24x7 Roadside Assistance Cover: A Must-Have Motor Insurance Add-On

A roadside assistance cover is an add-on under motor insurance that helps drivers during unexpected vehicle breakdowns, flat tyres, battery failures, or towing emergencies. In India, roadside emergencies are becoming more common as vehicle ownership rises steadily.

According to the Times of India, total vehicle sales in India touch nearly 2.83 crore units in FY2025-26, while highway traffic volumes continue to grow each year.

With more people travelling longer distances for work and leisure, having dependable 24/7 roadside assistance in India is no longer just convenient; it has become an important safety and mobility feature for modern drivers.

What is 24x7 Roadside Assistance?

When you buy a vehicle, be it a two-wheeler or a four-wheeler, you are required to buy a third-party insurance plan along with it. This plan has to be renewed regularly to cover the vehicle throughout the duration of the policy. You can fortify the coverage further by opting for a comprehensive motor insurance policy.

A comprehensive plan can be enhanced with add-on features. These are additional covers that offer special features for your vehicle. One such add-on is 24x7 Roadside Assistance coverage. This is commonly available with a comprehensive car insurance policy and may influence your premium amount to a certain degree.

It is the type of cover that you may find useful if your car or bike were to ever break down on the road and you need help with the same. Using this cover, you may be able to claim breakdown assistance as a part of your policy.

Thus, if your vehicle were to have a major breakdown, you may be able to get assistance for the same without having to worry about the cost.

* Claims are subject to terms and conditions set forth under motor insurance policy.

Also Read: How to Claim Motor Insurance and What Documents Are Required?

Which Services Are Included in a Motor Insurance RSA Services List?

A detailed motor insurance RSA services list generally includes multiple emergency support features designed to help drivers during breakdowns. Here is a detailed overview of what services are covered in roadside assistance:

Flat Tyre Assistance

If your car becomes immobilised due to a flat tyre, a technician will visit your location to repair or replace the tyre.

Minor Repair on the Spot

If your vehicle faces a minor mechanical or electrical issue that can be fixed immediately, the technician will provide on-site repair assistance.

Key Lockout or Spare Key Retrieval

If you lock, lose, or misplace your car keys, the service provider can unlock the vehicle or deliver a spare key from your home or office.

Battery Jump-Start Support

In the event of a dead battery, roadside assistance will arrange for a technician to jump-start the vehicle. If the battery needs replacement, the replacement cost will need to be borne separately.

Fuel Delivery Assistance

If your vehicle runs out of fuel, emergency fuel support may be arranged at your location on a chargeable basis.

Emergency Towing Service

If an accident or a major mechanical or electrical issue prevents your vehicle from operating, the service provider may tow your vehicle to the nearest garage within a specified radius.

Emergency Message Relay

In case of a breakdown or accident, the service provider can send urgent messages to your family member.

Also Read: Top Motor Insurance Policy Add-Ons to Maximum Protection

Taxi Assistance

If your car breaks down outside your home city and cannot be repaired on the same day, the service provider may help you arrange alternate transport to continue your journey or return home.

Hotel Accommodation Support

If your vehicle requires extended repairs away from your home city, the service provider may help you find nearby hotel accommodation. However, you will need to pay the hotel expenses directly.

Pickup of Repaired Vehicle

If your vehicle is repaired outside your home city, assistance may be provided to arrange a driver to collect and deliver the repaired vehicle to your preferred location.

RSA Add-On vs Standalone RSA Plans - What Should You Choose?

When choosing a roadside assistance cover, many vehicle owners often compare RSA add-ons with standalone roadside assistance plans. Both options offer emergency support, but they differ in cost, coverage structure, and convenience.

Here is a simple comparison to help you understand which one can be better for you:

Also Read: 11 Key Terms in a Motor Insurance Policy: You Must Know Before Buying

Should You Consider Buying 24x7 Roadside Assistance?

Whether you are a new vehicle owner or an experienced driver, it may help you to have this kind of cover to ensure that you have access to reliable assistance on the road when you need it.*

Here are two key reasons why you may like to consider 24x7 roadside assistance cover.

You Have an Older Vehicle

When your vehicle is new, it is less likely to give you much trouble. But if you own an older vehicle, it may be right for you to have this sort of coverage.

Distances Travelled

Such coverage may be especially helpful when you are travelling longer distances and in unknown locations. Getting help in such cases might be difficult. Thus, the coverage may be helpful.

Any additional coverage under motor insurance comes at an extra cost. Thus, it is essential to consider whether you need to add-on coverage or not before you make the purchase.

Conclusion

A roadside assistance cover is more than just an optional convenience. It can provide timely help during stressful roadside emergencies, whether it is a flat tyre, battery failure, towing requirement, or fuel shortage.

Considering the relatively affordable roadside assistance car insurance add-on cost, many drivers today view RSA as a practical extension of their motor insurance policy. If you regularly travel, own an ageing vehicle, or simply want added confidence on the road, this add-on can be worth considering.

You can explore motor insurance solutions and conveniently manage your policy through the Bajaj General Insurance app. Download the app now!

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.