A car accident or breakdown is stressful enough without worrying about a towing bill. The good news: if you hold comprehensive car insurance, your tow should cost you absolutely nothing. Here's exactly how it works in Western Australia.
Need a tow? We'll handle your insurer.
Have your policy number ready when you call — we do the rest.
Does My Insurance Cover Towing?
Comprehensive
Towing is almost always included. Check your PDS for any kilometre limits.
Third Party Property
Generally does not include towing. You may be covered if the other driver was at fault.
Third Party Fire & Theft
Typically only covers fire damage or theft — not accident towing.
How the Process Works — Step by Step
Call Tow Rite
Call us on 0405 888 555. Tell us your location, the nature of the incident, and have your insurance policy number ready.
We confirm coverage
We confirm your insurer and advise whether we can bill directly. For all major WA insurers, the answer is yes.
We dispatch and tow
We arrive at your location, load your vehicle safely and transport it to your repairer or a storage facility as directed.
We invoice your insurer
We send the invoice directly to your insurer. You receive no bill. The claim is processed in the background.
Which Insurers Does Tow Rite Work With?
We have direct billing arrangements with all major insurers in Western Australia. If your policy is with any of the following, we can invoice them directly:
Don't see your insurer? Call us anyway — we work with most providers and can advise within minutes.
What If I'm Not Insured?
If you don't hold comprehensive insurance, you'll need to pay the towing cost directly. The good news: towing rates in WA are regulated by the Department of Transport, so you can't be overcharged. We always provide an upfront quote before dispatching.
If the accident was the other driver's fault, contact their insurer — you may be entitled to have your towing costs covered under their third party liability policy.
Can I Choose My Own Tow Truck Company?
Yes — you have the right to choose.
Under WA law, you are not required to use the towing company your insurer dispatches. You can call any licensed WA towing operator, and if they bill your insurer directly, the process is seamless.
Some insurers' preferred providers may not be the fastest, closest, or most careful with your vehicle. Choosing a trusted local operator like Tow Rite puts you in control.
Frequently Asked Questions
Will making a towing claim affect my premium?
A towing-only claim typically does not affect your no-claims bonus, but this depends on your specific policy. If the tow is part of an at-fault accident claim, the accident itself may affect your premium. Check your PDS or call your insurer to confirm.
Is there a limit on how far insurance will tow my car?
Some policies include a kilometre limit for towing (e.g., to the nearest repairer). Others cover any tow you authorise. Check your Product Disclosure Statement (PDS) for the towing limit. Tow Rite can also advise based on your insurer when you call.
What if my insurer disputes the towing invoice?
This is rare when using a licensed operator with an established insurer relationship. If a dispute does arise, Tow Rite will handle it directly with your insurer — you won't need to get involved.
Need an Insurance Tow in Perth?
Have your policy number ready. We'll handle everything else.