Roadside assistance Victoria

Compare 10 policies with roadside assistance cover in Victoria for less than $7 a month.

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You can save more than $30 a year just by taking a few minutes to compare roadside assistance in Victoria. Our comparison table lets you compare up to 4 policies side by side so you can see who's offering better features. We've also listed the prices further down the page.

Get roadside assistance from less than $7 a month

Name Product Call-outs (Unlimited/4 per year) Joining Fee Fuel Replacement Locksmith States Available
NRMA Roadside Assistance
Unlimited
No joining fee
$0
Nationwide
From $9.99 per month. 24/7, nationwide coverage available.
Budget Direct Roadside Assistance
Unlimited
No joining fee
$125
Nationwide
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

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.
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.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Stella Comprehensive
Optional
Agreed
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Save 10% when you pay your premium annually. T&Cs apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
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.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Youi Comprehensive
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.

⭐ Current offer: Get a 15% COVID-19 temporary cashback on the monthly premium paid until 3 October 2021. Applies to all existing or new customers in NSW and VIC. Eligibility criteria, terms, and conditions apply.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
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Compare up to 4 providers

What does roadside assistance cover me for in Victoria?

What you're covered for varies from provider to provider, but there are some basic services and situations you can expect them to have covered whoever you end up going with:

  • No petrol. Your gauge is reading empty and you just can't get that engine to start. Whatever roadside assistance comes along to help is likely to be carrying a bit of petrol or diesel, but if they aren't they'll take you to a nearby station.
  • Restarting that engine. It's stopped! Why won't it just turn on? Instead of you needing to fiddle around under the hood, you can get roadside assistance to check that engine for you and figure out what ails it.
  • Dead batteries. Perhaps you've been leaving your lights on or the spark's just gone out of your poor car battery. In any case, roadside assistance can give you a quick jump-start on-scene.
  • Burst or flat tyres. Your tyre's gone funny or it's blown a gasket and you can't safely steer. Roadside assistance will pump it up for you or change it over to a brand new one.
  • Lockouts. With some modern cars, they won't let you lock those keys in there even if you tried. But for everyone else, mistakes can happen. Rely on roadside assistance to let you back in or help pay to replace your locks if you have to.
  • Towing. Occasionally, you'll run into a problem even roadside assistance can't fix on the spot. In these cases, they'll whip out the tow and take you where you can get your woes attended to.

What happens if I'm travelling interstate?

If for some reason you tire of Victoria's natural beauty and decide to head on out and see some other parts of Australia, you should still retain whatever roadside assistance benefits you have at home. While some roadside assistance providers only operate inside Victoria, like the Royal Automobile Club of Victoria, these insurers have partnerships with other companies so that you're still protected wherever you're driving.

How do I choose a roadside assistance brand in Victoria?

If you're hunting around for the right roadside assistance provider for you, ask the same questions you would when seeking any other insurance: what do I need and what can I afford? Certain providers like AAMI have roadside assistance as an optional extra with their comprehensive insurance policies. Bundling all the automobile protection you need – like third-party fire, theft and damage cover – using a single provider can be cheaper than seeking standalone roadside assistance.

Alternatively, if roadside assistance is all you're looking for, plenty of providers like the RACV or Ultra Roadside Assistance offer it independently of any insurance plan. While services may be comparable between the different insurers, one of the major sources of variance is how fast they'll respond to your emergency. Adding a little extra on to the yearly payments might be worth it so you don't have to spend an extra day at Phillip Island (though it may provide a good excuse!)

How does roadside assistance compare?

Here is how some insurance companies in Australia stack up. Most insurers offer very similar cover as each other but as you can see, the joining requirements, cost and benefit limits can vary quite a bit.

  • 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

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

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 the 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 areasGet quote

AAMI

$86$0UnlimitedYes$250$1020km in the city, 100km in rural areasMore info

Allianz

$99$0UnlimitedYes$200Yes20km in the city, 50kms in rural areasMore info

GIO

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

Suncorp

$95$0UnlimitedYes$250$1020km in the city, 100km countryMore info

Apia

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

Who has the cheapest roadside assistance in Victoria?

We got the costs for some of Victoria's roadside assistance providers. Here's how they stack up:

Standalone:

  • 24/7 Roadservices Australia – $69 a year or $110 for 2 years (3 tiers)
  • Ultra Roadside Assistance – $74.50 (2 tiers)
  • Budget Direct – $89.95
  • 365 Roadside Assistance – $89 (3 tiers)
  • Allianz – $99 (2 tiers)
  • Royal Automobile Club of Victoria – $114

With comprehensive insurance policy:

  • Youi – free
  • Apia – $84
  • AAMI – $86
  • GIO – $95
  • Suncorp – $95

Which providers offer roadside assistance in Victoria?

Want cover for roadside assistance?

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.
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.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Stella Comprehensive
Optional
Agreed
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Save 10% when you pay your premium annually. T&Cs apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
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.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Youi Comprehensive
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.

⭐ Current offer: Get a 15% COVID-19 temporary cashback on the monthly premium paid until 3 October 2021. Applies to all existing or new customers in NSW and VIC. Eligibility criteria, terms, and conditions apply.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
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*Make sure to read the Product Disclosure Statement (PDS) before deciding to buy insurance as brands have different benefits and coverages.

Picture: Shutterstock

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