Ride with the motorcycle insurance specialists

Your bike is your passion. Protecting it is ours.

For more than 40 years, Markel Specialty has provided customizable motorcycle insurance policies for riders just like you. We understand that a motorcycle needs specialized coverage. Unlike many other insurers, we treat motorcycles like motorcycles. Not like cars. Not like houses. Not like something that can be easily bundled.

Plus, we make it easy to get affordable motorcycle insurance with our numerous money-saving discounts. Taking a safety course, insuring multiple motorcycles on one policy, or simply putting an alarm on your bike are just a few ways you can help lower your motorcycle insurance rate.

We have a policy for almost any type of bike, including:

  • Cruisers
  • Touring motorcycles
  • Sport bikes
  • Sport-touring bikes
  • Big twins
  • Street bikes
  • Scooters/mopeds
  • Dirt bikes
  • Trikes
  • Custom motorcycles

Why do I need motorcycle insurance?

You and your motorcycle don’t fit a mold. Your motorcycle insurance policy shouldn’t either. Unfortunately, many insurance companies don’t seem to get this. They often times cobble together a motorcycle policy from an auto policy and use it for as many customers as possible.

At Markel Specialty, that’s never the case. Our motorcycle insurance policies are customizable, which means your policy is made to the exact specifications of who you are, how you ride, and what sort of coverage you need. Get a free online quote today.

What can motorcycle insurance cover?

Your motorcycle reflects who you are as an individual. It’s taken a whole lot of time, money, and energy to turn it into the jaw-dropping machine it is today. That’s where we come in. Our motorcycle insurance lets you protect your bike and its accessories with a customizable policy. When getting a motorcycle insurance quote from us, you can choose from a variety of coverage options to build a policy that fits your needs—and your budget.

Coverage for your motorcycle

Collision
With Markel Specialty's collision coverage, your bike’s repairs or replacement costs (minus your deductible and subject to the settlement type terms) are covered in the event of an accident caused by collision or upset. Pick the deductible that works best for you: $250, $500, $1,000, $1,500, or $2,000.

Comprehensive
Comprehensive coverage helps pay for damage to your bike (minus your deductible and subject to the settlement terms) caused by a non-collision event, such as fire, theft, vandalism, or hitting a deer. Your deductible options are $250, $500, $1,000, $1,500, or $2,000.

Accessory coverage
Markel Specialty's collision and comprehensive coverages include $1,000 of accessory coverage. You can also purchase additional coverage in $1,000 increments up to $30,000. When deciding on the amount of accessory coverage you need, anything that is different from the stock unit, as produced by the manufacturer, is considered an accessory and should be included in your accessory value in order to be covered. Also, don't forget your riding gear—leathers, helmet, riding boots, goggles/glasses (if used exclusively for riding). Use our motorcycle accessory checklist to determine the value of all your custom parts and accessories.

Uninsured/underinsured motorist property damage
This coverage can provide additional insurance protection against damage to your motorcycle caused by a motorist who has no insurance or insufficient coverage and is considered at fault.

Mechanical breakdown coverage
This optional coverage helps cover the cost of specific components in the event of a mechanical breakdown, depending on the year, make, and model of the insured motorcycle.

Trailer coverage
Insurance protection for trailers designed specifically for pulling behind a motorcycle or trike and towed exclusively by the insured vehicle.

Coverage for you

Medical payments coverage
Medical payments coverage can help cover excess medical payments (after any other medical coverage has paid) for the insured motorcycle's operator or passenger regardless of fault, subject to the coverage limit and deductible.

Uninsured/underinsured motorist bodily injury
This coverage can provide insurance protection for your injuries or death if you are involved in a motorcycle accident with a motorist who has no insurance or insufficient coverage and is considered at fault.

Funeral expense coverage
Pays up to a predetermined amount for funeral expenses associated with a motorcycle accident resulting in the death of an insured person who was occupying the insured motorcycle.

Coverage for others

Bodily injury liability
Bodily injury liability coverage can help protect you if you’re at fault in a motorcycle accident that causes injury, sickness, or death to someone else. Keep in mind, this motorcycle insurance coverage does not cover your injuries, only injuries to others for which you are legally liable.

Property damage liability
Property damage liability coverage can provide insurance protection if you’re at fault in a motorcycle accident that causes damage to someone else’s property. Remember, this coverage does not cover damage to your motorcycle or property, but will pay for damage to another person’s property for which you are legally liable.

Passenger liability
Passenger liability coverage helps protect you if you’re at fault in a motorcycle accident that causes injury to a passenger who is not an insured on your policy.

Additional coverage

Roadside assistance and trip interruption*
For only $25 per year (per unit) or $50 per year (all private passenger, non-commercial, household vehicles), you can reap the benefits of our nationwide roadside assistance program:

  • 24-hour emergency roadside assistance
  • Emergency delivery of supplies
  • Emergency tire and battery service
  • Emergency trip interruption reimbursement
  • Customized road mapping service
  • Locksmith service

Learn more about the Nation Safe Drivers Auto Club Roadside Assistance Program.

Rental reimbursement coverage
Pays costs incurred for renting a substitute vehicle when your bike isn't operable for over 24 hours due to a covered loss.

*Coverage is not available for dirt bikes or ATVs. All services are administered by service providers approved by Nation Safe Drivers™. Refer to Markel Specialty's 24-hour Emergency Road Service contract for complete details.

Discounts
DISCOUNTS
Get the coverage you deserve at a rate you’ll love with our numerous money-saving discounts and diminishing deductible.
Claims
CLAIMS
Unfortunately, accidents happen. When they do, you can count on our experienced and knowledgeable claims team to help get you back on the road fast.
Documents
RESOURCES
From motorcycle safety tips to breaking down insurance coverage options, find the information, advice, and resources you’ll need all in one place.
FAQ
FAQs
Motorcycle insurance doesn’t need to be complicated. Explore our most commonly asked questions about motorcycle insurance to get the answers you’re looking for.

Policies as low as $50 per year.

Get a fast, free online quote today and get the protection and peace of mind you deserve. Plus, save up to 35% with our discounts, including 10% just for switching.

Or call 800-236-2453 to speak with a motorcycle insurance specialist.

This content is provided for informational purposes only. Terms, conditions, and exclusions apply. Coverage is underwritten by one or more insurance companies of Markel and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. Certain products and services are provided through various non-admitted insurance companies of Markel and are offered through licensed surplus lines brokers or through Markel West Insurance Services, California license # 2E11302. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. Markel® is a registered trademark of the Markel Corporation.