We serve in Uusimaa and Kymenlaakso

Does insurance cover roadside assistance and towing services?

What do different types of insurance usually cover?

Are you wondering whether your insurance covers roadside assistance or towing services? On this page, we will go through the coverage of different types of insurance.

Towing and insurance – what do different types of insurance usually cover?

When your car breaks down on the road, the first question is often: "Will this be covered by insurance?"

Insurance terms and coverage can seem complicated, which is why we have compiled a summary of the three most common types of insurance:

  • Motor liability (minimum)
  • Semi Casco (basic)
  • Full Casco (extensive)

It is also important to remember that:
The exact content of insurance policies varies between insurance companies and even between different insurance products offered by the same company. Below is a summary of what these types of insurance generally cover – not what your specific policy will cover. You should always check the coverage of your own insurance with your insurance company.

If you need help figuring out your insurance coverage, we're happy to help!

Different types of insurance and related questions

Motor liability - compulsory insurance

Semi Casco – assistance for almost everything except your own accident

Full Casco – the most extensive coverage

When does insurance cover towing?

Do bonuses decrease when using roadside assistance or towing services?

Why choose Tieapu24?

  • Local operator in Uusimaa and Kymenlaakso
  • Fast arrival time – often within 30 minutes
  • Service available 24/7, every day of the year
  • Skilled and experienced drivers
  • Modern and versatile towing equipment
  • Our cooperation with insurance companies makes things easier for you
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Valeri Sprinchinat
28/10/2026
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Mika Markkanen
28/10/2026
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Todella nopea ja asiantunteva palvelu alusta loppuun! Ammattimies, kuljettaja hoiti homman varmuudella ja kohteliaasti. Tilaus hoitui sekunneissa, ja kuski soitti heti perään ja varmisti tiedot. Täydet pisteet, suosittelen ja tallennan numeron puhelimen pikavalintaan!
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Kirsi Pesu
27/10/2026
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Palvelu toimi erinomaisesti. Sovittuun aikaan tuli. Mukava kuljettaja ja homma hoidettiin ammattimaisesti. Vakuutus sisältää kuljetuksen
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Raimo Sarti
26/10/2026
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Nopea ja hyvä palvelu
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Kari Tuusvuori
25/10/2026
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Mainio ja mukava palvelu.
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Joni Stenius
23/10/2026
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Aivan erinomaista palvelua ja loistavaa asiakkaan huomioimista! Heillä oli kiirettä ja jo yksi auto kyydissa niin he silti sai säästettyä minun odotus aikaa 45minuutilla vaikka se säätäminen heille tuotti paljon extra hommaa. Homma sujuu ja asiallinen palvelu. Suosittelen heitä lämpimästi ja itse tulen kyllä käyttämään heitä jatkossakin!
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Laura V
22/10/2026
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Nopeasti tuli apu
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PSO Kotka
20/10/2026
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Excellent service. Arttu gets things done!
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Tuukka Rén
18/10/2026
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Todella ystävällistä ja henkilökohtaista palvelua!
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Petri Hakasaari
15/10/2026
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Nopeaa ja ystävällistä huippupalvelua!
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Not all problems need to be solved by towing to a repair shop. Tieapu24 offers comprehensive roadside assistance services that can solve many problems right on the spot. You can get help, for example, when:

  • your car battery is dead and you need jump-starting
  • your keys are locked in your car or the doors are frozen
  • you need a tire repair or replacement on the road
  • you run out of fuel while driving

With our roadside assistance, you can often continue your journey immediately without having to tow your car to a repair shop.

There are many reasons why you might need to call a tow truck. Your car might break down due to a technical fault, be damaged in an accident, or get stuck in a ditch or snowbank. Tieapu24 will tow your car safely to the nearest repair shop or any other destination you specify.

Typical reasons for ordering towing services:

  • car engine or electrical failure
  • collisions and traffic accidents
  • flat tire that cannot be repaired on site
  • car stuck in snow, mud, or a ditch
  • vehicle transport, for example, to an event or another location

We have modern and versatile towing equipment that is suitable not only for passenger cars but also for vans, motorcycles, and other vehicles.

Whether you are in Porvoo, Loviisa, Kotka, Sipoo, or one of the smaller neighboring municipalities such as Askola, Myrskylä, Pornainen, Hamina, Lapinjärvi, or Pyhtää, you can count on fast and reliable service.

Our roadside assistance and towing service

We offer a comprehensive range of towing and roadside assistance services for passenger cars, vans, electric vehicles and motorcycles.

We handle both small roadside problems and demanding towing jobs with a single phone call.

Iconic tow truck.

Towing service

Reliable and safe towing service for every situation!

We usually arrive within 15–60 minutes and transport your vehicle to the repair shop or your home, as you prefer.

icon of a burst tire.

Tire service

We repair punctured tyres on the spot or change to your spare wheel if your car has one.

If needed, we will tow your car to a tyre shop or a workshop.

Car door opening service

We unlock the doors of almost any car, regardless of make or model, without causing any damage to the locks or the vehicle.

Iconic tow truck.

Ditch recovery and winching

We quickly and safely winch your car back onto the road if it has gone off the road or become stuck.

Ditch recoveries and extractions are carried out with a winch without causing damage to the vehicle.

Start-up assistance

If your car won’t start, we will come and provide a quick and safe jump-start.

We also jump-start electric and hybrid vehicles according to their specific requirements.

An icon of a tow truck transporting a passenger car.

Transport services

Non-urgent transport of machinery and vehicles, for example to events, workshops or depots, according to the agreed schedule.

Small repairs and delivery of goods

We carry out minor repairs on the spot whenever possible.

If your journey is interrupted due to a lack of fuel, oil or coolant, we will deliver them to you!

Roadside assistance and towing service on site in minutes

Contact us and tell us about your problem – we will help you quickly and professionally.