Motorcycle insurance coverages

Your bike is uniquely yours. Your insurance policy should be too.

You and your motorcycle don’t fit a mold. Your motorcycle insurance policy shouldn’t either. That’s where we come in. All of our motorcycle policies are custom-built for each and every customer. 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’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'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 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 pay 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
Protects 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) 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 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 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.

(Please note 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.)

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.

*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Insurance is not available in MA and NC. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call 800-236-2453 to speak with a motorcycle insurance specialist.

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