Motorcycle Breakdown Cover

SALE! 50% off motorcycle breakdown cover*

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*New customers only. 50% saving applies to Extra and Complete cover for 1 vehicle or 1 person. Ends 30/11/23, 7am.

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 motorbike recovery if we can’t fix you at the roadside. So you don’t need to worry about getting specialist cover.

If you’re heading to Europe, we also offer European motorcycle breakdown cover for motorbikes over 125cc.

Taxi Icon

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

Motorbike icon

No matter who’s riding

With vehicle cover, your motorbike is covered even if someone else is riding

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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.

*New customers only. 50% saving applies to Extra and Complete cover for 1 vehicle or 1 person. Ends 30/11/23, 7am.
Prices above are for single, vehicle-based cover.

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 van.2

This is ideal if you ride more than one motorbike, or if you want joint car and motorbike cover.


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 motorcycle? Get a hire car or alternative transport while yours is in the garage.

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 rescue. Lines are open 24 hours a day, seven days a week.

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 motorcycle 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.

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.

Join the RAC now for complete peace of mind


The cheapest level of motorcycle breakdown cover starts from £6.25 a month, which is our Extra cover. Exactly how much your breakdown cover costs depends on:
  • The level of cover you choose – Basic, Extra or Complete
  • The type of cover you choose – personal cover usually costs more than vehicle cover
  • Whether you need add-ons – like Onward Travel, Key Replace or Battery Replace
Q. Am I covered if I’m riding pillion?
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.
Q. Can you recover my motorcycle?
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.
Q. What if I use my motorbike for business?
If you use your motorbike for business – as courier, perhaps – you might need RAC Business Breakdown Cover.
Q. Will my moped or scooter be covered with motorbike 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.
Q. Am I covered in Europe?
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 49 different countries, with flexible pricing, so you can tailor your cover exactly to your trip if you like.
Q. Can you get motorcycle breakdown cover?
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.
Q. Am I covered for electronic pavement vehicles under motorbike cover?
We don’t cover electronic pavement vehicles, electric wheelchairs or electric bikes, or any vehicles below 49cc.
Q. Are motorbike parts covered?
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.
Q. Can I add a motorbike to my current breakdown policy?
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).
Q. What should I do if my motorbike breaks down on the road?

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.

Find out more

About breakdown cover

Find all the information you need to have a better understanding of the different levels of cover that the RAC have on offer.


Many vehicle breakdowns happen at home – but with RAC At Home Cover you can get on with your day quickly again.


If your vehicle breaks down miles away from home, national recovery cover from the RAC could prove invaluable – find out more here.


If your vehicle cannot be fixed at the side of the road, our vehicle recovery service will transport it to either a garage or back to your home address.


If your vehicles in the garage after a breakdown, RAC’s Onward Travel helps you keep moving. We’ll pay for hire care for up to 3 days, overnight accommodations or alternative transport.


Vehicle breakdown cover can be a great value option if you’re looking for cheap breakdown cover – this guide from the RAC looks at the benefits of it.


Personal breakdown cover can give you peace of mind in whatever vehicle you’re driving or travelling in as a passenger, as this guide from the RAC explains.


Before buying breakdown cover, it’s useful to read reviews. Check out the RAC’s score on Trustpilot.


Find the answers to a range of breakdown related questions covering both UK, European and Business breakdown cover.

Compare breakdown

Compare breakdown cover from the RAC and other providers to help you understand the differences in service, coverage, optional extras and reliability.


This guide compares the RAC, one of the UK’s major breakdown cover companies, with AA, to see how it compares for level of cover, pricing and customer reviews.


This guide compares the RAC, one of the UK’s major breakdown cover companies, with Green Flag, to see how it compares for level of cover, pricing and customer reviews.


The RAC and Rescuemycar are both UK car breakdown providers, but how do their levels of cover, prices and customer reviews compare?


The RAC is one of the UK’s leading providers of breakdown cover and vehicle recovery, but how does it compare to StartRescue?


This guide compares the RAC, one of the UK’s major breakdown cover companies, with Emergency Assist, to see how it compares for level of cover and pricing.


