by Venus Zoleta, on category "Car Insurance"
January 7, 2019
When shopping around for car insurance, one of the terms you’d often encounter is roadside assistance. Wondering if you need to add it to your comprehensive insurance policy?
Here are the essential facts you need to know when deciding if you should get roadside assistance coverage in the Philippines.
Roadside assistance is a car insurance add-on that provides professional services to policyholders when their vehicle breaks down or figures in an accident.
If your insurance policy has this coverage, you just have to call your provider’s 24/7 assistance hotline to get help during a roadside emergency. Depending on your needs, the car insurance company may send a tow truck to move your car to a repair shop or a technician to perform a minor repair like changing a flat tire or jumpstarting your battery.
The services that make up road assistance programs vary from one car insurance provider to another. But there are commonly available services for covered vehicles.
Having this car insurance coverage will work to your advantage. More than convenience, it will make your life less risky on the road.
When your vehicle stalls, you can just call your car insurance company and have it towed to a repair shop without worrying about bothering your family or friends. If an MMDA’s accredited towing company is the one that tows your stalled car, you’ll be issued a traffic violation ticket.
The extremely hot weather in the Philippines, especially during summer, raises the risk of overheating. More so if you aren’t maintaining your vehicle properly. You can count on your roadside assistance coverage when your engine is about to overheat. If your temperature gauge reads high, don’t drive any further—pull over to the roadside and switch off your engine. Then call your insurance provider’s 24/7 hotline to request a tow truck that will bring your car to the nearest repair shop.
The fuel delivery service can save you when you’re low on gas and there’s no nearby gasoline station. It helps you prevent your car from running out of fuel, a scenario that can cause engine damage and costly repair.
That dreaded car breakdown or accident can cause so much inconvenience and make you feel helpless while you’re stranded. Wouldn’t you want the peace of mind knowing you’ll get immediate help when you need it desperately?
While it’s great to include this add-on to your car insurance policy, you must also consider other factors when deciding whether you really need it or not, and whether you must get this coverage from a car insurance company.
Some auto dealerships like Toyota and Ford provide complimentary emergency roadside assistance along with the purchase of a car for the first year or two. So if yours is brand new, you may not need to get roadside assistance through your car insurance provider.
This car insurance add-on makes a better investment for older cars. However, note that insurance companies put an age limit (ranging from five to 15 years old) to vehicles that qualify for roadside assistance.
The more frequent you drive, the more likely your car will break down. In this case, you need roadside assistance more than someone who drives less often.
If you take road trips or drive regularly to places that are new to you, it makes sense to get roadside assistance coverage. You need help when your vehicle is in trouble in an unfamiliar location.
But it isn’t necessary if you often drive just around your neighborhood where there’s a nearby gas station and mechanic.
If you regularly drive along expressways such as NLEX, SLEX, and SCTEX, it’s better to become a member of the Automobile Association Philippines (AAP). Members can avail of free 24/7 emergency roadside service within AAP services areas. Only the AAP has the authority to provide towing services in expressways in the Philippines.
Non-members can contact AAP for roadside assistance in an expressway, but they have to pay a service fee and then claim for reimbursement from their car insurance provider.
If you have an existing car insurance policy, getting roadside assistance coverage is just a matter of asking your provider to add it to your main policy.
But if you don’t have a policy yet, the easiest way is to buy a comprehensive car insurance package that includes it for free.
Most insurance companies in the Philippines cover 24/7 emergency roadside assistance under their car insurance policies. Here are some of them:
Getting help when you need it the most while stranded on the road due to a breakdown or accident—this is what roadside assistance is all about. Carefully consider your needs, vehicle, and driving habits to make the right decision.