You go to the car dealer to purchase a car and you are thrown with choices to buy Automobile insurance with Emergency Roadside assistance service. Emergency roadside assistance can be bought in various ways – 1) As a free service for one or two years along with the car purchase? 2) As an additional cheaper option in addition to the Car insurance or 3) As a separate purchase of emergency roadside assistance from any major player 4) As a separate purhcase of emergency roadside assistance from a small player.
One of the options is definitely thrown at the customer and if the customer is well read, he/she will know many options mentioned above as the available options in the industry. Considering the above options – choosing a small player for emergency roadside assistance or large player for emergency roadside assistance is a different topic to be discussed in another article.
The point of discussion in this topic would be is to go with the separate player as the vendor for emergency roadside assistance, instead of same vendor for car insurance and emergency roadside assistance. The reason is because it is better to go with the expert in the field, rather than secondary specialty vendor. The car insurance vendor might be an expert in car insurance, but might not be in emergency roadside assistance. So, it is better to go with the separate provider of emergency roadside assistance in India.
Be it a flat tyre, electrical fault or a minor mechanical defect, anything can disrupt your otherwise smooth car journey. It can be intimidating if your car breaks down in an unfamiliar territory. And this is when roadside assistance comes to your rescue.
It offers direct towing service in the event of problems, such as puncture, car running out of fuel and other emergency situations. Some insurance companies offer it along with the car insurance policy while such companies as AXA Assistance India and Cross Roads India Assistance offer roadside assistance as a standalone product.
Call up your car insurer for help and it will send a crew to your rescue point in no time. Essentially all the services are free, however, in some cases you will have to bear the costs. For example, if you run out of fuel, you will have to pay for refueling.
Again, if your vehicle has to be towed, you would have to pay for it. Some companies also provide taxi assistance and hotel accommodation if need be. This facility is most useful during the monsoon season when a vehicle is more susceptible to breakdown.
Roadside assistance offers a host of benefits to you, the policyholder. Here’s what you can get:
Roadside assistance is an essential aspect of your car maintenance and protection. In the unfortunate event of a breakdown or accidents, it is of great help. If you feel your current car insurance is able to take care of such emergency requirements, you can avoid buying a standalone policy. However, if your current car insurer does not give ample features in its add-on roadside assistance plan, go for a standalone policy.
Content Courtesy: policybazaar dot com
In “Emergency RSA” market in India as on date, there are startups coming up with apps past 1 to 2 years (breakdown mobile app, crossroads helpline, helponwheels, strandd, mericar etc.,) for Emergency Roadside assistance, but they don’t have the massive India wide network like major players like myTVS, CARNATION, ALLIANZ, INDIA ASSISTANCE, AXA ASSISTANCE, MAPFRE and other few.
Adopting this mobile app will be a good value addition for the major players and an additional strength for it’s business. That is a combination of the strength of the major player’s network/business and also the advantage of latest technology/startup. Sooner, the majors adopt the mobile app, it would be better and not to have the possibility of any startup overtake the majors.
Shortcut would be is to just acquire one of the mobile app company or just the technology and grow the emergency roadside business.
(a) Reaching out to help is easy.
(b) Enrolling is easy for vendors using this app, using check-in feature (Just by pressing check-in button at the location of vendor, it is easy to add vendor by locating the GPS location of the vendor). Just that the executives enrolling/confirming the vendor should validate and make sure the small/medium vendor is good.
(c) Additionally, this app will have details about police, ambulance, hospital etc.,
(d) This app could classify the vendor in the map – like Tyre vendor, Battery supplier, Car Towing, Spare parts supplier etc.,
(e) SOS functionality to send SMS to all mechanics near by.
(f) Bulk upload of vendor data from MS excel spreadsheet itself.
(g) Locate the moving mechanic also (in addition to mechanic shop) like the way you see the taxi today with OLA, if they have smart phone). The moving mechanic or the vendor location can be easily seen in the map in the app and it is easy to locate.
Even though 112 is decided as the SINGLE EMERGENCY NUMBER and it will take sometime to be effective in place, better to remember the above in case of emergencies. This is a repeated card many times by many, but I think we don’t completely store this in mind at all all the time.
However, don’t forget to download BreakDown Mobile App and keep it handy in your mobile for Emergency Roadside Assistance while you are driving anywhere in India.
There is no denying that we have all faced situations in which we have to use a first aid kit and most of these times we are in absolute emergency. So, why not make time to prepare home and travel kits for your family that comes in handy when you really need it.
Now, first aid kits can be basic or comprehensive. What you need depends on your medical training and your distance from professional medical help. Ready-made first aid kits are commercially available from chain stores or outdoor retailers, but you can make a smart, inexpensive first aid kits yourself at home and save some bucks on it.