Roadside assistance is just like insurance, you don’t know you need it until you do.

Even the most reliable car can have a bad day, and you don’t want to be left stranded on the expressway or in a deserted car park, desperately calling for help which takes forever to come.

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So just what is roadside assistance, and which car insurers provide it as part of their plans? Let’s find out.

What is roadside assistance?

Think of roadside assistance as your car’s guardian angel. When your car gets into trouble or breaks down on the road, you’ll need help getting it going again or to tow it to the nearest authorised workshop.

Because it is so essential to driving, most if not all car insurance policies include this option as a benefit or add-on. The car insurance company teams up with a network of businesses to either provide direct roadside assistance or arrange services on your behalf. So when you dial for roadside assistance, your insurer will dispatch the service provider that's closest and most appropriate for your situation.

Here’s how roadside assistance can help:

  • Say your car has been in an accident or stops in the middle of the road. Towing service providers will come to take your car to the nearest authorised workshop. 

  • If your car battery dies on you, you can order a battery jump-start service.

  • Got a flat tyre? If you can’t replace it with your spare, a flat-tyre service professional will come help you.

  • Locked out of your car or misplaced your key? It happens. Depending on your situation, you’ll get either a lockout service or locksmith service to help you get into your car.

  • Let’s say you’re out of petrol. You can order a fuel-delivery service that will send you enough fuel to get you to the nearest petrol kiosk. 

  • There are some cases when an extrication or winching service will be needed, such as when your car has been hit by a fallen tree and becomes stuck.

Which car insurance provides the best roadside assistance? 

Most car insurance plans minimally provide reimbursement of accident-related towing expenses. Here, we highlight some of the policies that provide that as well as 24/7 roadside rescue and assistance.

Insurer and plans Highlights
Aviva Standard and Prestige Standard and Prestige comes with free roadside rescue for breakdowns, and there is unlimited towing for accidents. Prestige plan comes with eCall assistance service which automatically alerts the emergency team to provide quick and professional help
AIG AutoPlus Free towing (up to $500) if your car breaks down, and roadside assistance to fix minor problems, such as a flat tyre, anywhere in Singapore
AXA SmartDrive For Her Phone assistance and roadside support
Ergo Comprehensive 24-hour Mobile Accident Response Service (MARS)
FWD Comprehensive 24-hour roadside assistance for accidental and non-accidental breakdown including free towing, battery jump start, and more.
HL Assurance Car Protect360   24/7 roadside assistance  
Liberty Private Car Comprehensive   24/7 roadside assistance
MSIG MotorMax and MotorMax Plus Get help anytime, anywhere with 24-hour roadside assistance for towing, lockout or battery jumpstart services.
NTUC Income Drivo Get roadside assistance from the 24/7 Orange Force accident response team anywhere in Singapore
24/7 referral services for road and medical assistance in West Malaysia
Sompo ExcelDrive   24-hour Emergency Mobile Accident Response Service (MARS)

 

These car insurance plans provide 24-hour roadside assistance as an optional add-on benefit:

  • AXA SmartDrive Essential, Flexi, Peace
  • Budget Direct Comprehensive
  • Direct Asia Comprehensive

It is important to check your car insurance's policy wording document — the ones filled with fine print — to see if or what kind of roadside assistance your policy covers - not all services are provided free. Or simply call your car insurance agent directly to enquire. 

Compare the best car insurance on GoBear.com!

 

Alternative transport during loss of use

Beyond roadside assistance, if you get into a serious car accident and the car needs to be in repair, you will be left without a car for some time. This can have a major impact, especially if you need your car daily for work (for example, if you work in sales and need a car to ferry clients to viewing sites every day).

You are going to need alternative transportation, a replacement car, daily/monthly transport allowance to help get you back on your feet. There are two types of alternative transport that is commonly offered.

Courtesy car: A temporary car for loan

Transport allowance: A set sum a day for you to get around

Here are the insurance plans which provide such added benefits as well as compensation for alternative transportation - note that these come with certain eligiblity conditions (e.g., where repairs exceed three days) - so do refer to the terms and conditions for each insurance policy.

