Ok so My advice is go the TOP cover you can get.
Mine is with RACV and has really saved my Bacon a few times.
The first (big one)
Bought a car in Perth whilst on holiday, decided to drive it back.
Broke down basically on the WA/SA border in the middle of nowhere.
RACV paid for accomodation, 300km taxi ride, 4 flights, 20km taxi ride, 6 meals
Then paid for storage fees at the garage where the car was left till a tow truck could get it,
Tow from Perth to Wodonga, and then for the storage fees at the transfer yard on the way over.
Then a hire car for a week whilst it was getting repaired
This was for two adults and a child.
Would have cost me MULTIPLE thousands of $$$$$ but no cost to me and I got 2 phone calls a day checking on us to make sure we were ok and if we needed anything.
They really went above and beyond.
The second (big one)
driving from QLD to Wodonga, the boat trailer wheel sheered off the trailer.
Towed from QLD to my drive way on a special flat bed (trailer was wider than 2.4m)
Paid for meals for us whilst we waited for the towies, and didn't cost me a cent.
I would not drive around with out it to be honest. It covers me in any car I drive, anywhere in Australia, and provided whatever Im towing is legal then it covers that too.
Cheers
Evo