Slightly off topic, but do you have any other recovery cover, the fact they recover at all is a bonus as I thought they just offered warranty, but recovery to a nearby dealer is not always enough, if the fault cannot be fixed quickly or no dealers are open your buggered.
I have the BMW warranty, but would not rely on the breakdown, not even sure of cover as over 3 months after buying the bike the warranty documents have still not arrived (they have run out - and still not printed any more FFS)
I understand I can take out the warranty from BMW without the recovery next time around which is handy.
My main concern is the level of breakdown cover, I know many people just get the cheapest they can and say "I am covered", however there is often a big difference, this is what I need cover for, especially in Europe.
1. Breakdown:
a. Roadside assistance & recovery to garage
b. Loan Vehicle if repairs will take more than 1 day
c. Return of vehicle if it cannot be repaired by my return date
Most policies cover a, but many do not cover b or c which could mean you spend a week waiting for Pedro's ped shop to fix your bike and then end up pushing it home yourself when he is still busy having a siesta and telling you "Maniana, Maniana".
Many polices only provide roadside assistance, and some even exclude punctures - not helpful if your 3 hours from home at 5.00pm on a Sunday afternoon with a knackered bike that cannot be fixed roadside, and much worse if your in a foreign land and do not speak the lingo.
2. Accident cover
a. Roadside assistance and recovery after and accident
b. Loan vehicle as above
c. Repatriation of bike if it cannot be repaired.
Some "breakdown" polices are just that, if you drop your bike and break something so it is unrideable you are out of luck entirely. Again potentially a big problem if your abroad.
3. Driver Cover
a. What happens if I cannot ride the bike for some reason, it may be I do something silly like breaking my Ankle whilst walking about, or get some illness that prevents me from riding.
Again many polices will not cater for this and a drunken fall / wrist break means you now have to push your bike back from the Stelvio with a broken wrist.
Decent policies also pay towards Hotels if you need to wait for repairs, but this is only if you have pre-booked accomodation that you now cannot reach - a shame as otherwise you could drive to the South of France, engineer some sort of fault that requires a cheap part that will take a week to arrive and get your Hotel paid for.
Carole Nash seem to cover all of this from what I read in the policy, I have also checled with the RAC and they do the same (but want £99 a year on top of standard policy, or £65 for a fortnights cover - less 20% discount as I am a member which comes out at a reasonable £52)
About to renew my insurance so have been getting quotes today. It is easy to get a good quote, getting good cover at a good price is the goal.
