I think auto and bike insurance is a lot different in Canada than here.
Yes it is different, but the added insurance for towing/breakdowns is readily available and relatively inexpensive as well.
Gordon...check out BCAA, they are not that bad. Also, if you go with Private insurance for your comprehensive/collision coverage instead of everything through ICBC, companies like Megson Fitzpatrick who I've been with for many years, give outstanding coverage including roadside assistance and towing...all at a good discount for riders who have at least 10 years experience on large displacement touring MC's specifically. I pay about $300 less than going fully with ICBC...and my old Valk is still insured at a value of $9500.00