Motorcycle Breakdown Cover

It's not just cars and vans that can benefit from breakdown cover, as a whole range of scooters, mopeds and motorcycles can too.

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Rating: 5 out of 5 stars

RAC have amongst the best average response times and roadside fix rates in the industry. Cover prices are competitive and you can save money by purchasing online too.

37 minutes 82% Buy Now

From £34.99
per year

Rating: 4 out of 5 stars

Emergency Assist already has over 200,000 members and an AVRO approved network of over 4,000 vehicles. The ‘Saver’ cover they offer is currently one of the cheapest on the market.

41 minutes 73% Buy Now

From £19.00
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Rating: 4 out of 5 stars

Relatively new compared to their rivals, using over 4,000 independent specialists rather than their own network. For this reason, you won't have seen see their brand on the road.

40 minutes 70% Buy Now

From £17.90
per year

Rating: 3.5 out of 5 stars

Unlike most providers, GEM only offers personal-based cover. This can be much cheaper for those using multiple vehicles, although often expensive if only using one.

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From £59.54
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Everything You Need to Know about Motorcycle Breakdown Cover

Breaking down is a stressful experience.

If you're inside a car, and you've got a flat tyre, at least you can wait inside a warm and dry space for someone to come and rescue you. On the other hand, if you're riding a motorcycle, you could be sitting on the side of the road for hours, trying to protect both yourself and your machine from the elements.

Standard car insurance simply isn't enough to defend your bike from anything that might happen on the open road. Motorcycles need a different level of care and specific knowledge from assistance providers. The good news is that there are various options available for motorcycle breakdown coverage if you need it. Investing in the right cover for your bike can save you from a difficult experience in your time of need.

Motorcycle breakdown cover is a specialist form of breakdown cover that's designed to support people who need help protecting their motorcycles, mopeds, scooters, and other powered two-wheel vehicles. Some standard breakdown policies won't cover every type of motorcycle, so make sure that you're getting the right coverage to suit your vehicle.

It may also be worth shopping around for different motorcycle insurance policies when you're looking for protection for your vehicle. Some policies come with breakdown cover included as standard, although they might be slightly more expensive than less comprehensive offers.

What Kinds of Motorcycle Breakdown Cover Are Available?

Like with all other forms of breakdown cover, you'll be able to find different levels of protection for your bike depending on the company you choose to buy with. Sometimes, you can switch up the level of coverage you get according to the number of bikes that you want to protect, or how you'd like to pay for your policy. The most common decision you'll need to make is whether you want personal motorbike breakdown cover or vehicle coverage.

Just like standard breakdown cover, personal policies refer to circumstances when the cover applies to you as an individual. This means that you can ride any motorbike, provided that it meets the requirements that are included on your policy. You can even claim on your policy if you're a passenger on a bike, instead of being the driver.

The other option available is the "vehicle" breakdown cover. This applies to at least one specific motorcycle, and in some cases, it can be spread across multiple vehicles.

Aside from picking between vehicle and personal coverage, you'll also be able to choose between how you pay for your policy. For instance, traditional motorcycle breakdown coverage asks a policy holder to pay regular amounts every month, or every year for constant coverage. You might be limited on the number of call-outs you can expect within your policy. On the other hand, insurance-style breakdown cover works by allowing you to call out a recovery team whenever you need one and paying for the call out yourself. You can then claim the cost of the call out at a later stage.

Joint Motorcycle and Car Breakdown Cover

If you like to swap between a standard car and a motorcycle depending on the journey that you're taking, or the weather, then you might be able to find a provider that can offer joint breakdown cover. This cover supports you regardless of whether you're using a motorcycle or a car. However, you will need to discuss your personal circumstances with your policy provider. Usually, the simplest way to access joint car and motorcycle breakdown cover is to take out a private coverage policy. This ensures that you'll be covered regardless of what vehicle you're driving.

Not every breakdown policy provider will be able to give you joint coverage for your motorcycle and your car on the same policy. Some will ask you to take out two separate policies for your different vehicles. It's best to compare your options online to make sure that you're getting the best possible deal.

If it's not possible to cover you on both vehicles through a personal policy, you can speak to your provider about whether it's better to get a vehicle policy for two separate machines.

What Are the Different Levels of Motorcycle Breakdown Policy?

There are various levels of coverage available in any form of breakdown cover. Whether you're looking to protect your van, your car or your motorcycle, the level of protection that you need will depend on how you plan to use your vehicle. Most of the providers that offer motorcycle cover will offer very similar levels, though you might find that some provide extra features that are worth considering when you're comparing the available options.

