by AdminFree Towing for Private Car Insurance – What You Need to Know
🚗 Your Car Broke Down. Now What?
If your vehicle suddenly refuses to move—don’t panic.
Most comprehensive private car insurance policies in Malaysia offer free towing to help you get out of trouble.
This isn’t just a nice bonus. It’s a practical benefit that can save you hundreds and a lot of stress when you need it most.
✅ What Does the Policy Say?
According to Allianz’s Private Car Policy and Takaful contracts from companies like Etiqa:
Towing costs are covered (up to RM200) if your vehicle is undriveable due to insured damage and needs to be moved to:
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An Approved Panel Repairer, or
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A safe storage location awaiting repair/disposal.
📌 [Source: Allianz Policy Section A3, Takaful Certificate Section A3]
🔧 When Can You Use This Towing Benefit?
✅ Accident (collision, overturning)
✅ Breakdown from mechanical failure (if part of the covered risk)
✅ Fire, explosion
✅ Theft or attempted theft
✅ Malicious damage
🚫 Not for routine flat tyres, battery failure, or personal towing needs (unless stated in specific add-ons).
📞 What You Should Do:
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Call your insurer’s hotline immediately.
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Provide your policy number, location, and car condition.
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Wait for the authorized towing service (don’t use your own without approval unless absolutely necessary).
🤔 Why Use the Insurance Towing Instead of Calling a Friend?
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🚫 No surprise fees
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✅ Safe, panel-approved repairers
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🔄 Fast claim processing
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😌 Peace of mind — no arguing later with the insurer
🔚 Conclusion: Small Benefit, Big Relief
Free towing may seem like a minor feature—but during an emergency, it’s huge.
It keeps you safe, your wallet intact, and your insurance claim smooth.