Frequently asked questions
Need more answers? Give us a call at 800-236-2453.
What is the average cost of motorcycle insurance?
That’s a lot like asking, “What is the average cost of a motorcycle?”. It’s difficult to say what an “average cost” is for motorcycle insurance because it varies by the bike, the location, the rider, and many other factors. The best way to know what the cost would be is to get a free motorcycle insurance quote.
How much coverage do I need?
This is another question to which we have to answer: “It depends.” Your best bet is to choose the most complete motorcycle insurance coverage that fits within your budget. You want to be sure that, in the event of an accident, you are sufficiently covered and don’t end up having to pay large bills yourself. That means selecting the right amount of comprehensive, collision, bodily injury liability, property damage liability, accessory, and other coverage to protect you and your bike. If you would like help determining how much coverage you need, feel free to contact one of our specialists at 800-236-2453.
Does it cost anything to get a quote?
Absolutely not. It only takes a few minutes to get a motorcycle insurance quote and it won’t cost you a thing.
Does the quote process affect my credit score?
No, it does not. Like most insurance companies, we do something called “insurance scoring,” which does take your financial responsibility into account. But unlike the credit checks involved with applying for a loan, we use what is called a “soft hit,” which does not affect your credit score at all.
How do I qualify for your best motorcycle insurance rates?
We will do everything possible to offer you the cheapest motorcycle insurance rates possible. You can also do things like completing a rider safety course, riding safely, and installing an anti-theft alarm system to help lower your rates. You can learn about these and other ways to save on our motorcycle insurance discounts page.
Can I buy motorcycle insurance online?
You sure can! Just complete a motorcycle insurance quote online and you will be given the option to continue to purchase at the end of the quote.
Do you offer trike insurance?
We absolutely do!
What happens if I have an accident?
If you have an accident, there are a few key steps that will help you through the immediate situation and help your claim run smoothly:
- Move vehicles safely from roadway if blocking traffic. If vehicles are not drivable, leave them where they are for the police to examine.
- Contact the police.
- Obtain information regarding any witnesses who may have seen the accident.
- Exchange information with other people involved, e.g., get their name, address, phone number, vehicle information, license plate number, and insurance information.
- If you have a camera or cell phone handy, take photos of both vehicles and/or the scene (skid marks, etc.). This can help clear up questions regarding damages and liability later.
- If the vehicle is inoperable, avoid further damage by having the vehicle towed to a safe location, either your home or a repair shop.
- Report the accident to your insurance carrier immediately.
- How do I file a claim?
Can I pay my bill online?
Yes, you can. Just go to the online payment page and select the form of payment that is right for you. You can choose from making a one-time payment or setting up automatic payments via a credit card or bank draft so you never have to worry about missing a payment.
Why should I insure my motorcycle with a powersports insurance specialist?
The reason to choose a powersports specialist such as Markel Specialty is that we know how to work with you every step of the way. From selecting the right amount and type of coverage to quickly resolving your claim, we understand the needs of motorcyclists better than anyone else—because we’re motorcycle insurance specialists. We know that your bike is not just a car with only two wheels. We know what you need as a motorcyclist because we are who we insure.
Is Markel Specialty a financially sound company?
Yes. We are part of Markel Corporation, an international company. For more information about our financial standing, visit the Markel web site.
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.