Union Riding Jacket – Harley-Davidson Women’s 3-in-1 (98108-24VW)

A jacket built for one season is easy. A jacket built for every ride, in every condition, is harder to get right. The Union Riding Jacket from Harley-Davidson’s Women’s 3-in-1 Textile collection (98108-24VW) is an updated take on a longtime rider favorite, refined with new styling, a drawcord waist, a fish tail hem, and reflective piping for better visibility.

Retailers carrying the jacket, including Warr’s Harley-Davidson, list it as part of a full women’s riding jacket lineup, and it’s easy to see why it holds a place there: it’s built to handle daily rides, extended road trips, and everything in between.

The Shell Union Riding Jacket

The outer jacket is made from heavyweight polyester twill that’s waterproof and seam sealed, keeping riders dry in genuinely soggy conditions rather than just light drizzle.

That seam sealing matters more than it sounds. A breakdown of taped seam construction explains that stitching alone leaves thousands of tiny needle holes in a garment, and a waterproof tape has to be heat-bonded over each seam to actually close them off. Without that step, a jacket can be made from waterproof fabric and still leak.

Outdoor gear guides describe the same process in taped seams, noting that this tape acts like an extension of the jacket’s waterproof membrane, sealing the exact points where water would otherwise get in. Apparel makers focused on technical outerwear go further, explaining in a piece on seam-sealed construction that a garment can be labeled waterproof fabric and still fail at the seams unless this extra step is taken. The Union jacket’s seam-sealed shell is built specifically to avoid that gap.

The Liner Union Riding Jacket

Pull the shell off and the Union Riding Jacket becomes something else entirely. The removable cotton and polyester French Terry hoodie features a jersey-lined drawstring hood, a sturdy zip front, and rib-knit trim, giving riders a genuine standalone layer instead of a thin afterthought liner.

French Terry earns its place here for a reason. Fabric guides describing French Terry construction explain that its smooth outer face and looped inner texture make it warmer and more breathable than a flat knit, while cotton-poly blends add durability and reduce shrinkage compared to pure cotton versions. That’s exactly the balance a hoodie needs when it’s expected to work as both a warm mid-layer and a casual piece worn on its own.

The Details That Matter at Speed

Reflective piping isn’t a cosmetic add-on either. A look at how Harley-Davidson adopted 3M Scotchlite for its Motorclothes line explains that the material was chosen for the extremely high percentage of light it reflects back toward its source, letting reflective gear light up in headlights from a claimed distance of up to 500 feet.

3M’s own overview of Scotchlite reflective material describes the underlying science as retroreflection, where light rays are returned directly toward the source that cast them, rather than scattering in random directions the way ordinary fabric does. Safety-focused riding guides on nighttime visibility gear reinforce why this matters so much for riders specifically, since motorcycles are already harder for drivers to spot after dark than a car or truck.

What Defines This Union Riding Jacket

Key features:

• Heavyweight polyester twill outer shell, waterproof and seam sealed
• Removable cotton-poly French Terry hoodie with a jersey-lined drawstring hood
• Drawcord waist and fish tail hem for an updated, tailored silhouette
• Reflective piping for added visibility in low light
• D3O Ghost armor options at the shoulders and elbows, with back armor available separately
• Three wearing modes: full jacket, shell only, or hoodie only

Retailer listings confirming the jacket’s construction, including Wisconsin Harley-Davidson’s product notes on the broader 3-in-1 lineup, echo the same core formula across the collection: a removable hoodie, an action back, pre-curved sleeves, and armor pockets built to hold CE-certified D3O Ghost protection.

Spec Snapshot Union Riding Jacket

Built for Where This Jacket Fits In

Details like the official Harley-Davidson product page for the Union jacket confirm the same story from the source: this is an enhanced version of a past rider favorite, not a new concept, refined with updated styling and better weatherproofing rather than reinvented from scratch.

At Flick Leathers, we carry the Union Riding Jacket alongside the rest of our women’s riding lineup, including leather riding jackets for colder days and leather vests for warm-weather layering. Shops looking to stock versatile, all-season riding gear can check our wholesale program.

Frequently Asked Questions

Is the Union Riding Jacket actually waterproof, or just water-resistant? The outer shell is made from waterproof, seam-sealed polyester twill, meaning the seams are taped to close the needle holes left by stitching, not just treated with a light water-repellent coating.

Does this Union Riding Jacket include armor? It includes armor pocket options built for D3O Ghost armor at the shoulders and elbows, with back armor available as a separate purchase.

Can I wear the hoodie by itself? Yes. The removable cotton-poly French Terry hoodie is built to work as a standalone casual layer, complete with its own zip front and drawstring hood.

Why does reflective piping matter on a riding jacket? Reflective material like 3M Scotchlite is designed to bounce light directly back toward its source, meaning the jacket becomes significantly more visible to drivers in headlights after dark.

What is a fish tail hem? It’s a longer, tapered cut at the back of the jacket, designed to offer extra coverage while seated on the bike without adding bulk to the front.

How should I layer this Union Riding Jacket for cold weather? Zip the French Terry hoodie into the outer shell for maximum warmth, or wear the shell alone with a base layer underneath for milder, wet-weather rides.

What part number should I look for when ordering? Confirm part number 98108-24VW to make sure you’re getting the correct Women’s Union 3-in-1 Textile Riding Jacket.

Ready for Whatever the Ride Brings

The Union Riding Jacket earns its “rider favorite” reputation by solving a real problem: most jackets are built for one kind of day. This one isn’t. Waterproof shell, removable hoodie, and real reflective visibility come together in a jacket that adjusts instead of asking you to plan around it. Explore the rest of our women’s riding gear at Flick Leathers and build a kit ready for every ride.