In today’s fast-paced world, having reliable car insurance is more important than ever. Among the various features of a car insurance policy, roadside assistance often goes unnoticed but plays a crucial role.
Roadside assistance isn’t just about convenience; it’s about providing peace of mind. It ensures that help is just a phone call away no matter where you are. This is especially important in a large country like the UAE, where assistance might be far away.
But what exactly does roadside assistance in car insurance cover include, and why should car owners in the UAE consider adding it to their insurance policy? Let’s find out.
Roadside assistance in car insurance cover
Imagine driving on a busy highway in the UAE, and suddenly, your car starts making strange noises. You pull over to the side of the road, unsure of what to do next. It’s late at night, and you’re miles away from the nearest repair shop. Or perhaps you’ve locked your keys inside the car while shopping or your battery has died in the middle of a hot desert. These scenarios are not just inconvenient—they can be stressful, dangerous, and expensive.
This is where roadside assistance in car insurance cover comes into play. It’s an additional layer of protection that ensures you’re never left stranded when your car encounters unexpected problems. Whether it’s a flat tyre, a dead battery, or even getting stuck in the sand, roadside assistance provides immediate support to get you back on the road as quickly and safely as possible.
What is included in the roadside assistance cover?
When you opt for roadside assistance in car insurance cover, you purchase a range of services designed to get you back on the road safely. Here are some of the most typical services included:
- Towing service: If your vehicle breaks down and cannot be repaired on the spot, a towing service will transport it to the nearest repair facility. This service is crucial for serious breakdowns that make driving unsafe.
- Flat tyre change: If you find yourself with a flat tyre and do not have a spare or lack the tools and expertise to change it, roadside assistance can send a professional to replace your tyre on the spot.
- Fuel delivery: Running out of fuel is inconvenient, but can happen to anyone. Roadside assistance will deliver sufficient fuel to the nearest petrol station.
- Locksmith services: If you happen to lock your keys inside your car, this service can provide a locksmith to help you enter your vehicle without causing damage.
- Vehicle recovery: If your car gets trapped in mud, sand, or any other off-road condition, roadside assistance can send a team to help you recover it safely.
- Battery jump-start: A dead battery is common for many drivers, especially during colder months. Roadside assistance can jump-start your vehicle and get it running again.
Common scenarios where roadside assistance in car insurance cover can help
Roadside assistance is versatile and can be a lifesaver in various situations. Here are some common scenarios:
| Scenario | Service Provided |
| Vehicle breakdown on the highway | Towing service |
| Flat tyre in a remote area | Tyre change |
| Running out of fuel in the desert | Fuel delivery |
| Locked out of the car at a shopping mall | Locksmith service |
| Dead battery in a parking lot | Battery jump-start |
| Car stuck in sand or mud | Vehicle recovery |
What is not included in the roadside assistance cover?
While roadside assistance provides valuable support in different ways, it’s important to know what is typically not covered:
- Non-mechanical issues: Coverage usually does not include vandalism or natural disasters.
- Driving without a valid license: You won’t be eligible for assistance if you drive without a valid driver’s license.
- Cost limits: There may be limits on towing distances or the number of service calls per year, and you might have to pay extra costs beyond these limits.
- Driving under the influence: Roadside assistance is generally not available if you are under the influence of alcohol or drugs.
- Routine maintenance: Regular maintenance tasks like oil or tyre replacements aren’t included.
- Uninsured or unlisted vehicles: Only insured vehicles listed on your policy are eligible for services.
- Expired policy: Your vehicle won’t be covered if your insurance policy has expired.
Understanding these exclusions helps ensure you know when roadside assistance will be available and when it won’t.
Factors determining roadside assistance cover
Many factors can impact your decision regarding roadside assistance in car insurance cover.
Opting for additional roadside assistance depends on several factors:
- Driving frequency: Roadside assistance can be crucial if you frequently drive far distances or in remote areas.
- Vehicle age: Older cars or those with high mileage are more prone to breakdowns, making assistance valuable.
- Peace of mind: For many, knowing help is just a call away enhances driving confidence and security.
- Family considerations: Ensuring safety for your family during a breakdown is a strong reason to add this coverage.
- Local conditions: In places like the UAE, with extreme weather, having quick support can be essential.
- Cost-effectiveness: The cost of roadside assistance, weighed against potential high out-of-pocket expenses, makes it a smart choice for many.
Consider these factors to decide if roadside assistance benefits your car insurance plan.
Why is roadside assistance important?
Understanding the importance of roadside assistance in car insurance cover can help you decide whether to include it in your policy.
Here’s why it’s beneficial:
- Peace of mind: Knowing that help is just a phone call away can relieve the stress associated with vehicle breakdowns, especially when you are far from home or in unfamiliar territory.
- Cost-effective: Paying for these services individually can be expensive. Roadside assistance often covers multiple incidents in a year for a nominal fee, making it a cost-effective choice.
- Convenience: With roadside assistance, you do not need to worry about looking for a reputable service provider or handling cash payments during distress. Your insurance company coordinates everything for you.
- Safety: Access to roadside assistance ensures you are not stranded in unsafe conditions, especially at night or in remote locations.
- Time-saving: Quick assistance means you can get back on the road faster, minimising disruptions to your schedule.
- Comprehensive support: Roadside assistance covers various emergencies, from mechanical breakdowns to minor inconveniences, ensuring you have all-around support for any unexpected vehicle issues.
- Increased reliability: For expatriates and locals in the UAE, knowing that they have reliable roadside assistance tailored to the region’s unique conditions can greatly enhance driving confidence and security.
How to use roadside assistance?
Using roadside assistance is straightforward, but it helps to know the steps involved beforehand to ensure a smooth experience. Here’s a step-by-step guide:
- Check your policy details: Before you need roadside assistance, familiarise yourself with your policy details, especially your policy number and the extent of coverage.
- Call the assistance number: Most car insurance providers have a dedicated helpline for roadside assistance. This number is typically available 24/7.
- Provide necessary information: You must provide your policy number, details about your location, and the nature of the issue.
- Wait for help: Once your request is logged, your insurance service provider will send a technician to your location. The waiting time can differ depending on your location and the issue.
- Receive the service: The technician will assist you according to the problem at hand, whether it’s a tow, a tyre change, or unlocking your car.
Final takeaway
Roadside assistance in car insurance cover is an invaluable addition to any car insurance policy. It provides peace of mind and ensures you are never left stranded during a vehicle breakdown. With comprehensive services that range from towing to fuel delivery, having roadside assistance means you are prepared for almost any on-road emergency in the UAE.
Insurance platforms like InsuranceMarket.ae understand the unique needs of drivers in the UAE and offer tailored car insurance plans that include essential roadside assistance coverage. This can help customers choose the right plan that provides the best protection and support on the road.
Frequently Asked Questions (FAQs)
Q: What should I do if I have a vehicle breakdown?
First, move your vehicle to a safe location if possible. Turn on your hazard lights and call your roadside assistance number, providing them with your policy number and location details.
Q: What is 24×7 roadside assistance?
24×7 roadside assistance is a service that offers help around the clock, every day of the week, ensuring that you can receive support for your vehicle anytime, anywhere.
Q: How do I claim roadside assistance?
To claim roadside assistance, you typically need to call the assistance number provided by your insurance company, provide your policy number and details of your situation, and wait for the service provider to arrive at your location.
Q: What is roadside assistance cover in car insurance?
Roadside assistance cover in car insurance is an add-on service that provides various types of support when your car encounters problems on the road, such as towing, tyre changes, fuel delivery, and more.
