Breakdown and accident recovery for bikes

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.

Originally Posted by 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.

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?

Originally Posted by Paul the 6th

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]

Originally Posted by 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.

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

Originally Posted by -Ralph-

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

Originally Posted by -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.

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.