If you’ve been involved in a vehicle breakdown or accident, one of the first questions you’ll likely ask is:
“Will my car insurance cover towing costs?”
The answer depends on your insurer, policy type, and the circumstances surrounding the incident. Understanding how towing claims work can save you hundreds of dollars and help you avoid unnecessary delays during an already stressful situation.
Melbourne has one of the most structured towing fee frameworks in Australia. Under the Accident Towing Services Act 2007, Victoria’s Essential Services Commission (ESC) reviews accident towing and storage fees every four years and makes recommendations to the Minister for Roads and Road Safety.
In this guide, Bristowing explains how to claim towing costs on car insurance in Melbourne, what insurers usually cover, average towing charges in Australia, and practical tips to maximise your chances of a successful claim.
Why Towing Coverage Matters
Vehicle breakdowns and accidents rarely happen at convenient times. Whether your car stops on a busy motorway or after a collision, professional towing protects your vehicle from further damage while ensuring your safety.
Many comprehensive car insurance policies include towing after:
- Vehicle accidents
- Mechanical breakdowns
- Flood damage
- Fire damage
- Theft recovery
- Non-drivable vehicles
However, every insurer has different limits and conditions.
Does Car Insurance Cover Towing Costs?
In Australia, towing coverage depends on:
- Your insurance provider
- Comprehensive vs Third Party insurance
- Policy inclusions
- Accident circumstances
- Distance to approved repairer
Generally:
| Insurance Type | Towing Usually Included? |
| Comprehensive | Yes |
| Third Party Fire & Theft | Sometimes |
| Third Party Property | Usually No |
| CTP Insurance | No |
Always read your Product Disclosure Statement (PDS).
Step 1 — Ensure Everyone Is Safe
Immediately after an accident:
- Move to a safe location (if possible)
- Turn on hazard lights
- Call emergency services if required
- Take photographs
- Exchange driver information
Step 2 — Contact Your Insurance Company
Before arranging a tow truck, call your insurer.
Most insurers have:
- 24/7 Claims Hotline
- Emergency Assistance
- Approved Tow Operators
Using an approved towing company often simplifies reimbursement.
Step 3 — Choose a Professional Towing Company
If your insurer allows you to select your own towing provider, choose a licensed and insured operator.
Bristowing provides:
- 24/7 Emergency Towing
- Accident Recovery
- Flatbed Towing
- Breakdown Assistance
- Vehicle Transport
- Local & Long Distance Towing
Step 4 — Keep Every Receipt
Never throw away:
- Tow truck invoice
- Tax receipt
- Payment confirmation
Your insurer may require proof before reimbursing towing expenses.
Step 5 — Submit Your Insurance Claim
Most insurers require:
- Claim number
- Driver licence
- Vehicle registration
- Accident photos
- Tow truck invoice
- Police report (if applicable)
Claims can usually be submitted online or via the insurer’s mobile app.
Average Tow Truck Cost in Australia
One of the most searched questions is:
How much does a tow truck cost in Australia?
Average pricing varies depending on:
- Distance
- Vehicle size
- Time of day
- Emergency call-outs
- Accident recovery
- State regulations
Estimated costs:
| Service | Average Cost |
| Local Tow | $120–$250 |
| Accident Recovery | $180–$350 |
| Long Distance | $3–$7 per km |
| After Hours | Additional charges may apply |
Prices vary by location and towing requirements.
Factors Affecting Tow Truck Costs
Several factors influence towing charges:
-
Distance
Longer trips cost more.
-
Vehicle Type
SUVs, vans and commercial vehicles generally cost more.
-
Time
Night, weekends and public holidays may incur higher rates.
-
Recovery Complexity
Vehicles in difficult locations require specialised equipment.
Common Reasons Insurance Claims are Delayed
Avoid these common mistakes:
❌ Using an unlicensed towing operator
❌ Missing receipts
❌ Delayed reporting
❌ Incorrect claim information
❌ No accident evidence
Why Drivers Trust Bristowing
For over 10 years, Bristowing has delivered reliable towing and roadside assistance across Brisbane and surrounding suburbs. Our experienced operators provide 24/7 emergency towing, accident recovery, flatbed towing, and vehicle transport using a modern fleet equipped to handle everything from passenger vehicles to light commercial vehicles.
With extensive local knowledge and a commitment to safe, professional service, we help drivers get back on the road quickly while supporting them through the insurance claims process.
Tips to Make Your Insurance Claim Easier
- Save insurer emergency numbers
- Photograph vehicle damage
- Ask for itemised invoices
- Report accidents immediately
- Read your insurance PDS
- Choose experienced towing professionals
