Markel

Markel is the best motorbike insurance company for mechanical breakdowns because it is the only insurer on our list that covers repairs to failed components even if the failure was not caused by a collision.

Markel's accident forgiveness (which includes the option of covering your first at-fault loss after four years accident-free) and diminishing deductible (get 25% off each year and pay nothing after four years) programs stick out. In addition, the company provides all of the standard motorcycle coverage options that most bigger insurers provide, such as collision, comprehensive, and medical payments, as well as some unique extras.

An agreed-value settlement for custom motorcycles, coverage for mechanical issues, trailers, and funeral costs resulting from a motorcycle mishap are additional perks and add-ons. For any insured individual riding an insured bike, both the agreed-value settlement and funeral expenditures provide coverage for final expenses up to a predetermined amount.

Pros

• Covers mechanical breakdowns unrelated to crashes
• Includes $1,000 in accessories coverage with comprehensive and collision
• Accident forgiveness option for first at-fault loss after four years accident-free
• Added coverage for funeral expenses and trailers
• Rental reimbursement

Highlights

• J.D. Power Customer Satisfaction Score: N/A
• A.M. Best Financial Strength Rating: A (Excellent)

Website: https://www.markel.com