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.