Optional Coverage Endorsements

Subject	Endorsement Name and Form Number	Description or Use
Additional Insured	Additional Insured - Lessor MT 03 06	Names lessors as an additional insured
Additional Insured	Trust Endorsement MT 03 21	To be added when an owned motorcycle, recreational vehicle or snowmobile is in the name of a trust rather than an individual
Agreed Value	Agreed Value Coverage MT 03 12	Predetermined value available on select motorcycles and other vehicle types.
Business Use	MT 03 18 (IA, SD, MN) MT 03 43 (WI)	Contact Underwriter
Combined Single Limit	Single Liability Limit MT 03 03	One Limit for Liability and Property Damage for sublimits per person/ accident and property damage
Custom Equipment-Motorcycle / Rec Vehicle / Snowmobile	Increased Limits Custom Equipment Coverage MT 03 15	Additional or custom equipment for the unit. Options include: Chrome Accessories, Wheels, Custom Paint, Sidecar, Trike Kits, Electronics, Saddlebag, Windshield, Handlebars/control, Mower Attachment, Plow blade, Tow-behind trailer, Winch $1,500 Included Up to $10,000 is available
Electronic Equipment	Electronic Equipment Coverage MT 03 17	All Road & Trail vehicles; After factory installation of speakers or sound system and navigation and internet systems; and/or $200 coverage for tapes, records, discs, other media
Gap Coverage	Loan Lease Coverage MT 03 10	Coverage if loan or lease balance on a Road & Trail vehicle is greater than the value of that vehicle
Government Business Usage	Federal Employees Using Motorcycles in Government Business MT 03 01	Limits who is an insured under part A when a Road & Trail vehicle is used in government business
Loan/Lease	Loan/Lease Coverage MT 03 10	Coverage if loan or lease balance on a Road & Trail vehicle is greater than the value of that vehicle
Mexico Coverage	Limited Mexico Coverage MT 03 06 MT 03 63	Extends coverage for a Road & Trail vehicle insured on the policy for accidents occurring in Mexico on a trip of 10 days or less and within 25 miles of U.S. border. Contact underwriting to add coverage
Passenger Hazard Exclusion (MN, SD, WI only)	Passenger Hazard Exclusion Endorsement MT 03 11	Bodily Injury coverage is not available for a passenger while riding a Road & Trail vehicle
Personal Contents Coverage	Personal Contents Coverage MT CW 0011	Provides direct and accidental loss to personal contents owned by the insured or family member while being carried or stored in the covered a Road & Trail vehicle $250 or $500 deductible Up to $3,000 available
Recreational Vehicle	Recreational Vehicle Endorsement MT MU 0006	Provides coverage for Recreational Vehicle, Recreational Vehicle Cargo Trailer or Recreational Vehicle Transport Trailer; includes $1,000 Rider Safety Apparel Additional Coverage
Rental Reimbursement	Transportation Expense Coverage MT 03 16	Provides temporary transportation expenses arising from loss or damage to a covered Road & Trail vehicle
Replacement Cost	Replacement Cost Coverage MT CW 0008	Extends coverage to a specified vehicle on a replacement cost basis Collision and Other Than Collision is required Only vehicles two years old or less are eligible Insured must be the first owner and the vehicle has not been previously titled
Rider Safety Apparel	Increased Limits Rider Safety Apparel Coverage MT 03 05	Apparel designed to minimize injury resulting from a Road & Trail vehicle accident; Including but not limited to motorcycle helmets, riding clothes, riding boots, riding gloves, protective eyewear and earware; $1,000 included; no deductible applies
Snowmobile / Snowmachine	Snowmobile Endorsement MT 0313	Covers liability and physical damage loss coverage, on an actual cash value basis, for use of an owned snowmobile, snowmobile cargo trailer or snowmobile transport trailer. Includes Rider Safety Apparel Additional Coverage at $1,000
Trip Interruption	Trip Interruption Coverage MT 03 14	Covers transportation expense due to mechanical or electrical breakdown of a specified Road & Trail vehicle, lodging and food expenses when insured's Road & Trail vehicle becomes inoperable for more than 24 hours and over 100 miles from home; Maximum limit of expense $600
Towing	Towing and Labor Cost Coverage MT 03 19	Pays for towing and labor costs when the insured's Road & Trail vehicle is disabled. Available limits up to $100 per disablement
Underinsured Motorist	Underinsured MotoristCoverage MT 03 04 MT WI 0030 MT SD 0029	Payment of compensatory damages when the limits of liability applicable to the underinsured motor vehicle has been exhausted