Definitely take out some sort of cover ! The costs of recovery from the roadside to a garage or, in a worst case scenario, getting yourself and the bike back home after a catastrophic mechanical failure can be high - I met a dutch couple earlier this year near North Cape (northern Norway) whose Yamaha had major gearbox issues - no dealer within 800 miles so they had to get the bike recovered back to Holland and were looking at costs around euro 2,000 !
Don't just go for the cheapest cover - some policies will cover hotel/accomodation costs or hire costs for alternative transport. Look carefully at the small print of the policy and consider as many 'what if' scenarios as possible and see how the policy will deal with them.
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