Towing insurance is an important but often overlooked aspect of vehicle ownership. Whether you’re frequently on the road or just want peace of mind in case of an emergency, understanding towing coverage can save you from unexpected expenses. Here’s what you need to know about towing insurance and how to choose the right coverage for your needs.
1. What is Towing Insurance?
Towing insurance covers the cost of towing your vehicle when it becomes inoperable due to breakdowns, accidents, or mechanical failures. Depending on the policy, it may also cover roadside assistance, such as jump-starts, fuel delivery, or flat tire repairs.
2. Types of Towing Coverage
There are several ways to obtain towing coverage:
- Auto Insurance Add-On: Many insurance providers offer roadside assistance as an add-on to your existing auto policy.
- Motor Club Memberships: Organizations like AAA provide towing and roadside assistance services as part of their membership packages.
- Credit Card Benefits: Some credit card companies offer towing coverage as part of their perks.
- Vehicle Manufacturer Plans: Some automakers provide free towing services for new cars under warranty or as part of extended service plans.
3. What Does Towing Insurance Cover?
Coverage varies by provider, but common inclusions are:
- Towing to a nearby repair shop or location of your choice (within a mileage limit)
- Battery jump-starts
- Flat tire changes
- Lockout assistance
- Fuel delivery (for empty tanks)
- Winching (if your vehicle is stuck in mud, snow, or off-road)
4. Factors to Consider When Choosing Towing Insurance
Before selecting a towing insurance plan, keep these factors in mind:
- Towing Distance Limit: Policies may limit how far your vehicle can be towed before extra charges apply.
- Service Availability: Check if the provider operates 24/7 and in your location.
- Number of Allowed Service Calls: Some plans cap the number of tows or service calls per year.
- Reimbursement vs. Direct Service: Some insurers require you to pay for towing upfront and get reimbursed later.
- Cost: Compare premiums, deductibles, and service fees to ensure you’re getting good value.
5. Do You Really Need Towing Insurance?
Towing insurance isn’t necessary for everyone, but it can be a lifesaver in emergencies. If you frequently drive long distances, own an older vehicle prone to breakdowns, or travel in areas with limited roadside assistance, having towing coverage can prevent high out-of-pocket expenses.
Final Thoughts
Towing insurance provides financial protection and convenience when you’re stranded on the road. By understanding what’s covered and selecting the right plan for your needs, you can ensure you’re prepared for any roadside emergency without unnecessary stress or costs.
If you are in Preston, Victoria 3072, and looking for an emergency tow truck service or roadside assistance Melbourne service, this is the best way to visit us.
Northern Tow Trucks
620 Canning St
Carlton North VIC 3054
(03) 7064 2500