Some of the most common levels of cover available to motorcycle motorists include:

  • Roadside cover: Often regarded as the most basic level of cover, roadside cover refers to when a mechanic comes out to you and helps you to fix your motorcycle on the side of the road. Usually, if they cannot fix your problem, then they will take you and your bike to the nearest garage. They may not be able to get you home depending on how far away your house is.
  • Nationwide cover: When you get nationwide coverage, you get a similar experience to the roadside cover that we outlined above. The difference is that if a mechanic can't fix your vehicle, they will be able to take you to any garage or address that you request.
  • Home start: This is handy if you want assistance if your bike is unable to start when you're at home. You'd be surprised how many problems with motorcycles happen right on your doorstep. This can be incredibly frustrating at times. Home start is usually an added feature of a bigger policy.
  • Onward Journey: If you choose an onward journey policy for your motorcycle breakdown cover, then this means that your policy provider will give you a way to continue on your trip while your motorbike is being fixed. While your motorcycle is sent to another destination, you can continue your adventure with as little disruption as possible. This could mean that you get a car hire, train or taxi to your destination. Your provider may also give you a hotel overnight while your vehicle is being fixed.

There's another level of motorcycle breakdown cover available too, although it's designed for a specific kind of person. If you're the kind of individual who likes to explore the various roads of Europe on your bike, or you go on a lot of tours, then you may need special coverage. European motorcycle breakdown cover provides support for when you're outside of the UK, in certain European countries.

Remember that when you're looking for European coverage, you'll need to be careful to ensure that you're getting the right kind of protection. Not all providers will be able to offer coverage for every country in Europe. Additionally, some providers will only provide support for a single trip to Europe, while others can cover you for the entire year. The type of coverage you choose to get will depend on how often you travel away from the UK.

European motorcycle breakdown cover can also be something that you buy separately from your standard insurance policy or something that you bolt onto the protection that you're already paying for. It's worth discussing your options with your insurance provider before you get started.

Before You Begin Looking for Motorcycle Breakdown Cover

Before you start searching for motorcycle breakdown cover, it's worth noting that some insurance providers might offer breakdown support as part of their policies. This option is becoming rarer as people try to keep the costs of insurance as low as possible. To give you the lowest possible price, many insurance providers will strip everything "extra" from their policies.

If your policy does come with breakdown cover included, it's important to get all the details on what to expect. Sometimes, coverage included as part of a basic policy will be very limited. You might have to pay for an excess if you want to travel outside of the UK, for instance. You'll also need to keep checking on your policy every so often to check that you're still getting a good deal.

Remember that some motorcycle breakdown coverage policies also come with the option to apply "added extras" to your existing policy. For instance, you might want to get extra coverage in case you lose your keys, or they end up stolen. It's also possible to apply for coverage if something happens to your bike because of an accident that you make. Perhaps you accidentally put the wrong fuel into your tank one time, and you need the help of a garage to fix it.

Another thing to consider before you begin searching for breakdown cover is that many motorcycle breakdown policies will have exclusions that your provider might not be able to help you out with. After all, insurance providers can't do everything. Common exclusions that you might find with motorcycle breakdown coverage include:

  • Issues that happen on private land: If your motorcycle breaks down when you're exploring privately owned land, your provider may not be able to reach you. If there are any issues, they may also charge an extra fee for assistance.
  • Accidents on the road: If you're stuck on the side of the road because of a traffic accident - regardless of whether it was your fault or not, your provider may not be able to help you. They will need to wait for the emergency services to clear the scene at the least before they can remove your bike.
  • Issues caused by basic maintenance issues: Finally, your breakdown cover provider will expect you to take reasonable care of your motorcycle. This means following the instructions for basic maintenance. If you suffer from a breakdown due to poor upkeep, then you may have to pay fees for a call out.

How Much Does It Cost to Get Motorcycle Breakdown Cover?

Motorcycle breakdown cover will be an added expense on top of your existing insurance and bike maintenance fees. However, for many people, it's also something that you can't really afford to cut costs on. The stress involved with being stuck on the side of the road when your motorcycle breaks down is something you need to take seriously. Of course, like with most insurance and protection policies, the cost of your breakdown cover will depend on numerous factors, including:

  • The level of coverage you choose: The more comprehensive your protection, the more you'll need to pay for your breakdown cover.
  • The type of cover you choose: Different insurance providers offer unique prices depending on whether you choose to cover yourself for a wide range of motorcycles, or just one.
  • The number of bikes you want to protect: Many insurance providers offer the opportunity to add multiple bikes to your policy. This can save money on getting separate policies, even if it does increase your premium price.
  • The age, model and make of the motorbike: Older motorcycles can cost more to cover. Additionally, if your bike is powerful enough that it requires specialist care, then you may expect to pay more too.

