Shield Plan vs. Insurance
Two different jobs. Most drivers benefit from both.
The Shield Plan gets you off the road safely and fast. Insurance covers the cost of damage after the fact. They solve different problems, and neither replaces the other.
| What you get | Shield Plan | Car Insurance |
|---|---|---|
| Priority 24/7 towing dispatch | ||
| Covers accident damage repair costs | ||
| On-spot roadside repair (tyres, fuel, lockouts) | ||
| Requires a claims process & assessor | ||
| Works without any insurance policy | ||
| Covers third-party liability | ||
| Flat annual fee, no excess |
The honest answer: use both.
Insurance protects your finances if something goes wrong. The Shield Plan protects your time and safety in the moment it happens: a fast, prioritised crew instead of searching for a tow number while stranded on the roadside. At Rs. 5,000 a year, it costs less than a single unplanned tow, whether or not you ever file an insurance claim.