Praise be to Allah.
This kind of insurance contract is based on ambiguity, which
is haraam. The ambiguity in this case is that the person will pay this
amount (200 riyals) and he may benefit from it to have his car towed if it
breaks down one or more times, or he may not benefit from it at all, if his
car does not break down.
The fatwas of the scholars clearly state that this kind of
insurance, and similar kinds of commercial insurance, are haraam.
But in light of the problem that you mention, if you can make
an agreement with a company that offers particular services, such as oil
changes, navigation information, or regular maintenance and checkups, in
addition to towing the car if it breaks down, then we hope that there will
not be anything wrong with that, and it will be an acceptable alternative to
the problem that you mention.
We ask Allah to help and guide us and you.
And Allah knows best.