Remember to double-check that your insurance policy provider doesn't offer motorcycle breakdown cover as part of the average policy. Most will simply offer it as an added extra. However, you might be surprised about the level of support that's available to you. You might be able to switch to another insurance provider and get a better deal overall by getting insurance and breakdown cover combined. If not, you can always buy your breakdown cover separately.

Remember, if you don't have breakdown cover for your motorcycle and something goes wrong, then you might spend hours on the side of the road trying to get help from a friend or track down a local garage that can help you out. This could be an expensive and exhausting process.

It's often a better idea to simply look for the best deal on your motorcycle coverage now. With the help of comparison websites, you can check the total price of various different motorcycle breakdown policies in your area, and make sure that you're getting the right deal.

Remember, when you're comparing your policies, make sure that you're looking at like-for-like quotes. This means ensuring that you're getting the same level of coverage from each provider. You'll also need to check for things like how long it will take for someone to reach you on the side of the road, and whether there's a limit on the number of call-outs you can make.

What to Do If Your Motorcycle Breaks Down

As mentioned above, breaking down in a car can be a headache at the best of times. However, it can sometimes be a lot worse if you break down when you're riding a motorbike. The chances are that you won't be with your friends, and you won't just have a spare tyre with you that you can switch out at a moment's notice. Additionally, there's a chance you could be injured if you swerved on your bike as a result of the breakdown.

The best thing you can do during this situation remains as calm as possible. If something goes wrong with your bike, focus on getting yourself into a safe environment as quickly as possible. Signal to the vehicles around you and don't worry about getting as close as your destination as you can. Pull over as quickly as possible.

Get off your motorcycle as quickly as you can and pull the motorbike away from the rest of the traffic if you can. However, it's important to make sure that you remain visible from the side of the road. This will help the person or team that you call for assistance to find you - even when it's late at night. If you have a high visibility jacket with you - that will be even better. Turn on your hazard light when you know that you're awaiting assistance and turn off your headlights so that you don't drain your battery power.

Once you're safe, and on the side of the road, you'll need to call your breakdown cover provider and let them know where you are. If you have any passengers with you, tell them now. If you don’t' already have cover for breakdowns and you're suffering on the side of the road, then you might still be able to find someone who can help you. You can also track down local garages for assistance, although you will need to pay a fee.

Common Breakdown Cover Questions for Motorcycle Users

Hopefully, at this point, you'll know a lot more about getting breakdown cover for your vehicle, and you'll feel more confident about being out on the road. However, while getting breakdown cover is simple enough, you might have some additional questions to ask about the process, and how much coverage you're likely to get. For instance:

Q: Will I be covered for punctures and damage to my tyres?

A: Most of the major providers of breakdown cover for motorcycles will be able to repair a puncture quickly and easily on the side of the road. A plug can be used to get you to where you need to be, but you will need to replace your tyre as soon as you can to ensure that it's safe. It can be helpful to carry a puncture repair kit with you on the road too.

Q: Are passengers covered on a breakdown policy?

A: Other people won't necessarily be covered on your breakdown policy. However, there are workarounds. For instance, if you have personal breakdown cover and you're on your friend's bike, then you can always claim on your personal account.

Q: Can I change the bike on my policy?

A: Things change in life, and your provider probably won't expect you to stick to using the same bike until your policy comes to an end. The chances are that you'll be able to swap out the bikes on your policy without any additional charges or hassle.

Q: Will I be covered for European Trips?

A: The chances are that the average motorcycle breakdown cover policy you get won't be able to cover you in European cities and countries. However, if you travel outside of the UK frequently for work or pleasure, then you might be able to find a provider who can offer you European coverage as an added bolt-on to your policy. Remember that when you're applying for European coverage, you can check out the options for both annual and one-time coverage.

Q: Will, a New Bike, come with breakdown cover?

A: Sometimes, if you buy a brand-new motorbike from a manufacturer, then they will give you breakdown cover built-in as part of your purchase. This coverage may last for a limited amount of time, and it's possible that it will only cover a certain type of policy. For instance, you might get roadside assistance, but you may not get home protection if something goes wrong with your vehicle outside your front door. It's worth looking at the different deals and options available to you when you're buying a motorcycle new. Comparing your options is a good way to ensure that you're getting the right deal.

Q: Can I add things onto my policy halfway through?

A: You may decide that you need extra forms of protection when you're mid-way through your policy. For instance, you might want protection in case you do something silly like using the wrong fuel on your bike. If this is the case, you'll need to contact your provider and ask them what you can bolt-on to your package. Remember to double-check the comparison websites that you prefer to use to see whether you can get better deals elsewhere. Don't just assume that you'll get the best coverage price from your existing provider because you're a loyal customer.

We may receive payments or commission for advertising. This does not influence any ratings or reviews which are based on our opinion. Average response times and roadside fix rates will not normally include major accidents or extreme failures. Information correct at time of publishing.