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Markel Motorcycle Insurance Frequently Asked Questions

These are a few of the more common questions we get on motorcycle insurance. If you have a question that isn’t listed, please chat online with us or call (800) 236-2453.

What is the average cost for 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 for your motorcycle is to get a free 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 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.

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:
  1. Move vehicles safely from roadway if blocking traffic. If vehicles are not drivable, leave them where they are for the police to examine.
  2. Contact the police.
  3. Obtain information regarding any witnesses who may have seen the accident.
  4. Exchange information with other people involved, e.g., get their name, address, phone number, vehicle information, license plate number, and insurance information
  5. 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.
  6. If the vehicle is inoperable, avoid further damage by having the vehicle towed to a safe location, either your home or a repair shop.
  7. Report the accident to your insurance carrier immediately.

Does it cost anything to get a quote?

Absolutely not. It only takes a few minutes to get an accurate 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 financial responsibility into account. But unlike the credit checks involved with applying for a loan, Markel uses what is called a “soft hit,” which does not affect your credit score at all.

How do I qualify for your best rates for motorcycle insurance?

Step one is by getting a quote for our motorcycle insurance. We will do everything possible to offer you the best rates we can. You can also do things like completing a rider safety course, riding safely, and installing an antitheft 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, 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! If you ride a trike, check out the information about our trike insurance.

How do I file a claim?

There are multiple ways to file a claim with Markel. You can visit our motorcycle claims page or call our Claim Department at (800) 236-2453.

Can I pay online?

Yes, you can. Just go to our payments page and select the form of payment that is right for you. You can choose from making a one-time payment or setting up automatically recurring 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 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 a financially sound company?

We are. Markel American is part of Markel Corporation, an international company. For more information about our financial standing, visit the Markel website.