My UK and European cover was included with my insurance however; the KTM came with its own 2 years cover and the MT07 1 years cover. Both bikes and cars are also covered with Green Flag. Although the best recovery I experienced was when I didn't actually have any cover. Due to a crash I had, I was informed I wasn't covered for recovery. I kicked up such a stink, the person on the other end of the phone arranged recovery. A company that specialises in bike recovery came and collected the bike and took it home for me. The Driver couldn't get a signal to contact his office, so, fair play to him, he took me and the bike home.