How does the RAC compare with Direct Line, when it comes to providing breakdown cover services? This guide takes a look at prices, level of cover and customer reviews.


If you’re searching for the best breakdown cover deal, using a comparison service can really help – here are some useful tips to consider before you start your search.


Find out what the RAC offers that the AA and Green Flag don't.

We also cover

Keep your business moving with tailored breakdown assistance for 1 to 100+ vehicles.


The Camping and Caravanning Club's breakdown and recovery scheme provided by RAC.


RAC European Breakdown Cover provides you with peace of mind and single-trip or annual cover you can rely on during your holidays.


Motorbike insurance UK from the RAC, bringing competitive motorcycle insurance quotes online with the optional extra of motorbike breakdown cover for your quote.


If you’re planning on driving in France, then you need to be prepared – here’s the RAC guide to European breakdown cover and rules of the road.


If you’re driving in Germany, it’s important that you have European breakdown cover in place to provide roadside recovery and assistance should you need it.


Before driving in Spain, prepare properly by understanding the road rules, checking your vehicle and arranging the right level of breakdown cover.


If you’re planning on driving in Italy, then you need to be prepared – here’s the RAC guide to European breakdown cover and rules of the road.


If you’re planning on driving in the Republic of Ireland, then you need to be prepared – here’s our guide to European breakdown cover.

Motorbike help & advice

Put the wrong fuel in your car? Don't panic. Call us now for our fuel drain service.


If you’re new to motorcycling, the confusing world of motorcycles may be unfamiliar to you.

Motorbikes come with their own unique safety concerns, which are essential to know before you go out on the road. Learn more about these with the RAC.

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Important Information:

*50% off terms and conditions:

  1. 50% saving applies to single-vehicle and single-personal based cover on a fixed 12 month plan.
  2. Discounts on cover for multiple vehicles and people vary.
  3. New customers only. Not available to members amending or renewing an existing policy or on purchases during a breakdown situation.
  4. Excludes Basic cover, Key Replace, Battery Replace, Tyre Replace, Onward Travel and European Rescue.
  5. You must purchase RAC Breakdown Cover online direct before 30/11/23, 7am.

Free MOT terms and conditions:

  1. The promotion is for one free MOT (up to the statutory maximum fee of £54.85) and is available to new customers purchasing Complete cover.
  2. You must purchase RAC Breakdown Cover online direct by visiting or by calling us on 0330 159 0382.
  3. Not available to members amending or renewing an existing policy or on purchases during a breakdown situation.
  4. Each MOT can only be redeemed per unique voucher code.
  5. This offer will be fulfilled on behalf of RAC by a third party (Who Can Fix My Car).
  6. You must keep your RAC Breakdown Cover for 12 months in order to be eligible for this offer. We reserve the right to recover the cost of the MOT if this condition is not complied with.
  7. Providing your payments are up to date and you haven’t cancelled your cover you'll receive an email within 15 working days after your policy starts containing your unique voucher code and details on how to book your free MOT.
  8. You will then have a further 12 months from the date of this email to book your MOT. After this date the offer will be deemed to have expired and cannot be reissued.
  9. You will need to provide a printed copy, or show the email containing the unique voucher codes and the RAC membership number to the garage on the day of the MOT.
  10. The free MOT can only be redeemed at RAC Approved Garages bookable via the WhoCanFixMyCar platform. To find your nearest RAC Approved Garage click here.
  11. Please note that not all RAC Approved Garages are able to offer MOT's for motorbikes.
  12. Offer may be withdrawn at any time.
  13. No cash or other alternatives available.

The RAC will seek to recoup the cost of recovery from your insurer/3rd party insurer. You may be asked to pay if this isn’t possible.

2There are certain restrictions to the types of vehicles that can be covered. Please head to our vehicle eligibility page for more information on this.

Breakdown cover arranged and administered by RAC Financial Services Limited (Registered No 05171817) and provided by RAC Motoring Services (Registered No 01424399) and/or RAC Insurance Ltd (Registered No 2355834). Registered in England and Wales at RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services and RAC Financial Services Limited are authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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