| All-Terrain Vehicles |
Refer to Specialty Market* |
| Antique Autos |
Refer to Specialty Market* |
| Camper Bodies/Trailers |
Premium is based on original cost new and current stated amount |
| Collector Cars |
Refer to Specialty Market* |
| Public Records |
No public records in five years (bankruptcy, repossession, judgments, tax liens, foreclosure) |
| Driver |
Drivers under the age of 23 require parent’s policy as supporting coverage |
| All residents, dependents (licensed or not) including children away at school and/or those covered by another policy, and any regular operators must be listed. This includes roommates. |
| Dune Buggies and Kit Cars |
Refer to Specialty Market* |
| Golf Cart (licensed for road use) |
See Homeowner section |
| Mileage |
Autos driven in excess of 50 miles one way to work or school are ineligible. |
| Modified Vehicles |
Refer to Specialty Market* |
| Motorcycles, Mopeds, Scooters, and Motorbikes |
Refer to Specialty Market* |
| Motorhomes |
Premium charge based on stated amount; Underwriting approval required for units over $120,000. |
| Newly Acquired Autos |
Liability Coverage: If the newly acquired vehicle is an additional vehicle, ask to insure the vehicle within 14 days. If the newly acquired vehicle is a replacement vehicle, liability coverage is provided without asking to insure it. |
| Physical Damage Coverage: if other than collision or collision coverage already applies to at least one vehicle on the policy, physical damage coverage must be asked for on the newly acquired vehicle within 14 days. If other than collision or collision coverage does not apply to at least one vehicle on the policy, then other than collision or collision coverage for the newly acquired vehicle must be added within 4 days. |
| