Breakdown and accident recovery for bikes

[Paul the 6th]

Can anyone recommend decent breakdown AND accident recovery (nationwide) please? Since transferring my policy from gsx-r to KTM, it has come to light that my insurance policy doesn't have any recovery with it...

Just been looking on comparison sites but they seem to be angled towards cars and don't say anything about accident recovery.

ta

[454697819]

Yes.. call rescue my bike (nci rescue) and buy break down with optional plus.. the optional plus recovers you in the event of an accident

[Owenski]

Thats dog poo!
adds less than £30 to my premium to inc breakdown.

cant reccomend anyone for you tho stud sorry.

[timwilky]

As I keep saying and as Alex obviously knows, before you get breakdown cover, read the small print. Do you want to be stuck 100 miles from home and nobody will come out because you have dropped your bike.

Make sure your recovery DOES include recovery as a result of an road traffic accident.

[beabert]

As I keep saying and as Alex obviously knows, before you get breakdown cover, read the small print. Do you want to be stuck 100 miles from home and nobody will come out because you have dropped your bike.

Make sure your recovery DOES include recovery as a result of an road traffic accident.

+1 Many dont include it, even the policies with onward travel.

[Paul the 6th]

Make sure your recovery DOES include recovery as a result of an road traffic accident.


Thanks for the tip tim :) it's exactly the reason why I asked for recommendations on "breakdown AND accident recovery" :razz:

I'll give nci a shout cheers alex :D It always has been included on my insurance policy but I asked if it was still included when I transferred from gsx-r to ktm last week, the guy said "you don't have breakdown cover on this policy?" - I explained that I had been recovered in april with a flat tyre on my gsx-r but then instantly remembered the phone call at the side of the road going along the lines of "Sorry mr. 6th, there doesn't appear to be any breakdown cover on your policy but because the policy is only a week old it could be that the breakdown cover hasnt been set up yet... If it turns out that you're not covered are you happy to pay the bill?" y6eah no problem, just get me to the tyre shop 3 miles down the road please (which is where I was heading anyway!)... never received a bill from my insurers or AA. :-({|=

Hence I'm in the market for some cover :)

[dyzio]

I'm insured with MCD, I asked about recovery when buying the policy. About £50 per year, got recovered twice. Once with a puncture (by an AA van)and second time when someone reversed into the bike (by some local recovery firm).

[Dave20046]

nci iz de best


...and when you buy a policy with them please say I recommended you and i'll gets me a fiver...

[Bibio]

personal brakedown/accident recovery for the mrs and me with Aviva. any vehicle, any driver and recovered to my choice of destination e.g. home/vehicle owners home or garage. its not cheep but worth it for the security for mrs b. think i pay about £160 or there abouts. used it once and they were there within 15mins.

[Holdup]

I got some AA breakdown cover, whole family has £20 per person and it covers you for any vechicle you might be in / on so my bike and car are covered and for example if i was in my mates car and it broke down, i can get it recovered :D

[beabert]

Another vote for NCI, was recovery once perfectly, as thingy said, ask for the accident recovery on top.

[Paul the 6th]

yeah I looked into 'personal breakdown cover' where they come and recover you AND whatever vehicle you're with AND whoever you're with. All sounds lovely but my car is covered on my car insurance so I'd be paying £160 primarily for me and the bike, but then anyone else who I travel with... compared to paying around £60-£80 to cover the bike with national, accident, onward etc.

[-Ralph-]

As I keep saying and as Alex obviously knows, before you get breakdown cover, read the small print. Do you want to be stuck 100 miles from home and nobody will come out because you have dropped your bike.

Make sure your recovery DOES include recovery as a result of an road traffic accident.

If you crash the police will arrange recovery of the bike and you or your insurance will pay the resulting charges, or you can just call a local recovery agent and pay them, and most of the recovery providers such as the AA or the RAC will come out to an accident, but they'll charge you, so there is no absolute need to have this type of cover, so long as you know that if you crash it may cost you if the bike is not ridable.

[Paul the 6th]

is that even if the police don't have to attend ralph?

[-Ralph-]

is that even if the police don't have to attend ralph?

Don't know, I would imagine so, but you can always call them yourself, and there are always the other options if the police can't help.

[Dave20046]

yeah I looked into 'personal breakdown cover' where they come and recover you AND whatever vehicle you're with AND whoever you're with. All sounds lovely but my car is covered on my car insurance so I'd be paying £160 primarily for me and the bike, but then anyone else who I travel with... compared to paying around £60-£80 to cover the bike with national, accident, onward etc.
sounds a bit steep I just renewed £60 for the top personal breakdown & accident cover +homestart from NCI with the SV listed as my newest vehicle - I would have thought the newer the vehicles you have the marginally cheaperer it gets

[petevtwin650]

If you crash the police will arrange recovery of the bike and you or your insurance will pay the resulting charges, or you can just call a local recovery agent and pay them, so there is no absolute need to have this type of cover, so long as you know that if you crash it may cost you.

