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Vehicle Breakdowns and Why you don’t need to bother

Posted by Royal Sundaram on 21 Dec 2017

Vehicle Breakdowns and Why you don't need to bother!

We all know that having a car insurance is mandatory if you own a car. No one who has driven a car can disregard the benefits of having a car insurance policy. The roads present themselves as battlegrounds where you are bound to lose without the proper armour. In this case, it being a comprehensive car insurance policy.

Of the many things that could go wrong on the road while driving, your vehicle breaking down is a big cause of concern. In metropolitan cities, daily commute can be hectic. Adding to this constant stress of dealing with bumper-to-bumper traffic is causalities such as breakdowns. However, we have a solution for you.

Among the numerous benefits of availing a car insurance, here is one more. If your motor vehicle breaks down in the middle of the road, there is no reason to fret. Your comprehensive motor insurance can take care of these problems. There are two solutions to this problem.

Method One

  • Ø If your car breaks down, you can claim roadside assistance that is provided by your insurance company. Your insurance is compelled to provide your with 24/7 roadside assistance regardless of the problem.

  • Ø However, if your car cannot be repaired on the spot, then you can call up your insurance company and avail a free towing facility. As part of your car insurance, you can claim towing services for all leading manufactures across the country.

Method Two

  • Ø Since you have a dedicated helpline service that is ready to listen to all your claim queries, if you are ever in the need you can avail cashless claims. You will also be assigned a personal relationship manager who will assist you with the claim procedure.

  • Ø Vehicle breakdowns are usually caused due to some internal damages. If roadside assistance facilities cannot resolve your problem, then you will be required to send your car for servicing. With a plethora of cashless garages at your disposable, you can simply ask your relationship manager to find the one nearest to you.

In this process, while the first method is fairly easy, the second requires you to know how to make a claim. In order to ensure that you are not stranded on the road, here is the procedure of making a claim in 4 steps:

  1. 1. Call up your insurance company and lodge your claim. Each claim will only fall into place after a survey of your vehicle is conducted. Once the survey certifies that your car needs servicing, then the claim will be initiated.

  2. 2. For a claim to be approved your need to submit your online registration certificate and your driver’s licence. If all your required documents are in order, you can avail cashless claims.

  3. 3. Your vehicle will have to go in for re-inspection once your repairs are complete in order to ensure that in the future a similar claim does not come up.

  4. 4. To intimate a claim you need to submit, your phone number, policy number, name of insures individual, vehicle number, make and model, location, and the date and time of the event.

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