Woman in a red helmet sitting on a scooter in an urban parking lot.

Road & Trail

Driver Eligibility

A supporting Auto policy with Western National is require to write a Road & Trail policy

Subject Eligibility
Any Coverage Declined or Nonrenewed Ineligible
Delivery Driver or Business Use Ineligible
License Status
  • All rated and unrated household members (of age) must have valid DL# or ID that is not suspended, revoked, or canceled
  • All motorcycle operators require valid motorcycle endorsement
License State Both driver's license and vehicle registration should be in policy contract state
Household Member, or Occasional Operator Outside of your Household with Major Violation, Excess Violations or At-Fault Accidents Ineligible
Named Insured is Inexperienced Operator (Licensed for less than 3 years) Ineligible
Named Insured under 22 Years of Age
  • Parental support required.
  • Named insured has at least 3 years driving history in the US
Prior Insurance
  • All drivers must have maintained continuous auto insurance for at least the preceding 12 months if needed
  • If a recreational vehicle was owned previously, prior recreational vehicle liability insurance is required
Safety Training
  • Must have a valid motorcycle endorsement on their license if insuring a motorcycle
  • Youthful operators and household members under 18 years old must provide documentation of recreational vehicle driver training
  • Adult drivers that apply for safety training discounts will also need to provide their documentation of course certification pertinent to the vehicle they are driving
SR22 (Financial Responsibility Filing) Ineligible
Supporting Auto Must have current Western National auto policy
Suspended or Revoked License in previous 5 years Ineligible
Youthful Operator (24 and under)
  • Youthful operators of supersport, sport bike, street bike or standard/naked bikes are ineligible