What Is Towing Insurance?

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No one plans to break down on the side of the road, but it happens — and when it does, having towing insurance or a similar coverage can save you time, money, and stress. At BMI Brokers, we often receive questions like:“What is towing insurance?”or“Is towing covered in car insurance?” That’s why we’ve created this complete guide to explain everything you need to know — including how our car insurance in Spain can protect you with roadside assistance, even though we don’t offer towing insurance as a standalone product. Whether you’re a resident, an expat, or visiting Spain and need temporary coverage, understanding your options is key.

Contents

Towing insurance is a type of coverage that pays for the cost of towing your vehicle when it becomes undriveable due to:

Mechanical breakdowns
Electrical faults
Flat tyres or battery failure
Running out of fuel
Accidents or collisions

The service is usually provided by a towing company contracted by your insurer, and depending on your policy, it can include:

Transport to the nearest garage
Roadside repairs if possible
Retrieval from remote areas
Additional services like car replacement or accommodation

This kind of insurance can come in two forms:

✅ As a standalone policy (less common)
✅ As part of a roadside assistance or car insurance policy

Why Towing Insurance Is Essential

Many drivers underestimate how quickly towing costs can add up. Depending on distance, time, and day of the week, a simple tow in Spain can cost €100 to €300 or more. And if you’re in a rural area or need special equipment, the cost could double.

Benefits of having towing or breakdown cover:

Emergency support anywhere in Spain
No unexpected expenses if your vehicle breaks down
Quick response through a helpline or app
️ On-the-spot repairs when possible
Peace of mind during long drives or road trips

Does Standard Car Insurance Include Towing?

Not always. Basic or third-party car insurance policies may not include towing or breakdown services. These are often available as:

Optional add-ons (roadside assistance)
Built-in features of fully comprehensive plans
Premium extras depending on the insurer

That’s why it’s essential to review your car insurance policy carefully before assuming you’re covered.

What We Offer at BMI Brokers

At BMI Brokers, we understand how frustrating a breakdown can be — especially if you’re driving in a new country or don’t speak the language. While we don’t offer towing insurance as a separate product, many of the insurers we work with include roadside assistance with towing as part of their comprehensive car insurance plans.

✅ Our Car Insurance in Spain Can Include:

✔️ 24/7 roadside assistance
✔️ Towing to a nearby repair centre
✔️ Emergency fuel delivery
✔️ Battery jump-start or tyre change
✔️ Coverage across Spain and sometimes Europe
✔️ Optional extras like replacement vehicles

We work with top Spanish and international insurers to provide flexible, competitively priced coverage — tailored for expats, residents, and even non-residents in Spain.

Real-Life Examples: When Towing Cover Can Help

Still unsure if it’s worth it? Here are some typical scenarios where towing coverage can be a lifesaver:

Scenario 1: Breakdown on a Road Trip

You’re driving from Marbella to Valencia when your engine suddenly cuts out. With roadside assistance, your car is towed to the nearest garage and you’re offered transport or even accommodation while it’s repaired.

Scenario 2: Battery Failure at Home

Your car won’t start in your driveway. Instead of calling a private mechanic, your insurer sends someone to jump-start your battery — at no extra cost.

Scenario 3: Rental or Temporary Use

You borrow a friend’s car and take out temporary coverage with roadside support — giving you towing protection without a long-term policy.

How to Get the Right Cover With Us

Getting started is simple. When you reach out to us at BMI Brokers:

We assess your needs — location, usage, and risk profile
We compare policies from trusted insurers in Spain
️ We explain what’s included — like towing, roadside help, etc.
️ We guide you through the paperwork and activation
We’re here for ongoing support in English and Spanish

Final Thoughts: What Is Towing Insurance — And Do You Really Need It?

Towing insurance may sound like a niche product, but in reality, most drivers need this type of protection — especially in a country like Spain where breakdowns can happen far from help.

Even though we don’t sell towing insurance separately, our comprehensive car insurance in Spain includes many of the same benefits: towing, roadside repairs, and 24/7 support. Don’t wait until you’re stranded on the roadside.

Contact us today for a no-obligation quote and discover the best car insurance plans that keep you moving — with or without towing insurance.

Looking for more expert insights? Visit our blog for in-depth guides, insurance tips, and industry updates to keep your business protected and compliant!