If your bike breaks down, motorbike insurance alone won’t cover you for roadside assistance. For that, you’ll need a specialist motorbike breakdown policy.
Whether it’s a mechanical problem, an electrical fault, or another issue, RAC breakdown cover is there to help get you back on the road, wherever you are.
And if roadside repairs aren’t possible, the RAC will transport you, your passenger and your bike to a location of your choice, including home or a garage.
Motorbike breakdown cover options from RAC
Roadside cover £39.99 per year*
Roadside cover only provides assistance if you break down more than a ¼ of a mile away from home. A taxi fare up to 20 miles is also provided if your bike can’t be fixed immediately, and a tow of up to 10 miles.
Recovery cover £69.99 per year*
Recovery cover offers the same assistance Roadside cover, but also includes national recovery, meaning the RAC will recovery your motorcycle to a local garage or a single destination anywhere in the UK.
At Home cover £74.99 per year*
Not all breakdowns happen on the road. If your bike won’t start at home, or you break down within a ¼ of a mile of your address, At Home cover means you can still call for assistance. This option can ensure you’re covered from the moment you plan to set off.
Onward Travel & European breakdown cover £95.99 per year*
If you travel long distances on your bike, Onward Travel Plus EU provides breakdown assistance if you’re at home or more than a ¼ of a mile away from home, as well as a replacement bike for up to 2 days whilst your bike is being repaired.
If your bike can’t be repaired, you’ll be supported with an alternate form of transport, or accommodation if you’re stuck.
If you break down and you’re on your way to somewhere abroad, or while you’re abroad, attempts will be made to fix your bike at the roadside. If that’s not possible, it’ll be taken to a local garage and fixed there. Again, if this isn’t possible, alternative transport or overnight accommodation can be arranged.
*prices include IPT (insurance premium tax) and are correct as of February 2026
**Data provided by RAC. Correct as of March 2026
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectives, excesses and endorsements.
The types of bikes we can cover
Whatever bike you own, we can likely cover it. We currently offer RAC breakdown cover policies for:
- Motorcycles (standard and high-performance models)
- Scooters
- Mopeds
- Off-road motorbikes
- Classic and vintage motorcycles
Keep in mind the motorbike engine must be 49cc or over, which means small mopeds and scooters might not be covered.
How can I add RAC Breakdown Cover to my motorcycle insurance policy?
Adding RAC Motorcycle Breakdown Cover is straightforward with Devitt. Get in touch with our friendly, UK-based customer support team, and we’ll talk you through your options, answer any questions, and then you can choose the level of cover that suits you.
What should I do if my motorbike breaks down on the road?
Are pillion passengers covered by RAC motorcycle breakdown policies?
Cover for pillion passengers depends on the level of RAC breakdown cover you choose. With Recovery Cover, you and your passenger can be transported to a destination of your choice within the UK, if your bike can’t be repaired at the roadside.
Does motorcycle breakdown cover include punctures?
Yes, motorcycle breakdown cover includes punctures and other tyre damage. If you experience a tyre issue, contact RAC as soon as possible. In most cases, they can repair the tyre at the roadside and get you back on your way.
Will my moped or scooter be covered by RAC motorbike breakdown cover?
Mopeds and scooters with an engine size above 49cc can usually be covered under RAC motorbike breakdown policies. To check your eligibility and find the right level of cover for your vehicle, get in touch for a quote or more information.
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