Car Insurer Included Available as add-on 
Aviva Lite, Standard and Prestige - Courtesy car, free of charge for up to 10 days 
AIG AutoPlus Courtesy car for as long as you need it -
All AIG plans other than AutoPlus - Courtesy car for as long as you need it 
AXA Smartdrive For Her Daily transport allowance when the car needs to undergo repair for more than 2 days at an authorised workshop Courtesy car in Singapore for up to 10 days
All other AXA SmartDrive plans  - Daily transport allowance (included in Protector Plus and Duo Protector optional cover packs)
Courtesy car in Singapore for up to 10 days
Budget Direct Comprehensive and TPFT Daily transport allowance of $50 per day for the duration of car repair, up to a maximum of 10 days per accident and 20 days for the whole policy term
  For TPFT, cover only extends to damage caused by fire or theft
-
Direct Asia Comprehensive, Third Party Fire & Theft - Daily transport allowance of $50 per day for the duration of car repair, up to a maximum of 10 days per accident and 20 days for the whole policy term
Etiqa Comprehensive  Daily transport allowance of $50 per day while your car is being repaired for more than 3 days at authorised workshops  -
FWD Comprehensive  Daily transport allowance of $80 per day while your car is being repaired (up to 10 days) -
HL Assurance Car Protect360   Daily transport allowance of $50 per day, if repairs take 3 days or more (max $1,000) -
Liberty Private Car Comprehensive   Loss of use (rental car up to 5 days 1.6L)  -
MSIG MotorMax Plus   Daily transport allowance of $50 per day (up to 10 days) -
Sompo ExcelDrive Gold and Prestige    Daily transport allowance of $100 per day (up to 10 days) -
 

Replacement car offered by insurers

If your car is so damaged that it cannot be repaired economically, which is termed as "total permanent disablement" in policy wordings, certain insurers will offer "new for old replacement".

Usually, replacement cars are only for cars that are less than 12 to 24 months. Don't expect to go shopping for another swankier car, too. The replacement usually only allows for replacement of the same make and model.

Car Insurer Included Available as add-on 
Aviva Lite and Standard Brand new car replacement for new cars < 12 months old  -
Aviva Prestige  Brand new car replacement for new cars < 24 months old  -
AIG AutoPlan and AutoPlus Brand new car replacement for new cars within 3 years of purchase -
AXA FlexiFamily Monthly allowance of $3,000 for up to 18 months -
All other AXA car insurance plans - Monthly allowance of $3,000 for up to 18 months (available in Duo Protector and Family Protector optional cover packs) 
Budget Direct Comprehensive and TPFT   Daily transport allowance of $50 per day (max 30 days) for car loss or total loss

For TPFT, cover only extends to damage caused by fire or theft
-
Direct Asia Comprehensive, Third Party Only, Third Party Fire & Theft - Brand new car replacement for new cars < 24 months old 
MSIG MotorMax Plus  Brand new car replacement for new cars < 12 months old  -

Aviva Prestige and AIG Autoplan and AutoPlus plans appear to be the best in this regard, as they offer new car replacements for cars up to 2 or 3 years old, while the rest only offer replacement for cars purchased less than 1 year ago.  

The better the roadside assistance benefits, the more expensive the premiums you'd probably pay. You're getting more peace of mind after all.

 

Disclaimer:

The information in this article is accurate as of 30 Nov 2020 unless otherwise stated. Whilst we endeavour to keep the information accurate and updated, GoBear makes no representation or warranties for the accuracy of the information in this article or content of any websites which may be linked.

The information in this article is based off publicly-available information on insurer websites, GoBear makes no representation or warranties for the availability of the mentioned products and options – not all products and options may be available to the public or segment thereof at any point of time.

This article is for informational and promotional purposes only; it does not constitute advice or recommendation and does not take into account your own individual circumstances. The information in this article may not be updated and you should always refer to the relevant Policy Wording and insurer for the full terms and conditions. In the event of any inconsistency, the Policy Wording and/or information from the insurer shall prevail.

 

GoBear team

Brought to you by GoBear Insurance Broker (SG) Pte. Ltd., a registered insurance broker with the Monetary Authority of Singapore

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