Breakdown cover (best vs cheapest)

[simonm]

I don't have breakdown cover.  I'm not exactly a liability  :rolleyes  but I've had 2 low speed incidents (read fall off's) in the 7 months I've been riding (read in to that what you will).  I'm now considering going for a ride with the lofo's and wondering if I want to be possibly be stranded 100 miles away from home (I don't) and the bike is 13 odd years old too and I'm scared of punctures (and may have made some enemies recently  :lol ) etc.

So I've been thinking about breakdown insurance.  The best option seems to be the AA and the RAC because they provide car and motorbike cover for no more money.  It seems a no brainer as a cager to make use of that.  However....  Apparently they know nowt about motorbikes (http://forums.moneysavingexpert.com/show...747&page=1) .

My questions are:

• Is this a false economy ?
  
• are there better deals out there from a known big brand (voucher codes/referrals/cashback etc)
  
• Is going for the RAC/AA an idea as any sort of cover is better than none
  

I've looked at money saving expert and hotukdeals but I thought I'd ask you lot too.


TIA (sorry for posting so much but this seemed like a good question)