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ISO Motorcycle Program

Utilize turnkey solutions for Motorcycle Coverage and Rating

Motorcycles and their riders are a different breed, but they’re not all the same. Insuring them can demand a substantial investment to reach a niche market. But having a sound motorcycle program can pay dividends in loyalty from customers who bundle their personal coverages.

Meet the needs of the motorcycle market


Meet the needs of the motorcycle market

The ISO Motorcycle Program gives you ready-to-use tools to meet the needs of this unique market. By-coverage rating relativities and procedures enable pinpoint accuracy; industry-standard, court-tested policy forms instill confidence; and refined rating codes account for all classes of the 8.3 million registered motorcycles on the road in the US.

Discover the ISO Motorcycle Program

Refine motorcycle underwriting with comprehensive information

Get by-coverage rating relativities for motorcycle type, engine size, and MSRP, as well as eligibility requirements, territories reflecting seasonality, and motorcycle base loss costs. The manual also contains by-coverage classification factors that recognize various exposures, including operator age, serious accidents, violations, and more.

And you’ll find rating procedures for stated amount and agreed-value coverage, motorcycle-related discounts, and rules and rating procedures for other recreational vehicles.

Tailor coverage to the unique needs of motorcyclists

Our industry-standard, court-tested policy form has been adapted from the ISO Personal Auto Program to create a motorcycle policy that provides liability, medical payments, uninsured motorist, and physical damage coverages.

The ISO policy includes motorcycle-specific definitions and base limits for specialized and custom equipment, extending even to rider safety apparel.

Know your risks and apply actuarially sound rates

The 10-digit VIN—now available through VINMASTER® Motorcycle—provides details such as engine size code, MSRP range coding, vehicle type code (indicates chopper, off-road, etc.), and all corresponding codes and rating factors.

Risk differentials are accounted for across the spectrum of damage and injury coverages for all classes of motorcycles, from the most accident-prone Supersport types to the safest classes.

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