Motorcycle breakdown cover
When it comes to finding the best motorbike breakdown cover, we’ve got you sorted. Whether it’s a battery issue or a mechanical fault, you can feel reassured that help is at hand 24/7. At the RAC, we offer the same bike breakdown cover for motorcycles, mopeds and scooters. And that includes motorcycle recovery if we can’t fix you at the roadside. So you don’t need to worry about getting specialist cover.
20-mile taxi from the garage
Following a breakdown, if you’re taken to a garage, we’ll reimburse you for a taxi home up to 20 miles
No matter who’s riding
With vehicle cover, your motorbike is covered even if someone else is riding
Cover for any eligible vehicle
When choosing personal cover, you’re covered in any eligible bike or car, as a driver or passenger
Levels of motorcycle breakdown cover
Compare motorbike breakdown cover options with the RAC. With a choice of ‘Basic’, ‘Extra’ or ‘Complete’ – plus a range of extras – it’s easy to find the right cover for you.
Have peace of mind during any motorbike breakdown recovery, knowing you're protected no matter where your journey takes you.
Basic
From £5.49 a month*
Extra
From £8.99 a month*
Complete
From £10.53 a month*
*Prices above are for single vehicle-based cover. At least 10% of new customers paid this or less since 12/08. Comparison based on theaa.com closest equivalent cover at 10/12.
What vehicles are included in motorcycle breakdown cover?
We offer motorcycle breakdown cover for any eligible motorbike, moped or scooter. All we ask is that the engine is 49cc or over – so very small mopeds and scooters might not be covered.
Just so you know, we don’t offer any breakdown cover for electric pavement vehicles, electric wheelchairs, electric bikes, push bikes or any vehicle that isn’t road legal.
What types of motorbike breakdown cover are there?
As with our other cover, there are two types of motorbike breakdown cover to choose from: vehicle or personal cover. Here are the differences between the two.
Vehicle Motorcycle Cover
This type of cover applies to a specific motorbike. So it doesn’t matter who’s riding it when it breaks down, it will still be covered regardless.
This type of cover is ideal if you only have one motorbike in your household, and more than one person rides it.
Personal Motorcycle Cover
Personal cover means you’re covered on any eligible motorbike over 125cc as driver or passenger. For example, you’ll be covered when riding your own motorbike and when riding pillion on someone else’s. You’ll also be covered in any other eligible vehicle you drive, like a car or a van1.
This is ideal if you ride more than one motorbike, or if you want joint car and motorbike cover.
Motorcycle recovery
If we can’t fix your bike by the roadside, we’ll give you a 10-mile tow as standard. So you can get to the nearest garage, for repairs, or back home if you’re close. And with Complete cover, you’ll get unlimited motorcycle recovery – so we can tow you anywhere in the UK.
What do I do if I break down but don’t have motorcycle breakdown cover?
We always advise you to have motorcycle breakdown cover, but we understand there might be times you don’t. The RAC offers motorbike roadside assistance and recovery even if you don’t have breakdown cover with us. Just head over to our ‘broken down’ page to report your breakdown, and we’ll rescue you. Just be aware that you may be charged an emergency call out fee.
European motorcycle breakdown cover
If you ride your motorbike in Europe, you’ll need to buy European motorcycle breakdown cover. You’ll need to take this out in addition to your UK breakdown cover. And it’s only available for motorbikes, scooters and mopeds over 125cc.
With the RAC, you can choose between a single-trip or an annual policy depending on how often you travel to Europe. You can also get motorcycle breakdown cover in up to 49 different countries. So wherever you venture, you’ll be covered. Call us today on 0330 332 8302.
Compare motorbike breakdown cover
When looking at motorbike breakdown cover, it’s a good idea to compare different companies and cover levels. That way, you can make sure you get the right cover for you.
Here’s a quick comparison of our breakdown cover for motorcycles compared to the AA and Green Flag.
