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Irrespective of how one commutes, purchasing a comprehensive travel insurance policy is certainly a necessity and the plan should ideally change with every scheduled trip. Most people associate travel insurance if they are flying to reach a destination or taking a cruise. It is a rarity to discuss these while planning a road trip.

You can never go wrong with having travel insurance. In cases of theft or even medical emergencies, you’ll have a piece of mind knowing you are covered and secured.

That being said, there is always a chance that you will not need a flight to reach your destination, but just a happy road trip with your family. In such a scenario, you should be adequately covered with a road trip travel insurance. Following are some of the reasons why you need the same while planning your road trip:

travel insurance road trips

1. Delays in your trip

Once on the road, there could be many reasons causing probable delays and aberrations to your otherwise carefully planned road trip itinerary. Abrupt diversions and long-standing jams can result in issues, especially if you’ve pre-booked a vacation package that is non-refundable. Further, should you plan a trip to a remote area, there is a chance that travelling to and fro might become cumbersome.

In such cases, a road trip travel insurance can come to your aid by recompensing unforeseen expenditure.

2. Trip cancellation

For all the meticulous planning that went to it, you might need to cancel your trip at the eleventh hour. Therefore, it makes sense to have a formidable road trip travel insurance cover, particularly if your trip has certain non-refundable, pre-paid components to it.

Should your policy attach trip cancellation benefits, you’d be recompensed completely in the event of any last-minute cancellation or postponement. While most policies would have an in-built cancellation provision, you should do what you need to – read the policy document carefully in order to know all possible inclusions and exclusions.

3. Vehicle breakdown

You’re with your family, singing along to a happy tune in your car when it suddenly breaks down. You are in the middle of nowhere – with no garage or repairs centre in sight – and your car just refuses to start.

Now this is what nightmares are made of! However, if you’ve had the good sense of purchasing a road trip insurance from a reliable insurer, you’d be able to rest assured knowing that you’d get 24x7 Roadside Assistance - no matter which part of the country you’re stuck in.

4. Medical emergencies and accidental hospitalization

Before you travel, one of the first things you might want to check on is whether your travel insurance policy covers inter-state medical emergencies. While on a road trip, you could be faced with a number of medical issues – be it an instance of food poisoning or sustaining severe injuries resulting from an accident. This is where a road trip travel insurance with a medical emergency stipulation assumes significance.

5. Loss of personal belongings and valuables

Stranded in an unknown area that is off city limits, with no cash to fall back on, is never an ideal situation to be in. But a road trip travel insurance purchased at the right time can safeguard against this risk. Moreover, you can block your debit/credit cards by a single phone call and prevent any misuse or fraud.

6. Protection from medical expenses

If you get injured while indulging in adventure sports or fall ill due to change of climate or diet, your travel insurance policy will keep you covered and reimburse all such costs related to medical assistance. In case of a serious medical emergency, your insurer will locate the nearest hospital, arrange for transportation and facilitate cashless hospitalization.

7. Reimbursement for flight delay or cancellation

If your connecting flight or pre-booked cruise gets cancelled or delayed due to bad weather or technical glitches, your entire vacation can get jeopardized. In such a scenario, your travel insurance will keep you covered for the cost of new tickets.

8. Coverage for loss of luggage, wallet, passport

In case of loss of baggage, your travel insurance will reimburse the additional cost of buying new clothing and other essentials. In the event of loss of wallet or passport, the insurance provider will pay for related expenses as well arrange for a duplicate passport.

9. Arranging help when stranded

Every travel insurance policy in India typically comes with this benefit. In an unknown place, having round-the-clock assistance is a major relief. The policy offers protection against any medical crisis, loss of baggage, loss of identity documents, or even support in case of personal liability and legal issues.

10. Home safe home!

Some of the best travel insurance providers also keep your home covered when you are away for your vacation. Under some of the comprehensive travel insurance plans, depending on the terms, conditions, and inclusions, you can cover your house burglary and fire when you are away vacationing.

In conclusion, a road trip is fun, and should remain that way. After a long hard week at work, you have surely earned the right to take some time off and soak in the sun (and breeze) with your loved ones. What better way than a road trip over the weekend to revitalize your mind and get back in fighting spirit for another gruelling Monday!

To cater to your specific travel insurance needs, Bajaj Finserv offers a series of customized solutions under Pocket Insurance which you may avail to cover your vacation. Some examples are Pilgrimage Cover, Road Trip Cover, Holiday Cover, Solo Trip Cover, Trek Cover, Honeymoon Holiday Cover and more. Available for a tenure of 10 days to 365 days, these products are affordable and hassle-free to buy.

A road trip cover from Bajaj Finserv under its Pocket Insurance category is your best shot at securing your weekend getaway by road. With this plan, you can get coverage up to Rs 3 lakh, starting at an affordable premium of just Rs. 599 only.

With 24x7 roadside assistance across 700 locations in India, coverage of Rs. 1 lakh from emergency hotel and travel bills, and round-the-clock card blocking service; you can now finally put your feet on the accelerator and get a little mud on the tyres, without breaking any sweat.
Kalyan Panja Kalyan Panja Author

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