Most of the information and advice youll find about breakdown cover tends to relate to cars but we all know that cars arent the only vehicles on the roads. What if you have a motorbike? You still have to worry about breaking down in the middle of nowhere, so breakdown cover may still be something you want to look into.
While most providers in the UK will offer the same basic cover for every vehicle regardless of whether you are driving a car or a bike, there might be several things you want to look at. For example, bike riders are less likely to have other users on their bikes than car owners are to have people driving their car, so for the majority of bike owners actually insuring yourself rather than your bike is a good idea, and will allow you to get assistance even if driving another bike or car.
Choosing the best cover
There are 3 ranges of
motorcycle breakdown cover that are usually offered by companies that will provide a level of service for whatever you are willing to pay. What you need is basic cover, but what you might want will depending on your own taste and how much you are willing to spend on cover. Always ask yourself if a service or feature is something that you are likely to use before signing up to any package beyond the basics.
Basic cover: This usually costs around 40, and will get you a roadside repair, if one is available. If not, itll get you to the nearest garage safely.
Intermediate: Provide the same service as the basic packages but will often include some added extras like covering your onward travel, which may be useful if you travel often for business and dont want to miss onward engagements because of a breakdown.
Comprehensive: This is luxury level of cover that provides everything you could ever think of, usually offering features like full European support, assistance for home breakdowns and a replacement vehicle while your bike is being repaired. This can cost three or four times the amount of the basic packages though, so be sure its offering things that you are ever likely to use!
Youll also want to make sure a company can come to you as soon as possible. As a bike owner you dont have the comfort of shelter if you break down in the middle of nowhere, so this can be even more important. Youre unlikely to get priority unless its a dangerous situation for yourself or other road users, but most companies will usually guarantee that someone will be with you within an hour its best to check up on each company and see exactly what they promise about this: before signing up.
Actually finding the right cover can be a pain, of course. There are loads of different companies that may offer you breakdown cover, and you can find them everywhere, from letters sent through the door to stands in your local shopping centre. The best way to cut through all the noise and fuss is to do your own research online using a price comparison website. On a comparison site you can check out all offers from every provider and see the prices simply and easily.
