The terms of ETA's cover include: '– Recovery to a repair shop, railway station or home'. Soooo..... presumably they choose the most convenient or cost effective option, for them. That might well be 'home' if you're only 30-40km away, but I suspect the train station option would apply at some distance not an awful lot greater, or that they'd at least try to argue for the train station. It's £24 now.
https://www.eta.co.uk/bicycle-insurance/cycle-rescue
I sent ETA an email enquiry because I was confused as to what they offer and I wanted a policy that would get me home.
Here is their reply to me. There was a few more lines but that covered theft claims which I was not interested in.
Thank you for your email.
I can confirm that we actually offer the Cycle Rescue as a stand alone policy, for £24 for the year. I can confirm under this policy, you would indeed be taken anywhere you wanted to go in the event of a breakdown.
With regards to the Cycle Rescue that comes with our Insurance, this is a free add on, so due to this, there are a few limitations on this one, mainly that we have a 25 mile limit on recoveries (25 miles from the point of a breakdown). So providing your home is within 25 miles of where you have broken down, you would be taken home, though it if was outside of this, you would be recovered to the forementioned within the 25 mile limit of where you have broken down.
As far as I’m concerned their reply provides me with absolute clarity and following receipt of that reply I took out a policy.