Allianz Bike Warrior is for 250cc above, recommended to get if your insurance coverage doesn't provide roadside assist. It's better than scrambling for bike towing that would easily cost RM200/RM250 and above. Plus it's unlimited number of towing during your coverage period. Peace of mind even if I don't really expect that I would need it.

For smaller cc bikes, I'm not too sure, I last heard Allianz was planning to introduce something but I didn't follow up on this. Anyway most people will say kapcai is small/light and easy to push or have some kind biker to help "tolak", but it's usually for intercity situations, if you are travelling long distance on kapcai I imagine you would want some roadside coverage.

My guess is that from the insurance company point of view, motorcycles have much higher chances of needing a tow than cars, like if there's a flat, there's no spare tire you can slap on. Or any minor fall or bike being dropped may snap the shifter and you cannot ride it so need a tow.

That's just my thought only.