The vast majority of these companies are 'breakdown' companies
i.e. if your vehicle breaks down, they turn-up and fix it and/or get you home.
Some of them have 'accident' recovery, but many of them don't. Now this is when the vehicle is involved in an accident and is not repairable. Some will recover you in these circumstances, but will charge you for the pleasure.
BUT
what happens if YOU have an accident (say, you fall and break your collar-bone) and are unable to ride/drive. There are VERY FEW with this cover.
It was after my little incident with the peds at the 2004 Bash, where I broke my collar-bone, that all of this came to light. I had the top 5 star cover with the AA and they would only recover me at the 'going rate' and I was 250 miles away from home.
I'm now with Norwich Union (the car and the van are insured with them).
It is a personal cover with named vehicles and the bike is the second named vehicle. They will recover to home /destination, bike rider & pillion, after any personal accident that meant I could not ride.
ALSO, they are very nice people and have just added continental cover onto the remaining 2 month of the annual policy FOR FREE!