Insurance and Towing

Most vehicle insurance policies include some towing coverage. Here's how it works.

What's Usually Covered

Comprehensive Insurance

Typically includes towing after an accident or breakdown. Often has a limit (e.g., $500) or distance (e.g., to nearest repairer).

Third Party

Usually doesn't cover towing for your own vehicle, only if you're at fault and need to move the other person's car.

Mechanical Breakdown Insurance

May cover towing to a repairer if the cause is mechanical failure.

How to Use Your Coverage

Option 1: Call Us, Claim Later

Pay for the tow, get a receipt, submit to your insurer. Usually fastest option.

Option 2: Insurer Arranges

Call your insurer, they call us. Can take longer as you're waiting on two calls.

Option 3: We Bill Insurer Direct

For some insurers, we can bill them directly. Ask when you call.

What You'll Need

To claim from your insurer:

• Our invoice/receipt
• Photos of the scene
• Police report number (if applicable)
• Your policy number

Insurance Companies We Work With

We work with all major NZ insurers:

• AA Insurance
• State
• Tower
• AMI
• Vero
• And others

Tips

1. Know your policy - Check what's covered before you need it

2. Keep receipts - We provide full documentation

3. Report promptly - Insurers want to know about incidents quickly

4. Ask us - We deal with insurance every day and can advise

Questions?

Call us on 0800 422 055 - we can often tell you if your situation is likely to be covered and the best way to proceed.