Underwriting and Rating

VINMASTER

Unlock granular vehicle details—even without the VIN—to find the latest ISO Vehicle Series Rating Symbol with only the year, make, and model with VINMASTER.

How do you capture the complexity of today’s vehicles?

Mispriced risk is a $29 billion annual problem for the auto insurance industry,¹ and with increasing complexity, emerging technologies, and new safety features, it’s harder than ever to refine pricing. Uncovering vehicle-specific risk data without a reliable source of Vehicle Identification Numbers (VINs) can be a struggle.

Refine personal auto underwriting

VINMASTER contains comprehensive data on personal vehicles, including Vehicle Series Rating Symbols, beginning with the model year 1981.

No VIN?

No problem. With VINMASTER, leverage granular vehicle information with just the year, make, and model or a few other key features.

More data

Multifaceted, vehicle-level data helps enhance risk pricing at point of sale and renewal and determines ISO Vehicle Series Rating Symbols.

A coverage upgrade

Already a Risk Analyzer® customer? VINMASTER delivers 400+ uniquely defined Personal Auto Symbols and corresponding rating relativities.

Features and capabilities

Granular details

Unlock vehicle-specific information that helps you determine premiums more accurately, even when you don’t have the full VIN.

Updated information

VINterpret, a VINMASTER product, delivers information on advanced driver assistance systems (ADAS) available in 2012 or newer private passenger vehicles.

Multi-indexed database

Use VIN, year/make/model, or other vehicle description information to pull granular data and determine the latest ISO Vehicle Series Rating Symbol.

Related resources

Stay in the know about important industry trends and innovative solutions.

Article

ISO introduces solutions for insuring vehicles with driver assistance features

ISO has introduced new solutions to help auto insurers underwrite and price coverage for the growing number of cars with advanced driver assistance systems (ADAS).

Read the article

Article

VINMASTER–VINterpret Safety tracks high-tech driver aids

VINMASTER–VINterpret Safety, is now available to deliver information on advanced driver assistance systems (ADAS) available in 2012 and newer private passenger vehicles.

Read the article

White paper

The Challenge of Auto Insurance Premium Leakage

Personal auto insurers have at least a $29 billion annual problem: premium leakage—omitted or misstated underwriting information that leads to inaccurate rates.

Download the white paper

Do more with the Verisk ecosystem

There’s more than one way to unlock robust vehicle-level data with Verisk.

Industry-leading vehicle symbols

Price vehicle risk more precisely with symbols that indicate the relative risk of loss by model year and series.

Learn about ISO Symbols

Rating intelligence tools

Refine pricing and segmentation with the predictive power of hundreds of attributes and environmental factors.

Learn about ISO Risk Analyzer

Vehicle history scores

Fine-tune your rating process with analytics about a vehicle’s historical information.

Learn about Auto History Score

Build sheet details

Uncover granular vehicle risk components for underwriting, rating, and claims adjusting.

Learn about TrueVIN

Comparing Auto Insurance Quotes On Tablet

Coverage history and details

Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.

Learn about Coverage Verifier

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Contact us to learn more

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

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Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

Main toll-free:

1-800-888-4476

Global toll-free:

International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

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¹ _{Verisk white paper, The Challenge of Auto Insurance Premium Leakage}