Roadside assistance is one of those things you don’t realize the true value of until you need to use it. And you never know when you’ll need it. You could be driving to work, on the highway, or even on a road trip when your vehicle gets a flat tire or breaks down.
Car insurance and roadside assistance go hand in hand. Both offer you support when you need it the most.
Do you have roadside assistance through car insurance? Not sure? Thinking about adding it to your policy? Keep reading to learn about how roadside assistance works.
What's on this page:
Roadside assistance is a program that helps drivers in the event of a vehicle breakdown or issue. Signing up covers the cost of common vehicle issues. Being a member of a roadside assistance program helps to cover the cost of emergency roadside service. It is also referred to as emergency roadside service (ERS).
Roadside assistance is a common feature offered by insurers. While it is offered by insurers as an add-on to your insurance coverage, it should not be confused with insurance. Roadside assistance is a separate product. The services offered, benefits, and costs vary by the provider. Using roadside assistance will not have an impact on your insurance record.
Roadside assistance is not automatically included in your insurance plan. It’s not offered by all providers. And it’s not typically included in basic policies.
Many insurers offer roadside assistance as an insurance endorsement or policy add-on. Some include it as part of comprehensive coverage.
Having your vehicle break down on the side of the road is a stressful and potentially dangerous situation. It's something many people fear happening to them. And it's no question a costly inconvenience.
Having a vehicle breakdown puts you in a precarious situation. We often don’t know who to call or what to do. You also have to worry about things like tow truck scams.
Having roadside assistance can help put your mind at ease at a time when you need it most. If your vehicle breaks down, you’ll know who to call. Help will be on the way quickly and you’ll receive trusted advice about what to take your car and what to do next. You won’t be stranded for hours and you’ll always have a backup plan.
Roadside assistance with insurance ensures you have full protection for almost anything that can happen when driving.
Roadside assistance is a policy add-on. How it works will vary by the insurance provider. It can also depend on your location. You can add it to your vehicle, motorcycle, RV, ATV, and even your snowmobile plan. You receive 24/7 assistance if you have car problems.
Simply call the number provided to request assistance. Some plans allow you to request assistance through an app on your mobile phone.
Learn more about how roadside assistance works below:
Services offered may vary by the provider. Some offer optional extra coverage for things like emergency accommodations and taxi fares.
Consider all these factors when choosing a plan. Don’t shop based on price alone.
We work with leading insurance companies in the country. Many offer roadside assistance insurance as a coverage option. Check rates online or speak with one of our advisors today to learn more.
Get StartedRoadside assistance membership programs range in price. Some start as low as $60 per year and go up to $150 annually or more. Some providers offer packages at several price points. For example. If you add roadside assistance to your insurance policy, it will be combined with your premiums. Contact us today to get a quote or add roadside assistance to your policy.
There are a lot of different roadside assistance programs available in Canada. How the programs work can vary by province and where you get them. Getting a plan from an insurance company can be slightly different than a car manufacturer or auto club. Below we list some of the best roadside assistance programs based on the provider.
Roadside assistance insurance is offered by many insurers. Each plan is somewhat different. So, it's important to compare each one to determine which is best for you. Insurance companies that offer roadside assistance include:
Roadside assistance insurance is a practical add-on that will enhance your policy.
Most vehicle manufacturers offer roadside assistance plans. They offer it as an add-on when you are leasing or buying a car. Some of the top programs include:
Before agreeing to a plan from your car dealership, make sure to inquire about add-ons offered by your insurance provider.
Thinking about adding roadside assistance to your insurance? Here are some of the advantages of having a plan:
Some providers may offer complimentary roadside assistance. But this is often very limited in what services are offered. Ontario car insurance providers offer roadside assistance as part of their comprehensive plans. So, while it's not free, there is no additional cost to you if you choose this policy type.
Roadside assistance is very affordable. It's only a few extra dollars per month added to your insurance premiums. For example, the cost of a tow or one service call is usually more than the annual membership fee. Plus, you’ll know you are getting help from a reputable source. Having peace of mind alone is worth it, even if you don’t use the service frequently.
Roadside assistance plans from companies like CAA or Canadian Tire can start as low as $60 and go up from there. How much you pay is based on the type of plan you select.
Yes, roadside assistance is available through Insurers, but also auto manufacturers, auto clubs, and other third-party providers. There are some credit cards with roadside assistance as well. Adding this coverage to your insurance policy is convenient and can be more cost-effective.
Even though roadside assistance is part of your policy, it will not affect your insurance, other than slightly increasing your premium. It will not affect your rates if you use it. It’s an added service that compliments your coverage.
Adding roadside assistance coverage will increase your insurance slightly. The added cost will vary based on your provider. But it's typically only a few dollars per month. Some providers may include roadside assistance as part of the insurance packages they offer.
Some insurers include some form of roadside assistance as part of comprehensive insurance offerings. Others offer it as an add-on. Speak with your insurer to be clear about what is included in your policy.
No, using roadside assistance does not count as a car insurance claim. While it's part of your coverage, it is a separate service. Car breakdowns are not a result of your driving abilities.
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