Car insurance
Does car insurance include towing and roadside assistance?
As of 28 Oct 2026 (Singapore time)
Yes for towing after an accident. 16 of the 18 insurers we compare include accident towing or a 24-hour roadside service, often up to S$300 to S$500 a tow. Help with a breakdown, such as a flat battery or a tyre change, comes with some plans and is an add-on or missing on others, so check before you need it.
The figures
- Insurers compared: 18, with 101 plans between them.
- Insurers with at least one plan that covers it: 16.
- Insurers whose documents do not say: 2.
- Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 50% NCD: India International Comprehensive (any workshop or authorised workshops), S$604.07.
- Median price among the insurers that cover it, for the same example: S$848.71.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| India InternationalYesfrom S$604.07 | Yes | Comprehensive (any workshop or authorised workshops)1 of its 3 plans24-hour roadside assistance: Towing up to S$300; special perils, strike, riot and civil commotion, and passengers' liability included; NCD protector add-on at 10% of the premium | S$604.07 |
| HL AssuranceYesfrom S$698.03 | Yes | Car Protect360 Comprehensive2 of its 2 plans24-hour roadside assistance: Included: 24-hour automobile and medical assistance, towing after an accident up to S$500, daily transport allowance S$50 a day up to S$1,000 while repairs exceed 3 days | S$698.03 |
| AIGYesfrom S$721.67 | Yes | AIG Car Insurance Collision Only2 of its 2 plansTowing and extras: Accident towing up to S$500; excess waiver of up to S$1,000 when you share in-car camera footage; policy lifetime repair guarantee; optional loss-of-use cash S$50 a day for 7 days, authorised driver extension, glass roof and canvas top covers | S$721.67 |
| EtiqaYesfrom S$725.20 | Yes | Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plansRoadside assistance: 24-hour roadside assistance (phone troubleshooting, on-site technician and towing arranged) | S$725.20 |
| MS First CapitalYesfrom S$732.08 | Yes | Comprehensive1 of its 3 plans24-hour roadside assistance: Towing after an accident up to S$300 | S$732.08 |
| SompoYesfrom S$790.40 | Yes | Comprehensive Cover – Authorised Workshop Plan2 of its 4 plans24-hour roadside assistance: 24-hour Emergency Mobile Accident Response Service (MARS) and accident towing; breakdown assistance not stated | S$790.40 |
| ERGOYesfrom S$790.88 | Yes | SMART Comprehensive4 of its 4 plans24-hour roadside assistance: 24-hour Mobile Accident Response Service and towing expenses; breakdown roadside assistance not stated | S$790.88 |
| Great EasternYesfrom S$830.70 | Yes | Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plans24-hour roadside assistance: 24/7 accident towing assistance in Singapore, West Malaysia and Thailand (within 50 miles of the border); towing after an accident up to S$300 | S$830.70 |
| FWDYesfrom S$866.72 | Yes | Drivo Classic5 of its 5 plansTowing and roadside help: Towing up to S$500 after an accident, through Income's Orange Force accident response; optional roadside assistance and wellness cover at extra cost | S$866.72 |
| IncomeYesfrom S$866.72 | Yes | Drivo Classic5 of its 5 plansTowing and roadside help: Towing up to S$500 after an accident, through Income's Orange Force accident response; optional roadside assistance and wellness cover at extra cost | S$866.72 |
| AllianzYesfrom S$873.27 | Yes | Allianz Motor Protect Comprehensive4 of its 14 plans24-hour roadside assistance: 24/7 roadside assistance for accident or breakdown (technician dispatch up to S$500, towing up to S$500 per accident or breakdown); taxi reimbursement up to S$100; courtesy car up to 10 days or S$50 a day transport allowance (one or the other); "new for old" replacement if the car is under 2 years old and a total loss | S$873.27 |
| DirectAsiaYesfrom S$976.44 | Yes | Car Insurance – Comprehensive, Value plan12 of its 15 plansTowing: Reasonable cost of towing after an accident; 24-hour accident towing included | S$976.44 |
| SinglifeYesfrom S$1,049.42 | Yes | Motor Standard2 of its 3 plans24-hour roadside assistance: Included: free emergency breakdown roadside rescue (24/7) | S$1,049.42 |
| UOIYesfrom S$1,106.58 | Yes | UniCar Comprehensive Value3 of its 4 plans24-hour roadside assistance: Included: 24-hour Emergency Assistance Service (hotline 6222 7737, roadside assistance) and accident towing | S$1,106.58 |
| ECICSYesfrom S$1,193.91 | Yes | Comprehensive Family NCD Builder4 of its 6 plans24-hour roadside assistance: Included: 24/7 Roadside Assistance, up to 2 times / maximum S$500 per policy period | S$1,193.91 |
| LibertyYesfrom S$1,219.83 | Yes | Comprehensive Preferred Plan2 of its 11 plans24-hour roadside assistance: 24/7 roadside assistance; towing to a repairer or place of safety after an accident or breakdown up to S$300 | S$1,219.83 |
| Budget DirectNot statedfrom S$710.92 | Not stated | Car Insurance – Comprehensive4 of its 4 plansThe plan's documents do not mention it. | S$710.92 |
| QBENot statedfrom S$1,687.22 | Not stated | Private Motor Prestige Comprehensive2 of its 3 plans24-hour roadside assistance: Not stated (no roadside assistance benefit is listed); towing after an insured accident up to S$300, through QBE's authorised workshops | S$1,687.22 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare car insuranceQuestions people ask
Does car insurance include towing and roadside assistance?
Yes for towing after an accident. 16 of the 18 insurers we compare include accident towing or a 24-hour roadside service, often up to S$300 to S$500 a tow. Help with a breakdown, such as a flat battery or a tyre change, comes with some plans and is an add-on or missing on others, so check before you need it.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 101 plans from 18 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For Toyota Corolla Altis 1.6, 50% NCD, India International Comprehensive (any workshop or authorised workshops) is the cheapest plan that covers it, at S$604.07 today, GST included. The median of each insurer's lowest price is S$848.71.