Coverages / Roadside assistance and towing
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Roadside assistance and towing
Towing a 30-foot motorhome or a trailer is not a standard tow; RV-specific roadside cover names the vehicle class it will tow.
- 1RV and trailer types 3
- 2Powersports types 0
- 3Questions to ask 2
- 4All lines 14
When it matters
It pays for towing, tyre changes, fuel delivery and lock-outs, using providers equipped for the size of vehicle named.
A standard car roadside plan may not tow a 30-foot motorhome, a fifth wheel or even a heavy touring bike, because the provider needs equipment rated for the weight and length. RV-specific roadside cover names the vehicle class it will handle and sends a provider who can.
Look at the towing distance limit — breakdowns on long trips often happen far from a dealer who can repair an RV chassis — and whether the cover includes the tow vehicle as well as the trailer. Motorcycle roadside plans should state that the bike will be transported on a flatbed or trailer rather than towed.
For towables, the useful question is what happens to the trailer if the tow vehicle breaks down, and to the truck if the trailer has a blown tyre or a failed bearing. Plans that cover only one of the two can leave half the rig on the shoulder.
The common mistake is carrying a car-only plan and finding, on the shoulder, that the provider cannot send a truck able to tow a motorhome or a loaded fifth wheel.
Ask before you buy
- Which vehicle class and length will the provider tow?
- Is there a mileage limit on tows?
Vehicles it is on
Other lines
Liability (bodily injury and property damage) · Collision · Comprehensive · Uninsured / underinsured motorist · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Personal effects · Emergency expense · Storage / lay-up option
Written from standard RV and motorcycle policy forms; your policy's wording governs. Checked 2026-10-23. Methodology.