Does a comprehensive motor insurance policy cover the towing charges following the vehicles breakdown?

If the breakdown is due to normal wear and tear, the towing charges will not qualify for indemnification under the motor policy.

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Depends on where you are, where the policy is written, and the terms of that policy. We get questions from several nations, and they would all have different answers. In the US, COMPREHENSIVE coverage deals with losses from things such as fire, theft, vanadalism, storms, etc. There is a separate provision for towing or roadside assistance- it pays up to a stated maximum if the vehicle has to be towed for repair (or salvage). You need to check with your insurance agent or insurance company to see what you have.