What is roadside assistance coverage?

Roadside assistance coverage is a service provided by insurance companies, automobile manufacturers, or specialized service providers. It offers assistance and support to drivers who experience car breakdowns, emergencies, or other roadside issues.

What services are typically covered by roadside assistance?

Roadside assistance coverage typically includes services such as towing, jump-starting a dead battery, flat tire assistance, fuel delivery, lockout service, and minor mechanical repairs. The exact services covered can vary depending on the provider and the specific coverage plan.

How do I access roadside assistance when I need it?

To access roadside assistance, you usually need to call a dedicated phone number provided by your insurance company or service provider. They will ask for information about your location, the nature of the problem, and any specific details required to dispatch the appropriate assistance.

Is roadside assistance coverage only applicable to my car?

Roadside assistance coverage is typically associated with a specific vehicle. However, some programs offer coverage that extends to the driver or household, regardless of the vehicle being used. It's important to check the terms and conditions of your coverage to understand who and what is covered.

Is roadside assistance coverage included in my car insurance policy?

Roadside assistance coverage may be included as an optional add-on to your car insurance policy, or it may be offered as a separate service by the insurance company. Some car manufacturers also provide roadside assistance as part of their warranty or service package.

Is roadside assistance coverage available 24/7?

Yes, most roadside assistance programs operate 24 hours a day, 7 days a week, including holidays. They understand that emergencies can happen at any time and strive to provide assistance whenever needed.

Can I get roadside assistance if I'm not the registered owner of the vehicle?

It depends on the specific terms of your coverage. Some roadside assistance programs may extend coverage to drivers who have permission to use the vehicle, while others may require the registered owner to be present. Check with your provider to clarify the details.

How quickly will Roadside Assistance arrive?

Typically, Roadside Assistance arrives within 30-60 minutes, but this depends on your location.

Is Roadside Assistance available nationwide?

Yes, Roadside Assistance is available across the entire country.

What do I do if my car breaks down?

Call the Roadside Assistance helpline, provide your details, and help will be sent to your location.

Can I use Roadside Assistance if my car is in an accident?

Roadside Assistance does not cover accidents, but it can arrange towing and take your car to the nearest garage.

Are there any restrictions on using Roadside Assistance?

Roadside Assistance is available for all covered vehicles, but it does not cover negligence, accidents, or theft.

Clutch Protect Cover

Name: Roadside Assistance
Brand: Zurich Kotak General Insurance
Rating: 4 (450 reviews)

Instant policy with zero paper-work

Quick and hassle-free claim process

4/5

We take your safety seriously

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Claims

Upto 50%

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24/7

Around The Clock Assistance

Note: The above data is till 30th Sep, 2024

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Safety

What is Car Insurance

What is clutch protect add on cover?

Clutch Protect is an optional add-on cover available with car insurance policies. It provides financial protection for the repair or replacement of the clutch plate if the insured vehicle becomes immobilized due to clutch burn. This add-on is designed to reduce the financial burden on customers and ensure their vehicle is back on the road quickly.

Key features of clutch protect add on cover

Coverage for Clutch Burn

The add-on covers expenses for repairing or replacing the clutch plate when the vehicle is immobilized due to clutch burn. The coverage is limited to the Sum Insured specified in the policy schedule.

Independent Claims

Customers can make a claim under this add-on even if they do not raise a claim under the base insurance policy.

Authorized Repairs

Repairs or replacements must be carried out at authorized service centers to ensure quality and compliance with the policy terms.

General Terms and Conditions:

1. Eligibility:

Only damages caused by clutch burn are covered. External or accidental damages are excluded.
The add-on cannot be added mid-term; it must be purchased at the time of policy issuance.

2. Claim Notification:

Claims must be reported within 30 days of the incident. Delays may be considered if valid reasons are provided in writing.

3. Repair Conditions:

Repairs must be carried out by authorized service providers. Unauthorized repairs will not be covered.

4. Transfer of Ownership:

The add-on cover cannot be transferred to a new owner unless the transfer is to a legal heir or from an employer to an employee.

Exclusions:

1. Consumables: Costs for items like nuts, bolts, grease, etc., are not covered.

2. Initial Waiting Period: Claims cannot be made during the first 30 days of the policy's start date.

3. Unauthorized Use: Vehicles used for racing, rallying, or motorsports are not covered.

4. Total Loss: No payment will be made if the vehicle is declared a total loss under the base policy.

5. Manufacturer’s Warranty: Claims covered under the manufacturer’s warranty are excluded.

Other add–ons available with car insurance policy by Zurich Kotak General Insurance

Zurich Kotak General Insurance offers a range of add-on covers to enhance your car insurance policy, providing additional protection tailored to your specific needs. Here are some notable add-ons:

Depreciation Cover

Depreciation cover add-on ensures that during a claim, depreciation on replaced parts is not deducted, allowing you to receive the full claim amount without factoring in depreciation.

Consumables Cover

Covers the cost of consumable items such as engine oil, nuts and bolts, and other materials that require replacement due to damage from an insured event.. Know more about car insurance consumables add on coverage.

Engine Protect

Offers coverage for damages to the engine and gearbox resulting from incidents like water ingress or lubricant leakage, which are not typically covered under standard policies. Know more about car insurance engine protect add on.

Return to Invoice Cover

In the event of total loss or theft of the insured vehicle, this add-on ensures you receive the original invoice value of the car, bridging the gap between the insured declared value (IDV) and the purchase price. Know more about car insurance return to invoice add on coverage

How to buy clutch protect add-on?

Hassle-free insurance at your fingertips with our easy and fast online process

Get All-round protection for your precious vehicle in a few steps. We at Zurich Kotak General Insurance understand the value of your time and have simplified the car insurance buying process to a few simple steps.

Call or visit Zurich Kotak General Insurance’s website.

Choose the clutch protect add-on while renewing or purchasing you car insurance policy.

Upon purchase, you'll receive round-the-clock clutch protection for the entire duration of your policy.

Reviews & Ratings

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We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

Car Insurance

Thank you for this wonderful service. I am in defence forces and I dont much time to take the car personally to the service center. Still you guys cooperated with me and repaired my car. Thank you so much.

Car Insurance

Surveyor Mr . Debraj was very Excellent he was help me and guide me from claim intimate to claim close .

Car Insurance

It was nice experience and very easy process.... No hassle.... Keep it up..... I highly recommend you to others..

Car Insurance

5-star experience! Mr. Loganathan, the surveyor, was exceptional. From inspection to settlement, he kept me informed every step of the way. His professionalism, transparency, and regular updates made the entire process seamless and stress-free. Im extremely satisfied with Zurich Kotak General Insurances service. The way my claim was handled was impressive, and Im grateful for the support. Highly recommend Zurich Kotak General Insurance to anyone looking for reliable and efficient service. Kudos to Mr. Loganathan and the entire team!

How to download your policy copy

Here is your step-by-step guide to access your policy copy

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.

Click on the link

Enter your policy number

Enter your registered mobile number Or your registered email Id

Click on Get OTP

Type the OTP and click on download car insurance policy document

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Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

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RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locations

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.