If you do Europe, then I would say yes. You are getting the cover for most things bike related going wrong. I have been in the position of both, once my mate had serious problems with his bike, RAC got it back home no messing. Another year, another mate had a big problem, with no break-down cover, it totally wrecked the trip, we spent that much time trying to fix the bike (couldn't sort it), going here and there for this bit and that bit. In the end the bike had to stay at a hotel we had stayed in. Then he had to get a van and go and get his bike after we had got home, need I go on. For me £500 for 2 years is a gift.