Motorbike Breakdown Cover

If you ride a motorbike, you’ll need a breakdown service that’s quick and reliable, as well as giving you good value for money. Most of the UK’s motoring organisations offer breakdown cover for any domestically-used vehicle, but you still need to bear a few things in mind when you choose your policy.

Motorcycle Breakdown
Company	Price From	Online Discount	European cover	Maximum no claims discount	Tow home	Tow to nearest garage	Roadside repair	Home start	Courtesy car
	£29.00	25%
	£33.00	25%
	£75.00	25%
	£69.75	25%
	£69.00	25%
	£79.65	10%
	£102.00	25%
	£102.75	25%
	£122.40	25%
	£129.00	25%

Bennetts Insurance & Breakdown
Company	Package Name	Price From	Online Discount	European cover	Maximum no claims discount	Tow to nearest garage	Roadside repair	Courtesy car	Additional Services
	Bennetts Bike Insurance and Breakdown	Instant Online Quote

Last Updated: Thursday, 3-January-2008

Should the policy cover the bike or the rider?

If your bike is your pride and joy, you probably won’t be letting other people ride it. If this is the case, you should get a policy that insures you rather than your bike. Also, if your policy covers you rather than your vehicle you’ll be able to get roadside assistance even if you’re driving someone else’s car or riding a different bike.

What level of cover is best for bikes?

Generally, breakdown cover is offered in three stages. What’s best for your bike is up to you - it all depends on how much you’re prepared to pay and how comprehensive a service you’ll need. Think about the cover you really need so that you don’t end up paying for expensive extras you won’t use, or end up needing something you don’t have.

Basic: The basic package usually costs around £40. If your bike breaks down, a mechanic will be sent to repair it. If it can’t be repaired at the roadside, it will be towed to the nearest garage.

Intermediate: This will be a basic package with a couple of added extras. The policy should cover your onward travel and the travel costs of your passengers.

Comprehensive: With this level of cover, you get everything the company can offer. This may include cover for riding around Europe, assistance if your bike breaks down at home, and a replacement hire car while it’s being repaired. You can expect to pay up to £150 a year for this type of cover for a single policy.

How long will I be waiting for a mechanic?

As a bike owner, you won’t have anywhere to shelter while you wait for a mechanic, so you’ll want a rapid response. Unfortunately, motoring organisations won’t give priority to you unless you’re in immediate danger, but they should guarantee to get to you within an hour. The average response time for most call-outs is 40 minutes.

How do I find good motorbike breakdown cover?

To save money and find the cover that’s right for you, shop around and take a good look at all the policies available. There’s plenty of information to help you make your choice on BreakdownChoices.co.uk.