Road service and breakdown cover are insurance policies that help drivers, or cyclists, whose cars have sustained a minor mechanical fault, leaving the driver stranded on the road. In the case of road repairs, Road Service Insurance covers the cost of repairs in an emergency and also reimburses the driver for lost earnings due to this. A breakdown cover takes over the role of Road Service Insurance and reimburses the driver for any car repairs required after he or she has stopped. However, it is not a compulsory policy.
Roadside Assistance covers the costs incurred by the driver of a motor vehicle who may be stranded on the road due to a malfunctioning component and can also take the place of Road Service Insurance. The cost of roadside assistance depends on the type of car you drive, the distance covered your experience, and your age. You should always insist upon having a Road Service Insurance policy in your car, which will reimburse you in the event of a major breakdown or a breakdown due to a fault that is not your fault.
When you are traveling to an unknown location, it is advisable to have Road Service Insurance in your car, along with Roadside Assistance. This will help you save a lot of money when you get stranded on the road. If you are a novice driver and your car is brand new, you should consider carrying only Road Service Insurance.
Road Service Cover is very essential, as it helps in saving a lot of money, as compared to the normal cover. Road Service Insurance has a fixed premium, which is set by the Insurance Regulatory and Development Authority (IRDA), which determines how much the premium should be based on the type of car. So if you drive a small, light vehicle, you should expect to pay less for this type of coverage.
On the other hand, for heavier vehicles like cars, SUV’s and trucks, you need to buy Comprehensive Road Service Insurance. This is required because these cars can take a lot of abuse while on the road, which can damage their engines and parts of the car. Hence, they need to be covered in case of a road accident. Road Service Insurance does not take care of such issues, but Comprehensive Road Service Insurance will. reimburse you for any damage to the engine or the parts of the car.
Road Service Insurance and Roadside Assistance cover will vary according to the state, which you are driving in, so you should check out all the cover options before purchasing your policy. You will need to have a minimum of 2 types of cover, depending on the state you live in, to ensure complete coverage for both the drivers and the cars.