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Never needed breakdown cover with my bike, but have with cars.
The AA seemed to give up easily, and only fixed 1/3 fixable problems (being a broken accelerator cable, the two others being broken clutch cables, which were fixable). Happy to tow, though.
I had RAC cover for a year, which I needed once. Again, they were keen to tow rather than investigate, but the problem was fixable - a sensor had fallen out of a pipe. Volvo kindly charged £90 to put it back.
I don't really rate either, but in fairness, I've had my money's worth out of them - £40 a year, about six tows works out cheaper than no cover at all.
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