In a country as diverse as India, there is no reason to not go on a road trip. Imagine driving across the majestic ghats on the western coast or speeding past the opulent palaces in Rajasthan. Be it with family or friends or a solo drive, a road trip offers a great combination of adventure, thrill, and offers you an opportunity to absorb the country’s diversity. With most highways being maintained beautifully by the government, and restaurants/dhabas and bed and breakfast places cropping up all across the country, all you need is a car prepped for a long drive, and you can gift yourself and your loved ones,megabytes of memories.
As fun as it can be, a road trip can also be risky due to over speeding vehicles, heavy trucks, and badly lit roads, etc. Hence, it is important to be financially prepared for any losses or damages arising from an accident or mishap involving your vehicle. While a comprehensive car insurance policy provides cover against such costs, when you are out on a road trip, the chances of a mishap or an accident increase. Hence, you need some specific add-ons with your car insurance policy that can be useful while you are on the road. Here is a list:
1. Roadside Assistance
Since the roads are always uncertain, and road trips are a rage among travellers, many people are taking the unknown roads to experience the excitement and adventure that such trips bring. Imagine yourself on a road trip driving through the middle of nowhere, and your car breaks down. It’s the middle of the night, and there is no help in sight. This is where a roadside assistance add-on cover can come handy. This cover ensures that the insurer provides a helping hand in such situations. Usually, roadside assistance offers the following benefits:
- Emergency towing service
- Jumpstart service
- Emergency mechanic services for an electrical or mechanical breakdown
- Instant replacement of a damaged tyre
- Instant delivery of fuel to your location
- Sometimes you can forget your keys inside the car and lock yourself outside. This cover can help you get a spare key delivered to you in the shortest possible time.
- Sometimes the damage can be big enough that needs a few days of repair. In such cases, the insurer can arrange for a cab/courtesy car and might even arrange accommodation in a nearby hotel.
It is important to remember that some insurers may exclude some of the features mentioned above or charge you for some.
2. Engine Secure
Long drives can take a toll on the engine of your car. This cover ensures that the insurance company reimburses repair and/or replacement expenses for the loss or damage to the internal parts of the engine, transmission, gearbox, etc.
3. Emergency Transport and Hotel Expenses
Accidents come unannounced. Hence, it is prudent to be financially prepared in the unfortunate event that there is major damage to your car. Car insurers like Tata AIG offer exclusive emergency transport and expenses cover that pays for the overnight stay and emergency transportation to the nearest city if your car is immobilized after the accident. This is extremely helpful if your car breaks down in the middle of the trip and you need to reach the nearest city.
4. Tyre Secure
Indian roads can be difficult on the tyres too. If you regularly go on road trips, then a tyre secure add-on is a must. While this does not cover replacement costs due to wear and tear, in the event of an accident or a mishap. If you are buying this cover, then ensure that you read all the conditions to ensure that your tyre replacement claims are met.
Your car insurance policy can offer a comprehensive cover if you choose add-ons based on the way you use your car and where you use it. Ensure that before buying the policy, you research motor insurance options online and choose the right add-ons. While the Insurance Regulatory and Development Authority of India (IRDAI) has mandated all cars to at least have a third-party liability cover, people who use their cars frequently must ensure that they buy adequate insurance to protect them from financial losses arising from accidents or mishaps.
Long road trips are riskier than regular city drives. Hence, before going on a road trip, it is important to ensure that your car is in good condition and you have enough protection against financial losses arising from an accident or a mishap. Insurance companies like Tata AIG offer a range of add-ons to help you get the kind of coverage that you need for a road trip. No one can predict a mishap or an accident. However, we can at least ensure that we protect ourselves and our loved ones financially if things go south while driving. Remember, add-on covers can add a lot of power to your policy and ensure that you receive the right cover for your vehicle. Drive safe and enjoy the journey across our magnificent country.