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Roadside assistance Victoria

Don't let potholes ruin your road trip. Get roadside assistance.

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Fact checked

Has your engine started smoking on some picturesque stretch or another of the Great Ocean Road? Were you run off the straight and narrow while eyeing up the grape vines in the Yarra Valley? Roadside assistance is designed to help you out by providing on-the-spot repairs or by getting your vehicle to somewhere it can get help. With roadside assistance, you'll never be left staring at your own broken car as other, undamaged vehicles roar by. Avoid expensive towing bills and even protect against your own mistakes by investing in some roadside assistance.

roadside assistance

Get roadside assistance from $7 a month

In case your car breaks down in the middle of Victoria, roadside assistance can come and rescue you. When comparing roadside assistance policies, don't forget to check the product disclosure statement to make sure you choose the right cover.

Name Product Call-outs (Unlimited/4 per year) Joining Fee Fuel Replacement Locksmith States Available
Budget Direct Roadside Assistance
Unlimited
No joining fee
$125
Nationwide
From $6.70 per month.
NRMA Roadside Assistance
Unlimited
No joining fee
$0
Nationwide
From $9.99 per month. 24/7, nationwide coverage available.
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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 2019 Finder Award for the Best Value Car Insurance, 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.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be thanks to optional extras like roadside assistance, choice of your own repairer, and the option of agreed or market value. Plus, you'll earn Qantas Points when you join and get access to the Qantas Wellness App.

Who it might be good for: People who love collecting frequent flyer points.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in their policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also have a live chat feature on their 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: Coles have two-tiers of comprehensive car insurance to choose from. You'll 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 you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off when you buy online and get access to their hail hero service.

Who it might be good for: People who want a comprehensive policy that's affordable.
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online. Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Who it might be good for: Kogan shoppers and those that don't drive much.
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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

$79.95$0UnlimitedNo$125$1515km in the city, 50km in rural areasGet Quote
coles logo

Coles

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

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 areas

GIO

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

Suncorp

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

Apia

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

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 – $79.95
  • 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 2019 Finder Award for the Best Value Car Insurance, 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.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to pick and choose how comprehensive you want your cover to be thanks to optional extras like roadside assistance, choice of your own repairer, and the option of agreed or market value. Plus, you'll earn Qantas Points when you join and get access to the Qantas Wellness App.

Who it might be good for: People who love collecting frequent flyer points.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in their policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also have a live chat feature on their 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: Coles have two-tiers of comprehensive car insurance to choose from. You'll 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 you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. You'll get 15% off when you buy online and get access to their hail hero service.

Who it might be good for: People who want a comprehensive policy that's affordable.
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include but you'll also be entitled to some benefits on their online store. This usually comes in the form of a gift voucher or discount if you buy online. Plus, Kogan offer a pay as you drive option, which could be good if you're not on the road that much.

Who it might be good for: Kogan shoppers and those that don't drive much.
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Compare up to 4 providers

*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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