RAC
AA
Green Flag
20-mile taxi from the garage with all cover levels^^
Large uniformed patrol fleet
^^Following a breakdown, if you’re taken to a garage, we’ll reimburse you for a taxi home up to 20 miles.
Additional motorcycle breakdown cover
For more reassurance, you can add extras to your breakdown cover
Onward Travel
Can’t do without your car? Get a hire car while yours is in the garage with Onward Travel.
Battery Replace
Get a new battery if we can't recharge yours — saving you £160 on average.
Key Replace
Lost your car keys? We'll replace them, saving you £300 on average.
As part of your motorcycle roadside assistance, you’ll also have support from our Accident Care team. So if you’re involved in an accident, just call 0333 2000 999 and we’ll come to your rescue2. Lines are open 24 hours a day, seven days a week.
How we give you more
Our patrols fix 4/5 on the spot
We fix most vehicles on the spot. And repairs are done in just 30 minutes on average.
Get cover to suit you
We’ve got the right motorcycle breakdown cover to suit you, with a choice of cover levels and add-ons.
5* Defaqto Rating
Our Complete cover with Onward Travel is rated 5 stars by Defaqto.
FAQs
Our cheapest level of motorcycle breakdown cover is our Basic cover. But our breakdown cover prices are tailored to you, so you might get a cheaper price based on your personal details.
How much your breakdown cover costs depends on:
- The level of cover you choose – Basic, Extra or Complete
- The type of car you own and where you live
- How many vehicles or people you cover – the more you add, the more it will cost
- Whether you need add-ons – like Onward Travel, Key Replace, Battery Replace or Tyre Replace
This depends on your level of motorbike breakdown cover. If you’ve taken out personal breakdown cover, you’re covered on whatever motorbike you’re riding, or riding pillion on.
We’re happy to cover modified bikes but it’s always worth contacting us to discuss your options first if you’re not sure. Our motorbike insurance covers classic bikes and supersport models so our motorbike breakdown usually supports this.
Yes, we can. We always aim to fix your motorbike at the roadside. But if we can’t, we can recover and tow it. The destination depends on your level of motorbike cover.
If you use your motorbike for business reasons (such as a courier) – you might need RAC Business Breakdown Cover.
Yes, you will be able to cover your scooter or moped on the same policy as your motorbike if you take out vehicle breakdown cover. This type of policy will allow you to cover up to three different vehicles at the same time and will provide you with complete peace of mind in whichever one you’re driving in.
Not automatically – don’t assume your UK breakdown cover applies when riding your motorbike in Europe. The good news is that we offer European breakdown cover for motorbikes over 125cc, and provide assistance in 48 different countries, with flexible pricing, so you can tailor your cover exactly to your trip if you like.
At the RAC, we offer cover for motorcycles, mopeds and scooters above 49cc as part of our standard cover. And if you also drive a car or van, you can get cover for any eligible vehicle2, including your bike, under our personal cover. So you don’t need to worry about getting separate specialist cover for your motorcycle.
We don’t cover electronic pavement vehicles, electric wheelchairs or electric bikes, or any vehicles below 49cc.
Motorbike parts aren’t covered under our standard breakdown cover. If we have the spare parts to get you going again, we’ll fit them for free, but you may have to pay for the cost of the parts themselves.
If you have RAC motorbike insurance, your bike, accessories, and spare parts are covered if they're damaged in an accident or stolen.
Yes. If you have vehicle cover, you can add up to 2 more vehicles to your policy, including motorbikes. If you have personal cover, you’re already covered as a driver or passenger in any vehicle, so you’re already covered on your motorbike (as long as it’s above 49cc).
If you have you already have cover, the quickest way to get help is online, or through the MyRAC app. Or call us on 0333 2000 999.
If you aren’t an RAC member, we can still help. Just call 0330 159 8743.
Motorbike insurance doesn't usually cover breakdowns. Although, some insurers may offer it as an add-on. Make sure to get breakdown cover to stay protected on the road.
Page reviewed by: Andy Baker