Smart Drive Private Car Stand-Alone Own Damage Insurance Add-on – Roadside Assistance ( from Bharti AXA General Insurance Company)

Scope of cover Subject otherwise to the terms, exceptions, conditions and limitations of this Policy, in consideration of payment of an additional premium by the Insured, it is hereby agreed and understood that notwithstanding any terms contrary under the Policy, the Company shall provide the Insured, upon request, with any one or more of the following emergency assistance services during the Policy Period as per plan selected in Policy schedule, in any area where the Company has its presence through its network garages or through the network of the service providers:

1. Towing on breakdown/accident: In the event of the Insured Vehicle is immobilized or rendered unfit for the purpose of driving on the road, the Company shall provide appropriate towing services to the nearest garage (within a radius of XX kms from the location of the breakdown/accident), provided always that any charges for a distance beyond the one mentioned herein shall be borne by the Insured.
2. Breakdown support over phone: In the event of minor mechanical errors/faults/non-functioning of the Insured Vehicle or any part thereof, the Company shall provide the Insured with telephonic assistance to come up with solutions for such minor mechanical errors/faults/non-functioning of the Insured Vehicle.
3. Arrangement/ Supply of fuel: In the event of the Insured Vehicle is immobilized due to emptying of fuel tank, the Company shall arrange for supply of up to five litres of fuel, at the location of the breakdown. Provided always that all labour costs and conveyance costs shall be borne by the Company and all expenses on fuel shall be borne by the Insured.
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For complete list of  assistances and policy wording as listed on IRDAI check here

Smart Drive Private Car Stand-Alone Own Damage Insurance

This primary insurance policy is designed to provide protection from loss or damage to the private car of the person who buys the insurance for the conditions listed below.

Read more on the primary policy and available add-on (key replacement cover, outstanding loan cover, roadside assistance ……) check here

This is our “Government listed Insurances (2019-2020)” series where we provide details of different policies and their “add-on” policies as is listed on the IRDAI (Insurance Regulatory and Development Authority of India) websites. Insurance companies are required to list their products on as approved by the IRDAI, you can of course reach out to the company to get more details. We aim to provide you with the version that is listed on the government regulatory website (no information here is taken from the insurance company website).