THE GOOD

Company specializes in motorcycle insurance:

Unlike most insurance companies that insure homes, cars, and all sorts of other vehicles, Markel American specializes in powersports insurance, including motorcycle, boat, ATV, and snowmobile policies. When you are shopping for the best motorcycle insurance, a company that really knows their stuff when it comes to protecting you and your bike, like Markel American, can make the whole process much easier. Their easy-to-use quote tool can help you choose just the right amount of coverage, and having knowledgeable staff standing by to answer your questions can really add to your peace of mind.

Excellent policy coverage:

In addition to the liability insurance required by law, Markel American motorcycle insurance also offers uninsured/underinsured motorist coverage to ensure that you are protected if you are injured or your property is damaged due to an uninsured motorist. Should you happen to end up in the hospital due to a motorcycle accident, Markel American helps out with your medical bills, and even pays for injuries sustained by your passengers. Trip Interruption Coverage is another nice option to have, especially if you take your motorcycle on long road trips. Through this coverage option, if your bike breaks down while you are far away from home, Markel American motorcycle insurance reimburses you for food, lodging, and travel expenses.

Access to great discounts:

One of the most appealing things about Markel American's motorcycle insurance policies is the wide selection of discounts available, which can help you save up to 35%. Markel American reduces your deductible by 25% each year, which means that safe drivers who go four or more years without an accident will be rewarded by not having to pay a deductible. Discounts are also available for installing security devices, insuring multiple motorcycles, and taking safety courses. Markel American motorcycle insurance also has an Accident Forgiveness program, so you don't have to worry about your rates increasing just because of an accident.

THE BAD

Claims representatives aren't available 24/7:

If you happen to get into an accident after 5 p.m., you have to wait until the next day to speak to a Markel American representative about filing a claim. Their claims center is only available from 8:00 a.m. to 5:00 p.m. CST, unlike most motorcycle insurance companies which have 24-hour claims centers. This could be problematic if you are looking to get the claims process started immediately. However, you can always go online and file a claim, no matter the time of day, so you can still get the ball rolling, even if you can't speak to anyone right away.

Must contact a representative to change policy details:

Through your online account on Markel American's website, you can view your billing information and pay your bills, but you can't change any policy details without first speaking to a representative over the phone. While it would be nice to see Markel American allow users to add a driver or replace a motorcycle on their plan from an online account, this is probably going to be more of a minor inconvenience than a serious problem for most policyholders.

No mobile app:

Markel American is one of the few motorcycle insurance companies that doesn't have a mobile app for their customers to use to view policy details, contact an agent, or file a claim. Not everyone may be interested in mobile tools, but there's no denying that they can be convenient to have, especially for those times when you can't get to a computer to find the information you need.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A
A.M. Best ICR Rating a+
Moody's Rating A2
Standard & Poor's Rating A

FEATURES

Title
  • Accessory Coverage The insurance provider offers physical damage protection to equipment, devices, accessories, enhancements, and changes other than those which are original-manufacturer-installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle.

  • Actual Agreed Value You can lock in an agreed-upon price with the insurance company, and receive payment for that value if the motorcycle can't be replaced.

  • Collision The insurance provider insures you against damage from collisions.

  • Comprehensive The provider insures you against losses from any non-collision vehicle damage including fire, theft, or vandalism.

  • Trike Coverage The insurance provider offers coverage for trikes or three-wheeled motorcycles.

  • Custom Motorcycle Coverage The insurance provider offers coverage for custom-built motorcycles.

  • Vintage Motorcycle Coverage The insurance provider offers coverage for vintage motorcycles.

  • Bodily Injury Liability You are insured against damage if you injure or kill another person.

  • Guest Passenger Liability The insurance company will pay for any injuries sustained by a passenger who shares a ride with you.

  • Medical Payments Coverage that pays the cost of medical care you receive as a result of a motorcycle accident is offered.

  • Property Damage Liability Coverage that insures you against certain damages that you may cause to someone else's property are offered.

  • Trip Interruption Coverage The insurance provider will pay for food, lodging, and travel expenses if your motorcycle breaks down more than 100 miles from home.

  • Uninsured/Underinsured Motorist Bodily Injury The insurance provider pays for injuries caused by an uninsured or underinsured driver.

  • Uninsured/Underinsured Motorist Property Damage The insurance company offers coverage against property damage caused by an uninsured or underinsured driver.

  • Cash Benefits The insurance company will provide cash benefits to you or your family if you have a serious or fatal accident, regardless of fault.

  • Online Claim Filing You can file a claim online 24/7.

  • Telephone Claim Filing You can file a claim via telephone.

  • 24/7 Claims Center You can reach a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Accident Forgiveness Your rates will not go up after an accident, if qualifications are met.

  • Anti-Theft Discount A discount is offered if you have any anti-theft devices installed.

  • Multi-Motorcycle Discount A discount for insuring more than one motorcycle is offered.

  • Reduced Deductible You can receive a discount for each consecutive accident-free year that passes.

  • Renewal Discount You can receive a discount when you renew your insurance.

  • Responsible Driver Discount You can receive a discount for being a responsible driver.

  • Safety Course You can receive a discount for completing a safety course.

  • Transfer Discount You can receive a discount for transferring your insurance to the company.

  • Claim-Free Discount A discount is offered if you have no at-fault accidents during your previous policy period.

  • Homeowner Discount A discount is offered on your policy if you own your home.

  • Instructor Discount Current Motorcycle Safety Foundation instructors receive a discount.

  • Mature Rider Long-time motorcycle riders will receive a discount.

  • Multi-Policy Discount A discount is offered if other types of insurance are purchased from the provider.

  • On-Time Payment Discount You can receive a discount for paying on time for a year.

  • Organization Discount You can receive a discount if you are a member of an affiliate organization (i.e. Riding Associations).

  • Pay-in-Full Discount You can receive a discount for paying the full amount of the policy up front.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Online Policy Purchase You can purchase your policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Roadside Assistance The provider offers roadside assistance in case of emergencies (tow, no gas, flat tire, etc.).

  • Towing and Labor The provider offers reimbursement for towing and labor costs.

  • Rental Car Reimbursement The provider repays you for the cost of renting a car while your motorcycle is being repaired due to an accident.

  • Transport Trailer The provider offers Comprehensive and Collision (physical damage) coverage for your transport trailer.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The insurance provider's iPhone and Android apps have a combined 3.5 stars or greater.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Android App You can access your account through an Android app.

  • iPhone App You can access your account through an Apple app.

  • Billing Status You can check your billing status and payment information online.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Add a Driver You can add a new driver to your insurance policy online.

  • Dashboard You can manage and change policy details using an online dashboard.

  • Replace Motorcycle You can replace or change a motorcycle covered by your insurance policy online.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make payments with your credit card.

  • Flexible Payment Terms The insurance company offers flexible payment terms over different periods of time.

  • Mail Payments You can mail your payments.

  • Online Payments You can make payments online.

  • Pay by Bank Account You can make payments directly from your bank account.

  • Phone Payments You can make payments by phone.

  • Prepayment You can pay your policy in full instead of monthly.

  • Email/Ticket You can reach the provider for support through email or a ticket system.

  • Live Chat You can reach the provider for support through live chat.

  • Phone You can contact the provider by phone to get support.

  • Social Media You can contact the provider through social media websites.

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