Monsoons bring lush green landscapes, improved air quality, and a cosy atmosphere. However, it also brings uncertainty, emergencies, accidents and hazardous road conditions. During this season, your car and car insurance policy are hence put to the test.
It is only wise to enhance your existing car insurance protection by adding valuable riders. One of the most important car insurance add-ons is roadside assistance coverage. It eases your concerns in times of unexpected breakdowns and waterlogged roads.
Understanding Roadside Assistance Add-On
Roadside assistance insurance coverage is an add-on in car insurance that provides support when your vehicle encounters problems after you have hit the road. There can be a range of problems like flat tyres, dead batteries, breakdowns, being stranded on a highway without petrol/diesel, mechanical failures, and more, which this add-on covers.
With the help of your online car insurance, you can easily connect with your insurer and inform them regarding your situation. The roadside coverage typically offers 24/7 services such as towing, fuel delivery, minor repairs, lockout assistance and more. With a roadside assistance add-on in your car insurance, you can enjoy comfort, convenience and peace of mind.
Importance of Roadside Assistance Add-On in Car Insurance During Monsoon
Monsoons can cause waterlogging, vehicle breakdowns, engine failure and various other severe four-wheeler issues. Reduced visibility due to heavy rains can cause major accidents, especially on highways. Slippery roads are another risk factor associated with monsoons. To protect your four-wheeler from these issues, you must opt for a roadside coverage car insurance add-on.
The roadside assistance add-on offers the following services to help ease your situation in the monsoon damages:
- This car insurance add-on offers professional services to repair flat tyres.
- You may avail of services for on-the-sport repairs for minor damages.
- This add-on in car insurance also offers professional support to recharge your car battery.
- The roadside assistance add-on in car insurance will offer fuel refills in case of an empty tank.
- The roadside coverage will also offer services to arrange an alternate key as a replacement to rescue you.
- The add-on also enables accident support, ensuring you receive towing service and reach a nearby garage.
- Roadside assistance will ensure you receive the tools and funds to manage emergency transport from the place where you are stuck. This add-on will also offer emergency accommodation cover where you get a place to stay as the situation alleviates.
Other Essential Car Insurance Add-ons For Monsoon-Proofing Your Insurance
● Zero-Depreciation Coverage Add-On
A zero-depreciation car insurance add-on ensures you receive the full claim amount. It eliminates any deductions for the depreciation of parts that need to be repaired, restored, or replaced. This can be especially useful in the monsoon season since floods can damage your insured four-wheeler vehicle.
● Consumables Coverage Add-on
With consumables coverage car insurance add-on, you do not have to bear the price of replacing these consumables (engine oil, brake oil, lubricants, nuts, bolts) in case of complete or partial loss and damage to the vehicle during monsoon.
● Return-To-Invoice Coverage Add-On
Return-to-invoice is an additional feature that enables you to receive the complete invoice amount of the car rather than the depreciated value. Floods and heavy rains can cause complete loss due to water or theft. Having a return-to-invoice add-on in car insurance will ensure that you are financially protected by receiving the original purchase price of your vehicle in event of total loss.
● Emergency Accommodation Add-on
An emergency accommodation add-on ensures that you find a safe place to stay until the issue is resolved, whether in a hotel or hostel. Thanks to the emergency accommodation add-on in car insurance, you will not have to spend money out-of-pocket.
● Daily Allowance Add-on
Daily allowance add-on in car insurance refers to a predetermined amount of money the car insurance policy will pay you while your car is in the garage for repairs. After a flooding incident or accident, your car requires a garage and various repairs. To take care of your commute, you can utilise the daily allowance add-on in car insurance.
● Engine Protection add-on
Engine protection add-on refers to a feature that offers repair and replacement of damaged engines due to water ingress. This is a common phenomenon in the monsoon season. To protect your engine from this damage, you must add the engine protection add-on to your car insurance.
Conclusion
As mentioned above, the monsoon season brings unique challenges, making it essential to have a robust car insurance policy. Adding roadside assistance coverage add-on in car insurance along with the other useful add-ons will help your online car insurance a monsoon and disaster-proof policy. It will offer enhanced financial security.
Choose the best car insurance add-ons this monsoon!