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Roadside assistance: Compare and save

Compare roadside assistance from $6 a month or get it included with car insurance.

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Compare roadside assistance from $6 a month

Standalone roadside assistance options

1 - 1 of 1
Name Product Call-outs (Unlimited/4 per year) Joining Fee Fuel Replacement Locksmith Cost per Month
Budget Direct Roadside Assistance
Unlimited
No joining fee
$125
$6.37
15% discount on first year's premium when you buy online and use the code SOLVED15. T&Cs apply.
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Compare up to 4 providers

Compare car insurance policies with roadside assistance cover built in

1 - 5 of 5
Name Product Roadside Assistance Accidental Damage Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Youi Comprehensive Car Insurance
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.33 per month.

⭐ Current offer: Save up to 15% when you buy online. T&Cs apply.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.
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Compare up to 4 providers

What is roadside assistance?

Roadside assistance is a type of car insurance that protects you if you get stranded because of an issue with your car. It is sometimes called breakdown cover, and it generally covers the following situations:

car battery

Dead battery

car keys

Getting locked out of your car

Fuel dispenser

Running out of fuel

bonnet

Failure to start

flat tyre

Flat tyres

tow truck

Towing

How does roadside assistance work?

If you get stranded on the road, all you need to do is call your roadside assistance provider for help. The process will usually go something like this:

Number 1

You'll have a phone consultation.

The dispatcher will ask you about the problem and initially attempt to help you resolve it over the phone.

Number 2

They'll send a mobile technician.

If phone-based advice fails to resolve the problem, your provider will send a mobile mechanic to your location.

Number 3

They'll give you a tow

If the technician can't get you back on the road, you'll be covered for a tow to the mechanic's workshop for repair. A surcharge will usually apply if you need to be towed further than a specific distance spelled out in your policy. Your policy may cover minor repairs to things like hoses and drive belts but you will be responsible for paying for major repairs.

How to get roadside assistance

car insurance

With your car insurance policy

Youi and Huddle are the only 2 insurers to include roadside assistance for free if you take out car insurance with them. However, only your first 2 callouts are free per year with Youi. After that, you're still covered but you'll pay for additional callouts as you use them.

Many other insurers offer them as an optional extra that you can pay for on top of your standard car insurance policy. It's usually only offered with comprehensive cover. You can find it for as little as $6 per month so it shouldn't bump up the cost of your cover that much.

mechanic

As a standalone policy

A small handful of insurers will let you buy roadside assistance insurance on its own, for example NRMA and Budget Direct. That means you can have your standard insurance with someone else. If you buy it with one of these insurers, you don't have to have comprehensive insurance or even any other insurance at all.

Crash
Did you know?
64% of Australians 18 and over with a driver’s licence have been involved in at least 1 car accident.

How does roadside assistance compare?

As you can see, the joining requirements, cost and benefit limits can vary a lot between insurers. Here's what we found when comparing roadside assistance policies:

  • None of the following policies require a joining fee, although only a few will let you purchase roadside assistance as standalone cover.
  • Towing limit can vary by as much as 30km in urban areas and 50km in rural areas.
  • Cost can vary by more than $30 per year.
CompanyCost per yearJoining feeCallout limitsNeed to hold a policy with them?Lockout / Lost keyOut of fuelBreakdown towingGet quote
Youi logo

Youi

Included with a comprehensive policy$0First 2 includedYes$15010 litres50km in the city, 20km in rural areasGet quote
budget direct car insurance logo

Budget Direct

$89.95$0UnlimitedNo$125$15Up to 20km in metro and up to 50km in remote areasGet quote
coles logo

Coles

$83/year$0UnlimitedYes$150Enough to reach next petrol station20km in the city, 50km in rural areasGet quote
NRMA logo

NRMA

$113$0UnlimitedNoYesYes20km in the city, towing to nearest NRMA centre in rural areasMore info
AAMI car insurance logo

AAMI

$86$0UnlimitedYes$250$1020km in the city, 100km in rural areasMore info
Allianz car insurance logo

Allianz

$99$0UnlimitedYes$200Yes20km in the city, 50kms in rural areasMore info
gio car insurance logo

GIO

$95$0UnlimitedYes$250$1020km in the city, 100km countryMore info
Suncorp car insurance logo

Suncorp

$95$0UnlimitedYes$250$1020km in the city, 100km countryMore info
Apia car insurance logo

Apia

$84$0UnlimitedYes$250$1020km in the city, 100km in rural areasMore info

How much does roadside assistance cost?

CompanyCost per yearGet Quote
Youi logo

Youi

Included with a comprehensive policyGet quote
budget direct car insurance logo

Budget Direct

$89.95Get quote
AAMI car insurance logo

AAMI

$86More info
allianz car insurance logo

Allianz

$99 More info
Apia care insurance logo

Apia

$84 More info
gio car insurance logo

GIO

$95 More info
nrma car insurance logo

NRMA

$113 More info
Suncorp car insurance logo

Suncorp

$95More info

How can I find the cheapest roadside assistance policy?

To find the cheapest roadside assistance policy, you have to look at more than just the cost per year. Here's what we found from looking at all insurers on our panel.

  • Youi and Huddle are technically the cheapest. However, you need to have a comprehensive car insurance policy with Youi and Huddle, and you have to pay for your additional callouts with Youi. This might not be worth it unless you drive a new car that you want top cover for.
  • Budget Direct and NRMA are the only 2 that don't require you to have standard car insurance. In both cases, this would be cheaper for you if you had no intention of buying additional cover or switching your insurer. Budget Direct then looks like the obvious option, but it won't tow your car nearly as far regionally which could add up if you're in a regional area.
  • You may want more than just roadside assistance. When you get roadside assistance through automobile clubs like NRMA, you become a "member" with access to a bunch of additional discounts on flights, dining, petrol and car hires.

Where can I find the best road assistance policy?

The best roadside assistance policy will be different for everyone since everyone's needs are different. Here is how to find the best policy based on your situation:

  • You are happy with your current insurer and just need basic roadside assistance. If you have a comprehensive policy that you are happy with and just want basic roadside assistance, your best bet is to get cover with your current insurer if it's offered. This will save you all that time comparing prices on a product that is already relatively inexpensive, plus you might be able to score a discount.
  • You want all the bells and whistles. If you want a higher-end product, membership services like NRMA and RACV offer different levels of cover, some of which offer premium services like emergency accommodation cover and taxi cover. These will come in handy if you often travel far from home.
  • You don't want to be locked in. If the thought of another yearly membership or premium payment drives you crazy, your best bet is probably a standalone service that charges per callout. Examples include Youi, which offers 2 free callouts with your comprehensive cover (and charges for every callout thereafter), and an app-based service like Road Angels, which charges per callout without requiring any other cover.
  • You like perks. If you like getting member discounts, the best policy for you would be with a membership service like NRMA and RACV. These providers offer a wide range of discounts on products like petrol, flights, movie tickets, entertainment and more.

What kinds of exclusions are there?

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.

Roadside assistance frequently asked questions

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