| Ineligible Vehicles |
- 3-wheel recreational vehicles (other than on-road trikes and autocycles)
- Vehicle used in racing or other exhibitions
- Turbo, Nitro or other engine performance modifications
- Custom built recreational vehicles/motorcycles
- ATV over 1800 lbs
|
- Dune buggy/sandrail
- Go-kart
- Snobear
- Snocub
- Snocoach
- Snogrizz
|
| Liability |
- Maximum liability on a recreational vehicle or motorcycle can not exceed liability on the underlying auto policy
- Liability is required on all vehicles
|
| Maximum Number of Passengers |
- 2 passengers-motorcycles (most types)
- 1 passenger ATV
- Up to 4 UTV
- Refer to manufacturer’s recommended guidelines
|
| Maximum Vehicle Value |
- $35,000 Motorcycle
- $30,000 Recreational Vehicle
- $25,000 Snowmobile/Snowmachine
|
| Physical Damage/Custom Equipment |
- Vehicles must be less than 20 years old to add physical damage
- Vehicle values that we are unable to validate will require documentation
- Contact underwriter for custom equipment over $10,000
|
| Supporting Policy |
A supporting auto policy with Western National is required |
| Title/Ownership |
- Vehicles must be titled to the named insured
- No more than 1 additional insured may be titled on the vehicle
|
| Trailers |
Trailers designed to haul or be hauled by Road & Trail vehicles |
- Values over $5,000 contact Underwriter
- Over 30 ft contact Underwriter
|
| Vehicle Use |
- Vehicles regularly available to non-household members are ineligible
- Vehicles used in farming, business, delivery are ineligible
- Rented or leased to others are ineligible
|