That's assuming the police are involved or you want to claim on your insurance. What if you drop the bike and break the levers? Not a breakdown as far as the AA, for example, are concerned, but could be difficult, if not downright dangerous, and illegal to get the bike home for some.

[Paul the 6th]

moist cheers dave, will ring NCI tomorrow (watch it I'll break down on the way home this evening in the rain and hurricane!)

[Dave20046]

remember to tell them I recommended you! I'm skint I tell thee

[petevtwin650]

Don't know, I would imagine so, but you can always call them yourself, and there are always the other options if the police can't help.

Let's see, 100 miles from home, it's Sunday, raining, getting dark and you have some sort of accident. The police aren't interested, who do you call? Certainly not Ghostbusters! Lol. I know you've sorted yourself out without the aid of recovery insurance, but to me it's a false economy and gives such peace of mind.

[-Ralph-]

That's assuming the police are involved or you want to claim on your insurance. What if you drop the bike and break the levers? Not a breakdown as far as the AA, for example, are concerned, but could be difficult, if not downright dangerous, and illegal to get the bike home for some.

Police being involved already covered above. I said either you or your insurance will pay for the recovery. Just 'cos you get recovered by a police arranged recovery agent, that doesn't mean you have to claim on your insurance.

Or there are still the other options, pay the AA to come out or call a local recovery agent.

There isn't a broken lever on my bike that would stop me riding it BTW. Two broken levers may be an issue.

[-Ralph-]

Let's see, 100 miles from home, it's Sunday, raining, getting dark and you have some sort of accident. The police aren't interested, who do you call? Certainly not Ghostbusters! Lol. I know you've sorted yourself out without the aid of recovery insurance, but to me it's a false economy and gives such peace of mind.

The local 24 hour recovery company that operates 100 miles from your home, of whom the men with moustaches can probably find 10 of for you. There's even one in most small Scottish highland towns. Do you know anybody who has ever slept on a grass verge overnight 'cos they couldn't find a recovery agent?

Whether you want peace of mind is up to you, but...

there is no absolute need to have this type of cover

I wish people would read the posts properly. I wasn't advising against buying it, it was stating that it's not a categorical necessity.

[Paul the 6th]

get him ralph!

Lol everyone's a bit tired from the cold and wind. I'll give nci a call - I just don't want to sleep on a verge in scotland, but I can't afford to over-insure against breakdowns either :)

[-Ralph-]

How on earth do people not named Ewan or Charley, ever manage to ride motorbikes to Mongolia? :rolleyes:

[-Ralph-]

I just don't want to sleep on a verge in scotland

Having said that, if you were wearing waterproof motorbike textiles, it'd probably be quite warm and comfy. Who needs a bivvy bag? :p ;)

[Paul the 6th]

But Ewan & charley had bivi bags? :(

[collis]

I once used the breakdown recovery when some scrot tried to steal one of my bikes, they cut the ignition wires thinking they could hot wire it then ****ed off.

Breakdown service came out fixed the ignition with in-line cable splices and off i went, nothing paid for something that technically i wasn't covered for.
Sometimes, it how you word the incident, if you drop your bike in the middle of nowhere and need recovering, say that you got a flat tyre its not an accident then, the recovery company that attends will get paid regardless and you get home.
Win-win.

Or at least that's what i'll be doing.
If it's an accident that's 100% not my fault i'll be claiming for the world so i'll get the breakdown company to charge the other persons insurance accordingly.

[454697819]

get him ralph!

Lol everyone's a bit tired from the cold and wind. I'll give nci a call - I just don't want to sleep on a verge in scotland, but I can't afford to over-insure against breakdowns either :)

NCI is flippin cheap, plus you can add euro cover and holiday cover if you go trekking on your bike,

Most holiday insurances DO NOT COVER BIKES ABOVE 50CC!

[Dave20046]

, if you drop your bike in the middle of nowhere and need recovering, say that you got a flat tyre .

Not if you're with the AA! We rang and said we found the bike parked up with a flat and they said they don't cover against vandalism :confused:
However greenflag happily picked up the bike with a faulty (snapped) clutch (lever)....

