Compare motorbike breakdown cover

Cover that gets you back on the road when you break down.

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What is motorcycle breakdown cover?

Motorcycle breakdown cover provides help if you run into mechanical trouble. It could save you getting cold and wet on the roadside and ensure you and your motorbike are back up and running as quickly as possible with professional support.

We answer some common questions about breakdown insurance for motorbike owners to help you find the right cover.

What types of motorbike breakdown cover are there?

When it comes to breakdown cover, the options are the same whether you have a motorbike, van or car. You can choose to insure either yourself or your vehicle.

Cover yourself

Personal policies cover the named person when they ride or drive any vehicle that meets the policy requirements. They also cover you if you’re a passenger. This type of policy can cover up to four people who live at the same address – driving cars, vans or bikes.

Cover your motorbike

Vehicle policies cover the vehicle or vehicles specified on the policy. Up to four vehicles (cars, vans, or bikes) registered at the same address can be covered at the same time.

What kind of breakdown cover do I need for my motorcycle?

Once you’ve decided between vehicle or personal motorcycle breakdown insurance, you can decide on which kind of policy you want. There are five main types:

  1. Roadside assistance

    A recovery vehicle will come out to you and a mechanic will try to fix your motorbike at the side of the road. If this isn’t possible, you’ll 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 within a quarter-mile radius of your home.
  4. Onward travel

    Cover that gets you to where you were going when you broke down. It might offer you reimbursement for the cost of temporary accommodation – a hotel room, for example. It could also cover you for the hire of a replacement vehicle, or medical assistance.

Can I get single-trip European motorcycle breakdown cover?

Adding European motorcycle breakdown cover extends your recovery area to the European continent, making it a good choice for when travelling abroad with your motorbike. Remember to check the details of your policy so you know which countries and breakdown scenarios are covered. 

You can buy single-trip European breakdown cover for your motorbike as a one-off policy, think of it as motorcycle travel insurance, or you can upgrade your existing motorbike breakdown policy to include European cover.

What are common exclusions for motorbike breakdown cover?

Breakdown cover for your motorbike can vary between providers, however, common exclusions include:

  • If your motorbike breaks down on private land – this is because your breakdown provider may not be able to reach you or might not have permission to access private property.
  • If you’re involved in a road accident – your breakdown provider may not be able to reach you while the emergency services are handling the incident. Some breakdown cover also excludes the recovery of your motorbike following an accident.
  • Maintenance issues – it’s your responsibility to keep your bike in good condition. If your bike breaks down because of poor maintenance, such as unchanged oil or a flat tyre, you might not be covered. This includes regular servicing and a valid MOT.

As with any type of policy, read the terms and conditions before you buy so you know exactly what’s covered and what’s not.

Why compare motorcycle breakdown cover with Compare the Market?

There are lots of providers out there offering different levels of breakdown cover for motorbikes. Some are more expensive than others, but cheap motorbike breakdown cover might not provide the right level of protection for you.

As well as looking at price, it’s a good idea to factor in the excess you’d have to pay if you needed a call out and the limitations of the policy.

Comparing breakdown cover with Compare the Market is easy. And many of the policies you can compare with us don’t have an excess charge. Just fill in your details and you’ll get a list of motorbike breakdown quotes from our panel of providers.

What do I need to get a quote?

To get a quote, just give us some basic information including:

  • your personal details
  • your bike registration (which can tell us the age, make and model of your bike)
  • the type of cover you want

We’ll then send you a list of suitable quotes to compare.

Author image Julie Daniels

What our expert says...

“Some breakdown providers offer cover for both your car and motorbike on one joint policy. Depending on your requirements, it can often work out cheaper than buying two individual policies. Compare both separate and joint policies to see which would be a more cost-effective option.”

- Julie Daniels, Motor insurance expert

Why use Compare the Market?

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[1] Correct as of December, 2022.
[2] As of January 2023 Compare the Market had an average rating of 4.8 out of 5 from 23,670 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’. 

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Frequently asked questions

Will I already have breakdown cover with my motorbike insurance?

Some insurance providers offer motorcycle breakdown cover as part of their policy, while others can include it as an optional extra. If you didn’t take out motorbike breakdown cover when you bought your bike insurance, it’s pretty easy to buy on its own. Why not see what’s available with a breakdown insurance quote?

Can I get breakdown cover for a moped or scooter?

Yes, you can. Motorcycle breakdown cover also applies to mopeds and scooters.

How much does motorcycle breakdown cover cost?

The cost of breakdown cover for your motorbike depends on the level of cover you choose. For example, comprehensive cover that includes home start and nationwide recovery will typically be more expensive than a basic roadside assistance policy.

The cost could also be affected by:

  • the number of bikes you want to cover – covering multiple bikes could increase your premium. However, it might still work out cheaper than buying separate policies for each bike.
  • the age of your bike – older bikes are usually more expensive to cover.
  • how powerful your bike is – some providers might charge more depending on the make and engine size of your bike. Premiums are often higher for more expensive and powerful models.

What happens if I don’t have breakdown cover?

If you don’t have motorbike breakdown cover and things go wrong, you might need to call around to find a willing friend or local garage to collect you. This could involve a hefty fee and you might have to find alternative transport to continue your journey.

What should I do if my motorbike breaks down on the road?

Breaking down mid-journey can be hazardous for motorcyclists, especially in bad weather. The most important thing is to ensure you stay safe if you break down.

  1. Find a safe spot to pull over – signal to warn other road users that you have a problem.
  2. Turn on your hazard lights and switch off the engine.
  3. Hop off your bike and use a breakdown warning triangle if you have one and it’s safe to do so.
  4. Ensure you’re visible to other road users. It’s advisable to always wear reflective gear when riding a motorbike – or at least have a high-visibility vest as part of your bike’s breakdown kit.
  5. Get yourself away from the roadside, either on a grass verge or behind a barrier.
  6. Call your breakdown provider and stay near your bike until help arrives.

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