Road & Trail

Vehicle Guidelines

Western National Road & Trail vehicle guidelines
Subject	Eligibility
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