Roadside assistance plans are one of the fortes of auto insurance companies, but they are also offered by standalone roadside assistance companies, vehicle manufacturers, and even credit card issuers like SBI.
There are a lot of roadside assistance plans, but none that 100% suits everyone. Some people who travel a lot must be looking for comprehensive plans covering all services. Others might simply want specific features like free towing or a larger coverage area. Either way, it does not have to be a taxing and confusing process. You just have to articulate your needs and budget and we are also talking about checking the menu for coverage, the network of service providers, after-sales services, and the cost involved.
And oh! include plans from all RSA providers and review each provider's offering. Just be sure to get a detailed breakdown and cover the fine print of the policy to know what’s available.
It is important to compare the available plans in terms of the cost involved. Be sure to ask a lot of questions from your RSA provider like the difference between the basic and premium plans and the additional cost involved. Do the upfront charges cover everything or would you be required to pay any additional amount at the time of emergency assistance? Also, consider whether coupling your car’s insurance, roadside assistance, extended warranty, and alike would fetch you some discounts.
Some plans come with hidden charges, while others like Allianz Assistance roadside assistance plans offer complete transparency
You don’t want to be stranded with your broken vehicle for hours, only to realize later that the wait time could have been considerably low if you would have chosen some other plan.
Response time basically covers two aspects- time taken to reach out to the helpline number and time taken by the assistance crew to arrive at your location. Now there might be some plans where you could easily call the 24-hour helpline number and seek assistance but the time taken by the help to arrive is considerably more than the other plans. You need to compare the time taken for both these events and choose the one with the least response time- for instance, Allianz offers a response time of a maximum of 50 minutes within the city limits.
Imagine this. You bought a plan that looked amazing on the brochure, with all these promises to be there in case of a roadside emergency. Now when you are stuck on a deserted road and call for assistance, you realize that the operator doesn’t speak your language. What a fright would it inflict!
Hence, you need to pay attention to the language barrier. Choose a plan, where the roadside assistance agents are proficient in multiple languages.
For instance, at Allianz, assistance is provided in over 12 languages, bringing peace of mind and language support to their customers, in times of need.
Yet another aspect that should compare the plans based on is the coverage area provided. You don’t want a plan that covers only a little kilometer off the city limits, instead, you need a plan that has your back across the entire country. While some plans offer coverage extending to a few nearby states, others are offering extensive coverage like Allianz Assistance.
Allianz is always closer to you. It has a PAN India presence and a diverse network, making it literally just a call away. Allianz’s wide network ensures that you are never alone and a real customer service representative is ready to help always, 24 hours a day-7 days a week.
You need to assess the towing limit for all the plans and evaluate it in light of your traveling pattern and schedule. Check with the assistance provider if there’s a cap on the towing distance or will the provider tow your car to the nearest garage or can the vehicle be towed to a garage of your choice, irrespective of the distance.
For example, in Allianz’s standard plan, your vehicle will be towed for free of cost within 50 km, beyond which a price will be charged depending on the breakdown issue and vehicle location. The plan’s good for you if you are not much of a driver and like to stay within the city limits. But if you are a travel bug, you might be more interested in the Elite plan, which has no bar on towing distance whatsoever.
The number of times that you can seek roadside assistance in a year varies from plan to plan. Some allow 3 or 5 services per year, while others offer an unlimited number of claims.
For instance, Allianz offers 2 plans with 3 services/year and unlimited services/year, respectively. Now, if you travel more or have an old vehicle, it is vulnerable to more breakdowns so, you might like the plan with more allowable claims. On the contrary, if you have a new vehicle or you don’t do long distances frequently, a plan with limited claims might suit you.
Fuel level is an essential parameter to check before going on a trip. This issue becomes a nuisance if not checked properly during your journey. With an empty tank, you are unable to drive your bike further which leaves you stranded on the roads.
Roadside assistance can help you onsite and refill the fuel-free up to 5 liters and can tow your vehicle to the nearest gas station.
An adverse weather condition during your road journey is a pain in the neck. You need to check how the weather is going to be if the roads are not conducive enough to travel for adverse climatic conditions.
Make sure to keep a check on the weather forecast before starting your journey. If the weather becomes unexpectedly worse during the journey, then do not be scared of making stops at regular intervals at safe places to avoid mishaps.
Police can obstruct you if your bike is not maintained properly. Make sure to have all the necessary parts of your vehicle in working order so that cops do not raise objections by handing you over a challan. Also, make sure that the number plate of your vehicle is visible to all and have registration papers along with your driving license and insurance in order.
Sometimes you need to travel across borders of states, cities, or even countries. Without the requisite documents in hand, you might not get permission from the cops to cross the border. Avoid such unpleasant situations by keeping the required papers with you all the time whenever you are traveling on the roads. Also, make sure that you have registration papers, a driving license, and insurance papers all the time whenever you are riding on the road. Ensure that your documents are renewed in time and are up-to-date.
Your trips will involve stopping at particular places that might not be safe for you. You might have to stop to visit the loo from time to time.
In such situations, you keep your valuables carelessly in your bike for some time which is susceptible to be robbed by crooks or thieves in the area. Avoid this trouble by locking or carrying your valuables along with you safely. Ask the pillion rider to monitor your valuables by the time you come back.