, and their decision is final.
Features of Roadside Assistance Cover
How to Buy and Renew New Car Insurance Online
Buy your roadside assistance cover online in a just few clicks.
- Buy Shriram Car Insurance Online
- Renew Shriram Car Insurance Online
Visit our website/app and navigate to the car insurance page. Following that, enter your car registration and mobile number and click on “Insure Now”.
Choose the make and model of your car along with the date of registration and year of manufacture.
Select the comprehensive car insurance policy and choose roadside assistance add-on along with other necessary add-ons.
You can now view the premium and buy the policy online.
Enter the previous policy details of your car and check the given details to estimate the premium of the renewal policy
- Details of Car Manufacturer & Model
- Registration Number
- Year of Manufacture
- Previous Insurance Policy
- Change of Ownership Documents (if applicable)
Select the new coverages for your existing policy
- Choose the policy that fits your requirements along with the necessary Add-Ons to financially protect your car
Complete your online payment & renew the car insurance policy
- Kindly complete the online payment by selecting the payment gateway (Debit, Card or Net Banking) and get your Shriram Car renewed
Who Should Buy Roadside Assistance Cover?
Roadside assistance cover is applicable for the following,
If your car is less than five years old, consider adding roadside assistance to your comprehensive insurance for peace of mind and protection in unexpected situations.
People who often travel round the clock and outside city limits, might require this road assistance cover to have a stress-free mind during their journey.
Benefits of purchasing Roadside Assistance Cover in Car Insurance
The benefits of buying roadside assistance cover in car insurance are as follows.
- It saves time by providing quick assistance during a breakdown on the road and ensuring peace of mind.
- The process of online purchase of the policy is fast and easy.
- Assistance for professional mechanical repairs is done over a phone call.
- It is beneficial to opt for affordable car insurance with roadside assistance for extensive coverage.
Factors Determining Roadside Assistance Cover Premium
Comprehensive Car Insurance Policy
Roadside assistance coverage is available only with a comprehensive car insurance plan and cannot be added to a third-party insurance policy. If you wish to include roadside assistance without a comprehensive plan, you can switch at the time of policy renewal.
Assessing Your Needs
Evaluate your requirements carefully. Roadside assistance is ideal for new vehicles under five years old and for frequent travellers. If you don’t use your vehicle frequently or avoid long-distance trips, you may consider skipping this add-on.
Considering Your Budget
Adding roadside assistance requires an extra premium. Ensure it fits within your budget before opting for this coverage.
How to Claim Shriram Car Insurance?
- In case of accident or breakdown, the vehicle owner has to inform Shriram General Insurance by calling the toll-free/ helpline number or the claim can also be intimated through online service. Once informed, the company will suggest and send the required assistance to deal with the breakdown and accident.
Shriram Car Insurance in Major Cities in India
Delhi
Chennai
Mumbai
Ahmedabad
Gurgaon
Bangalore
Agra
Bhopal
Pune
Indore
Jaipur
Dehradun
Shriram Car Insurance for Popular Car Brands
Road Tax by States
- Road Tax for Delhi - 4-12.50%
- Road Tax for Tamil Nadu - 12-20%
- Road Tax for Haryana - 4-10%
- Road Tax for Maharashtra - 7-14%
- Road Tax for AP - 12-14%
- Road Tax for Kerala - 7-17%
- Road Tax for Karnataka - 13-18%
- Road Tax for Punjab - 6-8%
- Road Tax for Gujarat - 6%
- Road Tax for Rajasthan - 5-10%
- Road Tax for Uttarakhand - 4-5%
- Road Tax for Uttar Pradesh - 7%
Frequently Asked Questions
What does roadside assistance cover?
Yes, Shriram General Insurance offers optional add-ons to enhance your Maruti Suzuki Swift car insurance. Several add-on options are available, and you may choose them based on your insurance needs. You can buy add-ons during the initial policy purchase or later.
Is roadside assistance available 24x7?
Yes, roadside assistance services operate 24 hours a day, 7days a week, ensuring help is available any time of day or night.
Can roadside assistance be added to any type of insurance policy?
Yes. Please use an online premium calculator for an estimate. The cost of your Shriram Car Insurance depends on factors like your car's make, model, year, Insured Declared Value (IDV), type of insurance, and any additional features you select. These factors are considered to determine your car insurance premium.
How often can I use roadside assistance?
Absolutely! Shriram offers many useful coverage options for your Maruti Suzuki Swift. Visit us at a branch office near you or our website. Our customer care team will be happy to share the details of the available insurance options.
