1. Home
2. Blogs

Outstation Emergency (Accident or Breakdown) Add-on Cover in Car Insurance

• 
• 
• 
• 0
• 0

For most car owners, one of the biggest nightmares is an outstation car emergency, that may be caused due to an accident or a breakdown. With super-modern engines, it is quite unlikely that a car engine malfunctions or breaks down, but road accidents can occur anywhere anytime. Being stranded on the roadside can not only spoil your mood and your day but can also put you in danger. While your comprehensive car insurance policy will cover the cost of repairs, what can save you in case of a breakdown is an Outstation Emergency Cover in Car Insurance.

What is an Outstation Emergency (Accident or Breakdown) Add-On Cover?

As the name indicates, an outstation emergency add-on offers you financial help in case of emergency situations such as car breakdowns and accidents. In case you get deserted, your car insurance company will come to offer you all possible assistance. In case small repairs are required, the team may be able to fix them at the site. However, if your car needs to be taken to a garage for repair, your vehicle will be taken/ towed to the nearest service station. If required, the company executives will drop you at the nearest safe place of your choice.

Let us take a quick look at the best features offered by the Outstation Emergency Add-on in your comprehensive car insurance policy:

1. Towing service is offered up to a certain radius

2. In case the battery dies, your vehicle will be given a jump start

3. In case of a flat tyre, the technicians will bring a spare one if needed

4. An empty fuel tank can also be refilled

5. With the lockout service, a set of spare keys will be arranged for you

6. In case your vehicle will take time to be repaired, your outstation emergency add-on will provide you with hotel accommodation.

Things to know about Outstation Emergency (Accident or Breakdown) Add-On Cover

The following points must be remembered when you buy or make use of the Outstation Emergency Add-on Cover:

1. Just like all other add-ons, the Outstation Emergency Add-on can be purchased with a comprehensive car insurance policy and standalone car insurance, but not with third-party liability insurance.

2. To buy this premium, you will have to pay an extra premium. However, as compared to the advantages that come with this add-on, the premium is quite affordable.

3. A big advantage that comes with the Outstation Emergency Add-on, the emergency situation should take place at least 100 km away from your registration location.

4. When you make an Outstation Emergency claim, it does not affect your hard-earned No Claim Bonus.

5. This cover can be purchased for 1 year to 3 years.

6. In an Outstation Emergency Add-on, the number of claims you are making are limited. Check them before you buy the product.

7. In case the outstation emergency has occurred because of the following reasons, the claim may not be accepted:

a. The driver was intoxicated

b. The driver was not authorized to drive as he/ she was without a valid license

c. The accident happened while participating in an adventure sport/ illegal activity

Tips to manage an outstation car emergency:

One may not be able to avoid an unforeseen accident or a car breakdown, but when you have the protection of an Outstation Emergency Add-on Cover or a Roadside Assistance Cover, you would be fully equipped with all possible support to get back on the road soon. You may have to wait a while in case you are in a remote area. In such a situation, keep the following points in mind:

1. Switch on your car’s hazard lights

2. Park your vehicle off the road, push it in case your car is out of fuel

3. Try to stay in shade and keep yourself well hydrated

4. Properly position (at least 45 meters away) the Car Breakdown Warning Triangle/ Reflective Road Hazard Triangle behind the car

5. Inform your friends/ family and send your GPS location to them

Even the most independent and intelligent car drivers can panic in case their car breaks down or get involved in an accident, especially if this happens in the middle of nowhere. However, being aware of things that can be done, will help you come out of such a situation in an easy and comfortable way.

Seeking help in case of an emergency

In case of an emergency situation, it is essential that you follow all the procedures carefully so that you can get help as soon as possible. Following proper procedures will also ensure that you are able to make a claim without any hassles. In case of an emergency you need to keep these pointers in mind:

1. Notify the Insurance Company

The first thing you need to do is to report the accident or breakdown to the insurance company. The company will soon send technicians and other required staff to help. A surveyor may also accompany the team to access the loss and prepare a damage report in case of an accident/ collision.

2. Provide all Details

Make sure you clearly give all the details of the accident/ breakdown to the company. Keep in mind that it is your duty to divulge all details and not hide anything. The insurance company will investigate all the details and then only process the claim.

3. Repair Work

In case of an accident always prefer to get your car repaired at a network garage. The repair cost at a non-network garage will be borne by you, however, later you can always claim a reimbursement.

Conclusion

Going out of town to attend a social event, getting out of town for a weekend or just going for a long drive, a flat tyre or a car breakdown is the last thing you want. But accidents do happen at a time when they are least expected. And being in a god-forsaken place can be quite traumatic. If you are a regular traveller who moves around in and around your city, make sure you include the Outstation Emergency Add On Cover in your comprehensive car insurance policy.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

RELATED ARTICLES

Roadside assistance add-on comes to your rescue when you are stranded

Understand Roadside Assistance Cover in Car Insurance

Benefits Of Having A Roadside Assistance Cover In Your Car Insurance Plan

---

• 
• 
• 
•