How 24-hour car insurance assistance works

Understand how 24-hour auto insurance assistance works and find out what the benefits of having this service are, as well as see if it meets your needs.

Anyone who takes out car insurance can count on some benefits that go beyond the coverage required by Susep.

24-hour car insurance assistance is one of them.

This service is so important that some automakers are already offering some of these benefits.

Even though the car's biggest concern is not in relation to the assistance offered by the insurance company, it can be very useful.

It is necessary to understand that just because you have car insurance does not necessarily mean that you will have a 24-hour assistance service, however, due to a need on the part of insurance companies, it is common for companies to offer it.

However, the items included may vary from one insurer to another, but some of them tend to be common.

To use services such as towing or mechanical assistance, you must contact the insurance company and make the request when necessary.

It is worth remembering that some services, although available, have limitations such as the number of activations and mileage limits.

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Is it possible to have extra services in 24-hour car insurance assistance?

Insurance companies usually offer a basic 24-hour assistance package, which is necessary for drivers to be able to drive with peace of mind.

However, many drivers understand that there is a lack of something that fits into their routine and companies are starting to offer different packages that allow the inclusion of additional items.

The way it works is similar to the coverage, you have the basic package and it includes whatever you think is necessary and what is available.

A very common example is the towing service mileage, which can be extended and even unlimited with the use of extras.

With each increase that is made, the insurance value increases, because it is necessary to pay for the additional benefit.

To understand this difference, see what each insurer offers in terms of 24-hour assistance.

24-hour assistance from Itaú car insurance

• Winch with unlimited mileage;
• Emergency mechanical assistance;
• Driving passengers to the destination or residence of the insured person;
• Keychain shipping;
• Assistance in case of a breakdown;
• Swap the tire for the spare.

24-hour assistance from BB car insurance

• Shipping of spare parts;
• Transport;
• Hotel stay;
• Keychain;
• Changing tires, among others.

24-hour assistance from SulAmérica car insurance

• Mechanical Assistance / Towing with unlimited mileage;
• Changing tires;
• Friendly Driver, who takes you and your car home safely if you are unable to drive;
• Emergency taxi in case of accident, breakdown, robbery or theft;
• Replacement car;
• Keychain.

24-hour assistance from Tokio Marine car insurance

• Towing of the insured vehicle (with options for increasing mileage);
• Mechanical assistance;
• Alternative means of transport;
• Locksmith Service, among others.

24-hour assistance from Azul car insurance

• Flying assistance;
• Trailer;
• Keychain;
• Assistance in case of lack of fuel;
• Changing a flat tire;
• Transport service (according to the contracted clause);
• Return to home;
• Ticket service to collect the repaired vehicle;
• Accommodation.

24-hour assistance from Porto Seguro car insurance

• Mechanical problems;
• Electrical problems;
• Lack of fuel (dry breakdown);
• Loss or problems with keys;
• Changing tires;
• Battery change.

24-hour assistance from Allianz car insurance

• Winch up to 500 km;
• Reserve car with air conditioning for 20 days;
• 2nd winch in the same breakdown;
• Transport to continue the journey or return home: up to 500 km;
• Residential Assistance.

24-hour assistance from Liberty car insurance

• Winch for transport to the workshop or home;
• Mechanic for temporary repairs;
• Keychain;
• Changing tires;
• Help in case of lack of fuel.

24-hour HDI car insurance assistance

• Winch;
• Auto help;
• Taxi;
• Changing tires;
• Keychain;
• Dry bread.

24-hour assistance from Maphre car insurance

• Towing and assistance due to electrical or mechanical breakdown;
• Keychain;
• Changing tires;
• Shipping in the event of a dry breakdown;
• Hotel stay;
• Professional driver;
• Dry bread.

How do I request 24-hour assistance services?

This depends on each insurer, but in general you need to contact them to inform them what is happening and ask for help.

There is the possibility of requesting, for example, through a telephone exchange.

The attendant will record the incident and send help to the location indicated.

When it comes to car problems, help is sent immediately, but may take a while to arrive depending on the location.

Some of the benefits, such as hotel stays, may take a little longer, as this will depend on the availability of the establishments.

Another existing possibility is to request assistance through insurance companies' applications.

If you need a tow truck, just place an order online, in some cases you can see where it is and the route it took until it reaches you.

Is it worth using assistance services?

Of course it's worth it. They are free and can help you when you need it most, so you won't have to look for a private professional and spend money.

You just need to pay attention to whether there is any amount of use and the rules, but whenever you need it, don't hesitate to call.

If you are afraid of losing the insurance bonus that guarantees a discount when the insurance is not activated, don't worry.

24-hour assistance services can be used without affecting your score.

It is worth informing that the coverage consultation was carried out on the official website of each insurer, in January 2018, but is subject to change at any time, so before hiring, contact the insurer you prefer and confirm which items which are included in the 24-hour car insurance assistance.

*This text is editorial content and does not guarantee the sale of this product on this website.