14-09-2016 06:30 PM
Usually, insurers provide necessary help if in case your vehicle breaks down on way.
06-04-2018 09:03 AM
1.What I mean while providing these help to insurer in case of vehicle break down are there again any charges involved ?
2.what type of services are covered under this?
3.What is contact number i should dial in case of emrgency ?
4.How fast the insurer receive the help?
5.In whcih states of India this is provided? is there any limitation?
Request for detailed answer.
06-04-2018 01:28 PM - edited 06-04-2018 01:31 PM
You will have to avail this benefit while buying the insurance. As its an add-on.
So when and where you will require this assistance, the company will provide you services.
For you will have to pay for your expenses. For example: In Fuel Delivery, you will receive the fuel, but you will be asked to pay the fuel expense. The company won't pay for the fuel.
2. Some of the coverages are :
“On-site” Minor Repairs of the Covered Vehicle:
In the event of immobilization of the covered vehicle due to mechanical or electrical breakdown and as long as the said fault can be repaired at the place of immobilization within a maximum time period of sixty minutes, ASSISTANCE will proceed with the on-site repair of the breakdown. Neither supply of parts or replacement elements, nor materials, in general, are included in this coverage. The areas and elements of such repairs shall be limited to the extent as agreed with the insurance company.
If keys of the covered vehicle are lost or misplaced, the company shall arrange to forward the duplicate set from his/her place of residence. This service is applicable within a radius of 50 km from the place of breakdown to customer’s residence. (or the distance as prescribed by the company)
Locked/ Lost Keys:
In case the keys of the covered vehicle are locked-in, ASSISTANCE will help the Client as much as possible to get keys out of the vehicle. Any breakage of glass or door beading, if required shall be with prior approval of the client and to their account. In case the keys are lost the company shall tow the vehicle to a nearest safe place. The client shall have to arrange for a duplicate set at their own cost and efforts. The company shall surely help, if possible, them to find an appropriate solution.
Battery Jump Start:
If the Covered Vehicle does not start due to the battery being discharged, ASSISTANCE will arrange to jump-start the battery. Neither the supply of parts or replacement elements nor materials, in general, are included in this service coverage.
If the Covered Vehicle has a punctured or burst tire, ASSISTANCE will take care of changing it with the spare tire carried in the Client’s vehicle. In a case where spare tire cannot be used, the company shall either tow the vehicle to nearest tire repair shop or accompany the Client to nearest tire repair shop and back to the vehicle. The Client shall have to pay directly to the tire repair shop.
If the Covered Vehicle runs out of fuel the company can deliver up to 5 liters of fuel (petrol or diesel only). Cost of fuel shall be paid by the client on the spot. This service is applicable within a radius of 50 km from Place of Breakdown to nearest applicable vendor or cities under coverage network. Distance limit in this benefit is due to practical hazards of carrying fuel over long distances.
Emptying of the Fuel Tank:
If fuel tank of the Covered Vehicle is filled with the wrong fuel, ASSISTANCE will bear the cost of emptying it, using a technician approved by ASSISTANCE. In case this service is not feasible, the vehicle shall be towed to the nearest location.
Towing and Removal of the Covered Vehicle:
In the event that Covered Vehicle is immobilized due to the breakdown or accident and “On-site” repair is not possible, ASSISTANCE will arrange the towing of the Covered Vehicle to the nearest workshop or garage approved by the company.
In case the removal or extraction of the vehicle is needed, ASSISTANCE will arrange the service on the payable basis. These costs shall be payable on-spot by Client directly to the service provider.
3. I know for HDFC ERGO, either you can call the toll-free no and dial '*', and your request is submitted. Or they have alternative no: 18002095775.
4. Assistance to reach the breakdown location within 60 mins from activation of the service (within city limits),
But In case the breakdown location is outside city limits it will be calculated 60 mins + 2 mins per KM from activation of the service.
5. This service is available all over India, you will just have to call the company and ask them to connect you to the nearest assistance provider.