I took cover out the day before I travelled back up north in the 126, and glad I did 'cos it needed trailered home lol. Cost about £40 thru my insurance, assistance is supplied by RAC.
Ring up some recovery firms and ask them how much it costs these days to get trailered off the hard-shoulder if you were to suffer a breakdown or accident........that should throw it for you. (BTW, make sure you are sat down before you ask the question).