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Social Factors: Insurance Industry Involvement Table of ContentsHomenhtsa

Motorist Awareness

Insurance Industry Involvement

Enforcement & Adjudication

Traffic Safety Community Attitude


Insurers can provide incentives to encourage and enhance motorcycle safety and can provide information about motorcycle loss data to help determine where future safety measures are needed.

Insurers employ limited avenues to enhance and encourage motorcycle safety.

• Some insurance companies offer premium discounts for motorcyclists who have taken an MSF-recognized rider training course (see Rider Education & Training, page 17). Some states also require such incentives (see Appendix J).

• An inordinate number of motorcycle crashes occur when unlicensed riders are operating the motorcycle. However, not all insurers verify that all operators have a motorcycle license, endorsement, or make a valid endorsement a requirement for the policy to be effective (see Licensing, page 21).

Motorcycle insurers are not currently required to provide motorcycle-specific loss data for analysis or use in a safety-related database as they are, for example, with automobiles.


Insurers could further motorcycling safety efforts and reduce their own losses by supporting certain responsible riding practices with incentives.

• Specify that all users of insured motorcycles must possess a valid motorcycle operator’s license for coverage to be effective.

• Provide premium discounts to motorcyclists who have received a certificate of completion or equivalent from an appropriate (i.e., basic or experienced) MSF-recognized rider-training course.

Insurers could help devise safety countermeasures by providing loss information to motorcycle safety and traffic safety organizations.


The insurance industry should work with the motorcycling community and other entities concerned with motorcycle safety to understand the loss patterns of motorcycling and reward safe motorcyclists with incentives. Insurers should:

• Offer incentives for rider training.

• Encourage proper licensing for motorcycle operators of insured vehicles and discourage use by improperly licensed operators.

• Create a system for collecting loss data that can be used to devise safety countermeasures.

• Offer insurance discounts for remaining crash-free.


• Insurers should write policies that stipulate that coverage or certain portions of coverage are not valid if the owner permits an unlicensed or improperly licensed operator to use the motorcycle.

• Collect, organize, analyze, and distribute motorcycle-specific loss data from insurers to better understand safety issues, and to educate riders and other motorists on motorcycling safety issues.

• Develop guidelines for insurers to tie approved training, licensing, and safe-riding practices to premium reductions.

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