Regarding the accident cover I think it is a good idea if it's a negligible amount more (free with NCI so no sweat), if you've come off badly and you're not in a state to ring the men with moustaches it's way to easy for the bike to get left behind or 'recovered' by scrotes - which isn't uncommon at all. That said if you're with people they can drag your bike out of the road lock it up and make sure you get to hospital . Like any insurance you just have to weigh up the price vs. risk

[petevtwin650]

The local 24 hour recovery company that operates 100 miles from your home, of whom the men with moustaches can probably find 10 of for you. There's even one in most small Scottish highland towns. Do you know anybody who has ever slept on a grass verge overnight 'cos they couldn't find a recovery agent?

Whether you want peace of mind is up to you, but...


Sorry should have said that mobile phone battery is low, so possibly not a chance of ringing 118 118 then trying ten numbers all of whom are on ansaphone. I really can't believe anybody considers 50/60 quid a year is worth saving for all the hassle it could be.

How on earth do people not named Ewan or Charley, ever manage to ride motorbikes to Mongolia? :rolleyes:

Did not Charley and Ewan have a bl00dy great BMW X5 full of spares following them?



There isn't a broken lever on my bike that would stop me riding it BTW. Two broken levers may be an issue.

This is a story of a guy who after having his bike fall on a scooter and damaging the levers, rode home. Got stopped on the way home and got a prohibition order, which means he can't use the bike until he get's it re-moted.

http://www.ducatisti.co.uk/forum/duc...bike-over.html

[Paul the 6th]

yeah but he was on a ducati so he clearly deserved it pete :razz:

I'm gonna get cover just incase. And now that you've mentioned the low battery on the mobile phone I'm gonna hurry up and fit my cigarette socket sharpish! Is there anything else I should be worried about?

(some previous owner bastid has removed the ktm tool kit so I'm on the prowl for one of them.. in the meantime I've filled my top box with sockets, screwdrivers and multitools :razz:)

[collis]

Sorry should have said that mobile phone battery is low, so possibly not a chance of ringing 118 118 then trying ten numbers all of whom are on ansaphone. I really can't believe anybody considers 50/60 quid a year is worth saving for all the hassle it could be.

I must admit, i'm currently waiting to get paid so that I can sort out cover for the car AND bike with NCI (rescuemycar.com) for both me and my partner (not that she will EVER ride the bike due to having no license to start with).
It's between £50-60 and it's cheeper than the take you to a garage in the middle of no-where option that bennets and tesco are offering for each policy.

[-Ralph-]

Sorry should have said that mobile phone battery is low, so possibly not a chance of ringing 118 118 then trying ten numbers all of whom are on ansaphone.

You had better check that your health insurance covers foot and mouth, just in case the field you end up in contains animals.

I really can't believe anybody considers 50/60 quid a year is worth saving for all the hassle it could be.

I must be a bit fick then, even though I use NCI, though it wasn't chosen because it includes accident cover, it was chosen for it's European cover.

This is the only policy I've ever had that had included it, but I've never had a policy where I couldn't phone up and pay an extra £200 to be recovered after an accident, and those organisations are never on answerphone.

So if we accept that most big recovery organisations charge you 50-60 quid extra to cover accidents, in the last 5 years that I have never needed it, I've saved myself 250-300 quid. Oh shucks, I've saved more than it would have cost me to pay the extra if I did need it tomorrow, what a firking c0ck up that was!

Did not Charley and Ewan have a bl00dy great BMW X5 full of spares following them?

How on earth do people not named Ewan or Charley, ever manage to ride motorbikes to Mongolia? :rolleyes:

You're not reading posts again Pete :rolleyes:

[Lissa]

You had better check that your health insurance covers foot and mouth, just in case the field you end up in contains animals.



I must be a bit fick then, even though I use NCI, though it wasn't chosen because it includes accident cover, it was chosen for it's European cover.

Some people don't even think breakdown insurance is necessary, so they must be even ficker (though if you do ride-outs get some, because other people will make it their problem when you break down).





You're not reading posts again Pete :rolleyes:

Jeez, Ralph, wrong time of month? :rolleyes:

If you don't want to spend money on cover, fine, but we don't want to worry about having to find the money to get us home should we be unfortunate enough to need to be recovered.

[-Ralph-]

Jeez, Ralph, wrong time of month? :rolleyes:

If you don't want to spend money on cover, fine, but we don't want to worry about having to find the money to get us home should we be unfortunate enough to need to be recovered.

Read above, edited since you posted. The money I've saved by not adding it to my AA policy over the last 5 years, is enough to cover the cost of it buying it after the accident if I needed to.

I can absolutely understand if 50 or 60 quid a year is less troublesome for you than finding a bigger chunk of money in an emergency, but like I already said if you need piece of mind, go buy the insurance.

I don't feel I need it, but Pete keeps trying to convince us all that we do.

Lets face it, until recently when the likes of NCI came along, nobody had it on their standard AA/RAC/Green Flag policies, and everyone managed then and is still riding a bike.