Finding good motorcycle breakdown cover is an essential part of being a bike owner. It should be viewed as something that's totally necessary rather than a nice but optional extra to riding your bike. After all, motorcyclists have it much harder in a breakdown than car owners. Imagine being stuck in the rain on a cold night while coming home from work in the evening. Not only is it dark, wet and cold but you've got no shelter or heating at all - it's not a pleasant experience and while we all hope it doesn't happen to us, sometimes it does.
It's in those times that having competent motorcycle breakdown cover is a godsend, but what exactly should you be looking for when comparing motorcycle breakdown cover deals? Well, the good news is that due the massive increase of popularity in motorcycles on the roads there's more choice than ever when it comes to good motorcycle cover, and more companies are offering different levels of cover so motorbike owners have got a much wider range of choice for their own budgets then they did five years ago.
When looking for cover as a motorcyclist, you may have different priorities than you might if you were insuring a car. The big one is the speed of the recovery service on the roadside. However, you don't get priority over cars unless there is immediate danger, so you'll actually have to look for companies that offer fast recovery across the board rather than hoping for one that gives priority to motorcyclists. Some providers will offer a one hour callout guarantee though, and the average time across all companies for a recovery is a respectable 40 minutes.
You should also consider whether you want to cover yourself or your bike. If you are the only person to drive your bike than getting vehicle cover is the best option as it’s nearly always cheaper, but if you ever drive other vehicles it's normally worth it to spend a little bit more money and get the insurance out against yourself rather than one specific vehicle. This isn't always the case though, especially if you can find special deals or limited offers that can make insuring yourself cheaper than insuring your vehicle.
When checking providers make sure your bike is covered - most insurers wont insure anything with an engine under 50cc, so if you have a less powerful motorcycle breakdown cover may not be an option. Recovery after an accident is nearly always not covered and also be careful where you're driving - in some places such as the Channel Islands and the Isle of Man your breakdown cover may not apply, so always check before you leave!
It's also a good idea to get your leathers and helmet insured at the same time as getting breakdown cover as this is a good thing to get insured and can cost as little as £40 if you purchase it as the same time as regular motorcycle breakdown cover.
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