unless you are in vic and can get the full racv coverage which covers the person and whatever vehicle
they are driving or are in then to me its all a waste of money
my car broke down due to siezed alternator , cost $150 in tow to the dealer
the joys of smart phones and google i found a tow in 10 mins of search
last time i had a car towed was about 1998 or actually 2000 when i hit a traffic light
there is a few motorcycle tow people , best find them and store them in your phone
invest in a puncture repair kit and know how to use it as thats your most likely break down
for a commuter bike