Road assistance is an essential coverage in all car insurance , since no one is exempt from suffering on occasion with an incident with the car (it does not start, it has a puncture, the keys, etc.) that prevents it from arriving at work or starting a trip have been lost.
The objective of this coverage is essentially to give assistance to alleviate any situation in which the car, by breakdown or other circumstance, cannot circulate. In this sense, car insurers , whether it is online companies, provide the assistance service for both the vehicle and for people but, there are certain aspects that can make assistance coverage better depending on the insurance we choose.
Aspects of interest to assess this coverage
From what kilometer the assistance is provided
When we make a comparison between the different insurance, the most important aspect is to know the limitations imposed by insurers to offer this service. While vehicle assistance is offered in almost all policies from km 0 (measured from your usual place of residence), to provide assistance services to people is not so and most insurers impose a minimum distance from home.
Therefore this point is extremely important when assessing such a coverage.
Explanatory example:
Imagine that after leaving your car in the garage you forget to put out the lights. You live on the outskirts of your city and the next day you leave on train vacation, you have to move by car to the station but, when you are going to take the car, you realize that the battery is empty and the car does not start. Only an insurer with good coverage would pay you the taxi to the train station.
Are the most common reasons covered that prevent a car from circulating?
Not on all the occasions we need to use the road assistance service has to be a serious breakdown that demands the car to a workshop, moreover, most incidents that attend the assistance services of insurance companies, as indicated from direct line, can be solved at the time.
Among the most common incidents stand out:
- Downloaded battery : it is necessary to start the car with some tweezers or set up a new battery
- Lack of fuel : It is necessary that the minimum to reach the next gas station is necessary
- Pneumatic puncture : it is necessary to put a spare tire
- Loss of keys : a duplicate is necessary to start the car
While almost all car insurance with road assistance provides assistance to battery discharge, there are insurers who would not provide the service for example if you lose the keys or a tire click.
Is a replacement vehicle included?
In the event that the mishap we have had is serious, it implies that we must leave the car in the workshop during the days that the repair lasts.
Being able to have a replacement vehicle during those days is one of the services most valued by users, since for many it can be somewhat essential since they need the vehicle to move to work.
Unfortunately, this coverage implies an important cost for insurers and that is why the vast majority do not include it in a standard way in policies.
Explanatory example:
You have a sinister whose result is that your car has to spend 5 days in the workshop to be repaired.
If you have hired a basic policy, during those 5 days you will have to take public transport to move from one side to another, while a quality policy will make a car at your disposal during the period that lasts the repair.
