What roadside assistance does not cover in Australia varies by provider such as NRMA, RACV, RACQ, Allianz and Budget Direct roadside, but there are common exclusions across most policies. Roadside assistance is designed for breakdowns, not for accidents, theft or general maintenance, so it typically does not cover accident damage, if you crash your car, you need to call your car insurer, not roadside assistance. It does not cover the cost of parts and major repairs, for example if you need a new battery, new tyres, or a new alternator, roadside will provide a jump start or fit your spare, but you must pay for the new battery or tyre yourself. It does not cover vehicles that are unregistered, unroadworthy, or have been modified illegally. Most basic roadside policies do not cover towing more than a limited distance, for example basic cover may only include 10km of towing to the nearest workshop, and you pay extra per kilometre beyond that, while premium cover includes up to 100km or unlimited towing in some states. It does not cover bogged vehicles off sealed roads, for example on beaches or 4WD tracks, unless you have 4WD or premium remote cover. It does not cover fuel if you run out, some policies deliver $5 of fuel but you pay for the fuel, and it does not cover lost keys replacement, only lockout assistance to open the car. It also does not cover servicing, oil changes, or pre-existing faults that you have ignored.
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