Call for help on the road whenever you need it
Frequently also called breakdown coverage, roadside assistance insurance can actually help with a wide range of motor vehicle problems beyond breakdowns, such as locking yourself out of your car or waking up on the morning of a road trip to a dead battery. If you can’t drive your car or get stuck on the side of the road, get coverage that lets you request roadside assistance 24/7.
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What does roadside assistance service include?
The list of what you’re covered for depends on your provider, as well as the level of cover you purchase. However, all assistance plans follow the same general pattern:
- Initial phone consultation. The dispatcher will ask you about the problem and initially attempt to help you resolve it over the phone if you have the right tools.
- Sending a mobile technician. If phone-based advice fails to resolve the problem, a mobile mechanic will be sent to your location.
- Towing services. If the technician is unable to get you back on the road, you are covered for having your car towed to a mechanic’s workshop for repair. A surcharge will usually apply if you need to be towed further than a specified distance.
- Optional extras. Some top-end membership packages also entitle you to emergency accommodation and assistance with taxi fares.
When would I need roadside assistance?
There are several common reasons why people phone for roadside assistance.
- Battery issues. Whether you need a jumpstart or your battery is faulty and needs to be replaced, most technicians can help on the spot.
- Lockout services. If you accidentally lock your keys in your car, your provider will help you access your vehicle, or organise a locksmith.
- Emergency fuel supply. Mobile technicians normally carry an emergency supply of petrol or diesel, but they will need to arrange towing if your car runs out of LPG fuel.
- Failure to start. Sometimes you just can’t get the engine running, and there is no immediately obvious reason why.
- Tire replacement. Putting on the spare wheel after popping a tire is a strenuous and grubby task, and even if you’re physically capable of doing it, there are plenty of reasons why you might prefer to get help.
- Caravan towing. Many providers will offer to tow your caravan, if it is within their size and weight limits, if they can’t get your car back on the road.
Is roadside assistance included in car insurance?
Sometimes roadside assistance is free, but usually you have to pay for it. Many insurers offer roadside assistance as an optional extra that can be purchased in addition to a comprehensive car insurance policy.
With membership-based roadside assistance, you can usually choose from different levels of cover. This can range from a cheaper option that includes a limited number of callouts, basic mechanical assistance and towing, to top-of-the-line cover that helps with replacement car hire and accommodation.
Does using roadside assistance count as a claim?
No. Roadside assistance is part of your car insurance coverage, but using it won’t raise your rates like making a claim would. However, if you abuse the service, your insurer may charge you a higher premium upon renewal, or refuse to renew your policy.
Which companies offer roadside assistance?
- Most major insurance companies such as Allstate and Esurance.
- Standalone roadside assistance organizations including 24/7 Roadservices and 365 Roadside Assistance.
- App-based assistance providers such as Urgent.ly.
- Some vehicle manufacturers offer roadside assistance cover if your car is regularly maintained at an authorized service center.
How much does roadside assistance cost?
Roadside assistance plans usually cost around $5 per month, but there are cheaper options. Memberships usually include access to emergency assistance and a complimentary hour of labor, but you’ll need to pay for any fuel, parts or supplies to get your vehicle back on the road. They sometimes include a few free tows within a certain distance. So if the repair shop you choose is outside that range, you’ll likely be charged for any extra mileage.
How can I save on roadside assistance?
Prices for roadside assistance vary depending on your area and local service providers, but shopping around to compare your options can help you save money.
- Always keep a spare tire, otherwise you may be charged for one.
- Adding on roadside assistance through your insurance provider, auto manufacturer or cell phone company could help you save.
- Keep jumper cables in your car and consider calling a friend or Uber instead if you need a jump.
- If your vehicle needs to be towed, you can save on mileage by going to closer repair shops.
- Think about how much gas you need before you start your trip. You’ll often be charged a fee for fuel delivery on top of the price of gas.
What’s not covered with roadside assistance?
Roadside assistance is normally limited to small-scale mechanical problems that immobilise your car.
- You will not be covered for damage caused by an accident.
- If your battery needs to be replaced, you will normally be expected to pay for the new one.
- Some providers will not offer roadside assistance for vehicles that are older than a specified age.
- There are limits on how far your vehicle will be towed if the mechanic is unable to get you going again.
- Some providers will charge extra if your car breaks down due to a pre-existing condition.
- You will not receive assistance if your vehicle is unattended.
- Standard roadside assistance does not apply to taxis, limousines and similar commercial vehicles.
- Limits are usually stipulated for the maximum size and weight of vehicles that can be covered.
- If your car is bogged, most providers will only help you get it unstuck if they can safely do so from a solid substrate, such as an adjacent sealed road.
- A surcharge may apply if you are stranded in a remote area.
- You might not be able to obtain roadside assistance in extreme environmental conditions.
Can I still get roadside assistance if I’m not already covered?
The major providers typically allow you to become a member at the time your car breaks down, but they will charge you an additional “on-the-go” fee. This type of fee also applies to any incident that takes place within a specified time frame after you purchase membership, normally ranging from 24 to 72 hours.
Some stand-alone companies charge a flat rate per incident for arranging assistance. This means that instead of joining a membership program for a year and forking out an additional on-the-go fee, you only pay for the one-off help you need. This can be a lot cheaper than taking out membership on the spot if you just need to get a tire changed. However, stand-alone assistance rapidly becomes more expensive if you need more than one or two callouts in a year.
Whichever option you choose, always read the terms and conditions to know exactly what you’re covered for.
Should I add roadside assistance or sign up for a service?
If roadside assistance is available through your insurer, cell phone company or automaker, you may get a good price since you’re already a member. However, dedicated roadside assistance companies and motor clubs can provide greater coverage and a number of other benefits that you might not get elsewhere.
Here are a few things to consider when comparing roadside assistance services.
- Price of membership
- Fees, including mileage, labor and service charges
- Services provided
- Response time
- Customer service
- Suggested or required repair shops
- Service area
Does roadside assistance cover me nationwide?
Once you’re eligible for roadside assistance, you’re covered no matter where you are. Most state-based organizations have reciprocal arrangements with one another. This means that you can avail yourself of local services if you’re stranded while traveling interstate, without having to pay anything more than you would if the problem occurred in your home state.
Can I get roadside assistance if I’m not in my usual car?
Like other forms of insurance, such as comprehensive policies, roadside assistance is purchased to cover a specific vehicle, rather than a specific driver. So in most cases, it doesn’t matter who is driving the car, as long as the car itself is covered for roadside assistance.
With some organizations, if you are already a member but the specific car that’s in trouble is not covered, you will still need to pay an on-the-go fee, but it will be heavily discounted.