Roadside assistance could come in handy if your motorcycle breaks down on the side of the road. Ideal for road trips or daily riders, towing coverage protects your trip from popped tires, dead batteries and more — for about $2 a month.
How does motorcycle towing insurance work?
Towing and roadside assistance coverage works differently from other insurance coverage. Rather than filing a formal claim, you simply call your emergency roadside number to receive assistance.
Your insurance company usually sends out a tow truck to help you reach the nearest service shop. Most policies cover towing to the nearest repair shop up to a specified distance. If you exceed that distance, you may be charged a fee per mile.
In some cases, your insurance will ask you to call a local towing service and keep expense records. Then, contact your insurance company to request reimbursement later.
What’s covered with roadside assistance for motorcycles?
Roadside coverage lets you request help for minor repairs or assistance so you’re not left stranded on the side of the road.
Coverage often included in roadside assistance:
No-cost towing within a specified distance
Motorcycle retrieval if stuck in a ditch or similar situation
Lost key service
Fuel, oil or water delivery
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Compare motorcycle policies with roadside coverage
Is motorcycle towing insurance worth it?
Motorcycle towing and roadside assistance is a cheap add-on to your policy. Not only will you get peace of mind about towing costs, but you can also cover other roadside help. You can often add this coverage to your policy for as little as $20 per year.
Bike breakdowns are a bit different from cars, since you could theoretically bring your bike home in a pickup truck, bike lift or motorcycle trailer. But not everyone has access to another vehicle for transporting a dead bike or for daily driving while your bike is in the shop.
On road trips especially, you might not be able to get a friend to come pick you up or give you a jump start. That’s where roadside assistance shines — by allowing you to call anytime for repairs or to get a ride back home.
Case study: Motorcycle towing insurance in action
Bobby is out riding his bike in a remote spot over 100 miles from home. Suddenly, he has unexpected engine problem that forces him to pull over.
Knowing he has towing insurance, Bobby pulls to the side of the road to call a local tow truck, which helps him get to the nearest repair shop located 40 miles away. His policy only covers the tow truck up to 35 miles.
He pays for the tow truck and labor expenses upfront, then files for reimbursement from his insurance company later. Once the claim is settled, Bobby pays only $10 for the extra towing mileage. He’ll also pay for the motorcycle repairs out of pocket.
What’s not covered by motorcycle towing insurance?
You may not be able to use your towing or roadside assistance coverage in some situations:
Service call limits. You may be limited on the number of service calls you make. If you go above the limit, you could experience a premium increase or be denied roadside service.
Mileage limits. Many companies specify a maximum distance for towing your motorcycle. You may pay extra fees if towing goes beyond that distance.
Repair shop fees. Towing insurance may get you to the repair shop, but you’ll pay for any repairs once you’re there.
How do I get roadside assistance?
You can easily purchase this coverage or add roadside assistance to an existing policy:
Compare insurance providers that offer towing or roadside assistance. If you already have motorcycle insurance, you could check coverage options with your current provider.
Determine whether you need only towing services or a full suite of roadside assistance, such as fluid delivery, tire repairs, battery jumpstart, locksmith services and even trip interruption.
When comparing providers, you’ll want to look at which situations are covered by the policy, rates, packages, discounts and special requirements or stipulations. For example, some companies only allow you to use roadside assistance for a set number of times per policy period.
Choose a provider that best meets your towing insurance needs, complete an online or phone application and start your policy.
To add to an existing policy, simply contact your insurance company by phone to let them know the change. Many insurance companies allow you to add coverage directly from your computer or phone by logging into your customer account.
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Motorcycle towing insurance covers the cost of a tow truck if your motorcycle breaks down on the road. This coverage is often added to motorcycle roadside assistance, which provides additional assistance for minor repairs.
Frequently asked questions about bike towing coverage
Roadside assistance may get categorized separately from regular insurance claims. However, this depends on your insurance company and policy. Some companies will track service calls and raise your premium after so many.
Avoid a premium increase by reserving this insurance for emergencies only. You can also purchase coverage as a stand-alone service from some companies. Doing so prevents a rate increase over your entire insurance policy if an increase does occur.
You can still receive towing or roadside assistance as long as coverage is offered in your area. Consider skipping towing coverage if you don’t have many repair shops within your normal riding locations.
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for over three years after graduating with an English Education degree. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
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