Is it worth getting breakdown cover with insurance in Australia depends on your car age, how far you drive and whether you already have standalone roadside assistance. For most drivers, getting breakdown cover as an add-on to your comprehensive car insurance is worth it and is the cheapest way to get cover. Insurers like Budget Direct, AAMI, Allianz, Youi, GIO and Suncorp offer roadside assistance add-on for $70 to $110 per year extra on top of your car insurance premium, compared to $120 to $280 per year for standalone cover from NRMA, RACV or RACQ. If your car is over 3 years old, out of manufacturer warranty roadside, and you drive more than 10,000 km per year, especially outside metro areas, breakdown cover is definitely worth it because a single tow without cover can cost $200 to $500 for a 20km tow and up to $1,000+ for a remote tow. Breakdown cover with insurance typically includes battery jump start, flat tyre change, lockout help, emergency fuel, and towing of 20km to 50km to the nearest workshop, which covers most common breakdowns. The downside is that insurance add-on cover is usually basic, with limited towing distance and no accommodation or hire car if you break down far from home, while premium standalone cover from RAC clubs includes 100km towing, accommodation up to $1,500 and personal cover that follows you in any car. If you already have free roadside assistance from your new car manufacturer warranty, or you have premium credit card roadside, then adding it to insurance may not be worth it. For older cars and regional drivers, standalone premium cover is worth the extra cost.
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