Watercraft

Driver-Claim-Violation Eligibility

A supporting Auto policy with Western National is required to write a Watercraft policy.

Western National Watercraft claim and violation eligibility
Claim and Violation Eligibility
Watercraft	One moving violation per driver One at-fault accident per household in last three years A youthful operator (24 and under) may only have one minor violation in the prior three years to be eligible; No at-fault accidents allowed
	No major violations in the prior five years No open losses No prior watercraft liability losses in the prior three years
	More than one minor driving violation per driver, more than one vehicle at fault accident per household, and major driving violations over three years old may be accepted, refer to Underwriter prior to binding.

Western National Watercraft driver eligibility
Driver Eligibility
Any Coverage Declined or Nonrenewed	Ineligible
Delivery Driver or Business Use	Ineligible
Occasional Operator outside of your household with Major Violation, Excess Violations, or At-Fault Accidents	Ineligible
License Status	All rated and unrated household members (of age) must have valid drivers license or ID that is not suspended, revoked, or canceled.
License State	Both driver's license and watercraft registration need to be in policy contract state.
Named Insured - Inexperienced Operator (Licensed for less than three years)	Ineligible
Named Insured Under 22 Years of Age	Parental support required Named insured has at least three years of driving history in the US Without parental supporting business or previous insurance with Western National, no drivers under 20 are eligible for a Watercraft policy Must provide documentation of watercraft safety training course
Prior Insurance	All drivers must have maintained continuous Personal Auto insurance for at least the preceding 12 months If a watercraft was owned previously, prior watercraft liability insurance is required
Safety Training	Youthful operators and household members under 18 years old must provide documentation of watercraft driver training Adult drivers that apply for safety training discounts will also need to provide their documentation of course certification
SR22 (Financial Responsibility Filing)	Ineligible
Suspended or Revoked Driver's License in Previous Five Years	Ineligible