Insurance Encyclopaedia

Emergency assistance

When you find yourself in a bit of a pickle whether it be a flat tyre on the side of the road, a burst geyser or a jammed key in the front door, your insurer will offer emergency assistance where someone will come out and help you.

What is usually covered by roadside assistance?

• A jump start if you have a flat battery; • Help with changing a flat tyre; • Unlocking your car if you’ve locked your keys inside; • A bit of fuel if you accidentally run out; • Minor roadside, running repairs (electrical, coil, immobiliser, etc.); or • Tow-in service to the nearest repair centre or panel beater in the event of mechanical or electrical breakdown.

What is covered by emergency home assistance?

Emergency home assistance covers sudden, unexpected and unforeseen events where you need urgent assistance: • To keep your home and the people living in it safe; or • To limit or prevent further damage to your home. Your policy would usually then cover the call-out fee and first-hour of labour charges. Any further labour charges and the cost of materials and parts will be for your account.

How do I get a tow after an accident?

The best is to call your insurance company’s 24/7 emergency assistance line to arrange a tow truck. It’s likely that other tow companies have already arrived on the scene, but don’t let them move your car until you have spoken to your insurance company. By going through your insurer you will ensure that many of the associated costs are covered by them.