What is RSA In Car Insurance

What is RSA?

Road Side Assistance is also known as on-road protector. It assists if your car gets damaged while traveling and helps you to resolve the issue. The 24*7 services under RSA can make your driving experience better and safer. All you need to do is call your insurance company and inform them about the damage, and a technician will be available for help.

While third-party insurance is a legal compulsion in India, you can not buy an RSA add-on with it. To add RSA to your car insurance, you should opt for a comprehensive insurance plan. It not only covers your expenses but also helps you to deal with unexpected roadside problems.

Factors to Consider Before Buying RSA

Some factors affect the RSA buying decision. Let’s understand them briefly:

• Distance Travelled: If you are planning a long drive, you should get an RSA add-on to avoid sudden mechanical issues.
• Usage Frequency: If you use your car frequently and for longer distances, you should purchase this cover. Frequent use can cause wear and tear that may result in unexpected issues.
• Vehicle’s Age: New vehicles are in good working condition, so you may not need RSA insurance. But in the case of old cars, RSA is required to maintain them in good condition for a longer time.
• Comfort and Affordability: If you are looking for comfort and convenience, then RSA is the right add-on for you. This will help to save your money from unexpected repair expenses.

Inclusions under RSA

The roadside assistance add-on includes coverage for the following:

1. Battery Jumpstart

Battery breakdown is one of the most common issues faced by car owners. Your car battery can die due to many common reasons, such as hot or cold weather. In case of a dead battery, the RSA add-on will benefit you by providing free mechanical assistance.

2. Empty Fuel Tank

To drive a car, you need fuel. With the help of the RSA add-on, in case you run out of fuel, the insurer will help you on the spot. The insurance company will provide fuel up to 5 litres exactly to your current location. However, the quantity varies from insurer to insurer. Check the preferable plan completely to know more about this benefit.

3. Taxi Benefits

If your car gets damaged badly and it is taking time to get it repaired, this add-on can help you in getting a taxi to reach your destination. You also get accommodation support in such cases from the insurer.

4. Flat Tyre

Every driver is afraid of the frustration of a flat tyre. This happens mostly when you drive on rough surfaces or off-road. So, you can get help under roadside assistance to replace your flat tyre with a spare tyre.

5. Towing Facility

When an appointed mechanic can not repair your car or it is not in the condition of getting repaired, towing it to the garage becomes important. RSA covers the expense incurred in towing the car to the garage.

6. Minor Repair

The insurer provides on-spot mechanics for this minimum damage under the Roadside Assistance add-on. It covers the expenses of minor repairs.

7. Lose of Key

In case you lose your key or forget it in the car, you can call your insurer for help under this add-on. They will immediately send some help by arranging spare keys for your car and bear the expense themself.

Exclusions under RSA

Some expenses are not covered in RSA, including:

• No coverage if your car was used for racing or illegal activities.
• Claims can be rejected if you repair the car without informing the insurer.
• Drunk driving excludes you from coverage.
• The driver must have a valid license.
• If you could fix the problem yourself, RSA may not pay.

Benefits of Roadside Assistance

These are some of the benefits of purchasing RSA. Here are some of them:

• Can get mechanical assistance anywhere, anytime.
• More coverage with affordable costs.
• Due to online platforms, you can buy this add-on easily.
• Reduce hassle and stress while driving.
• Regular checks save you from unexpected expenses and make driving stress-free.

Process to Claim RSA Car Insurance for Breakdown

To claim the RSA benefit, you have to follow the given steps:

• Step 1: Connect with your insurer through a call.
• Step 2: Share registration details, insurance ID, and information about the damage.
• Step 3: Tell the type of help you need under the RSA add-on.
• Step 4: After verification, the insurer will provide the required service under RSA cover.

Conclusion

Roadside Assistance (RSA) is much more than just an add-on that ensures the safety of your car on the road. RSA makes sure that you get repair services faster. If you are someone who loves long drives and owns an old car, this add-on will help you to avoid excessive costs of repair.

With all the above-mentioned details of the RSA add-on, you can understand its importance in a better way.

Remember, it is always nice to be ready to face problems. At Square Insurance, we advise adding RSA to your comprehensive policy for worry-free journeys.

Get the RSA add-on and be stress-free!