Once you’ve chosen between these options, decide what kind of cover you want. There are five main types…
1. Roadside assistance
A recovery vehicle will come out to you and the mechanic will try to fix your motorbike at the side of the road. If this is not possible, you will usually be taken to the nearest garage.
2. Nationwide recovery
This includes roadside assistance, with the additional option to be taken to anywhere in the UK if roadside repair isn’t possible.
3. Home start
This type of cover applies if you’re close to your home address and your motorbike won’t start. The area it covers varies by provider, but it’s usually a quarter-mile radius of your home.
4. Onward journey
Cover that gets you to where you were going when you broke down. It might offer you reimbursement for the costs of temporary accommodation – a hotel room, for example. It could also cover you for the hire of a replacement vehicle, or medical assistance.
5. European cover
Adding European cover extends your recovery area to the European continent, making it a good choice for travel. Remember to check the details of your policy so you know which countries and which breakdown situations are covered.