This is posted as a separate thread for those who haven't been following this thread: https://netrider.net.au/forums/viewtopic.php?p=227447&highlight=#227447 Actually, that's not right.... Just been through it with a mate who'd come off last week...and who's GOT the Total Care package. The fine print under the relevant section says: "If the vehicle is in a ROADWORTHY condition". Argued the case with RACV over the phone (to save myself the lengthy 800km return trailer-trip to Orbost) and it came down to this: As pertaining to accidents (NOT breakdown): The tow from the accident scene is covered by the bike insurance (IF full-comp insured). Towing the closest tow-company depot only. The tow from that depot to either home or the nearest repair shop for THAT damaged vehicle is NOT covered. What is covered however, is the transport of the vehicle to the home location of the insured....IF the vehicle is in a roadworthy condition (and which vehicle is after an accident?? There'll be at least a busted light or such, rendering it technically un-roadworthy) The only cover under Total Care is for circumstances like this (again, pertaining to accidents... NOT breakdown): If the vehicle has an accident, the owner (policyholder) is incapacitated (i.e. hospital), the vehicle is repaired AFTER the accident, but the insured not able to drive bc still in hospital/ transferred to specialists/ whatever....THEN, and only then,....will the RACV either tow or supply a driver to get the vehicle back to the home of the insured. As a practical, first-hand example of how Total Care relates to someone injured in a bike-prang, submitted to hospital with minor injuries (again, relating to the recent Orbost accident): Total care did cover the transport of the insured back to Melbourne. Injuries were light, major bruising/ contusions/ abrasions etc of knee/ foot/ shoulder, no fractures. major swelling and greatly reduced mobility under pain. The Total Care solution provided for the foillowing: Taxi-trip hospital-coach terminal Orbost....coach trip to Bairnsdale....train ride Bairnsdale-Dandenong....taxi Dandenong-home. An endless journey for someone on crutches (which were unobtainable through the hospital that weekend), carrying a busted topbox and a DriRider jacket. Even the resident quack said NO WAY to that one...and kept the person for another night at the hospital until either fit to undertake the journey or some alternative transport could be found (which was organized privately). The ironic thing is that all points are covered if the vehicle breaks down, rather than crashes. So....if you're unhurt after a reg/rec shit itself 600km out from arsehole-east...all is covered. The tow, 10 days hire-car, motel accomodation...the works. All that while you're capable of walking/ talking. But when the shit hits the fan...Total Care is just about nowhere to be seen.