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How to Insure Motorcycles — National Edition
A motorcycle is not simply a two-wheeled automobile.
Motorcycle insurance requires its own discovery conversation. Rider experience, motorcycle type, modifications, passenger use, seasonal riding, storage, financing, safety equipment, and actual riding patterns can all matter. A producer who asks only year, make, and model may completely miss the real exposure. 

How to Insure Motorcycles is a practical producer-development guide designed to help insurance professionals understand the rider, the motorcycle, and how the bike is actually used before quoting or recommending coverage.
Inside This Practical Guide
You'll learn how to:
  • Evaluate rider experience, licensing, training and riding history
  • Identify every household or occasional operator
  • Understand cruisers, touring bikes, sport bikes, scooters, trikes and custom motorcycles
  • Investigate ownership, financing and motorcycle value
  • Inventory custom parts, accessories and modifications
  • Discover commuting, pleasure, touring, rally and long-distance use
  • Address passengers and two-up riding
  • Investigate seasonal use, lay-up, storage, theft and garaging
  • Discuss physical damage and valuation without making unsupported promises
  • Conduct a meaningful liability-limit conversation
  • Address UM/UIM and medical-related options while recognizing state-specific requirements
  • Investigate helmets, apparel, safety gear and personal effects
  • Discuss towing, roadside assistance and trip-interruption options
  • Handle multiple bikes, collectible motorcycles and specialty risks
  • Recognize track days, racing, stunts and other non-routine uses
  • Identify delivery and business-use eligibility traps
  • Coordinate Motorcycle with Auto, Home and Personal Umbrella
  • Build a complete, quote-ready motorcycle account 

The $8,000 Custom-Equipment Surprise
Motorcycles are frequently personalized.
A rider may think an additional $8,000 in saddlebags, electronics, seats, exhaust, chrome, wheels, paint, and other equipment is simply “part of the bike.”
The producer's job is to inventory those additions and verify how the proposed policy actually treats them. 

Don't Forget the Rider
This guide teaches an important operating principle:
Insure the rider's real-world motorcycle exposure—not merely the VIN.
That means investigating the rider, passengers, use, equipment, storage, and broader household liability picture—not simply obtaining enough information to generate a premium. 

Learn How to Find the Business, Too
Knowing how to insure motorcycles is only part of the opportunity.
The guide includes an entire How to Find & Attract Motorcycle Prospects chapter covering opportunities among existing Auto/Home clients, first-time motorcycle buyers, riders upgrading bikes, multiple-bike households, newly licensed riders, returning riders, touring riders, and appropriate dealership, shop, and rider-community relationships. 
It also provides consumer questions that can attract motorcycle prospects, a ready-to-use conversation opener, and a complete 30-Day Motorcycle Prospecting Plan built around:
  • FIND THE RIDERS →
  • BECOME USEFUL →
  • BUILD RELATIONSHIPS →
  • ROUND & RETAIN 
More Than Motorcycle Coverage Basics
This is a practical producer field guide.
It includes eight reusable producer tools and checklists, customer conversation examples, skill-building exercises, E&O and documentation guidance, and 10 real-world producer scenarios using the FYI Express+ discipline:
  • HEAR →
  • ASK →
  • VERIFY →
  • DOCUMENT →
  • NEXT SAFE ACTION 
Built for Real-World Producers
Use this guide for:
  • New Producer Training
  • Experienced Producer Development
  • Desk Reference
  • Agency Meetings
  • Coverage Reviews
  • Specialty Personal Lines
  • Prospecting
  • Account Rounding
  • E&O Awareness
National Edition — motorcycle forms, insurance requirements, UM/UIM rules, medical-related coverages, equipment treatment, and underwriting appetite can vary by state and insurer. Producers are taught to verify the actual motorcycle form, endorsements, carrier rules, and applicable jurisdictional requirements rather than assume an Auto policy rule applies. 

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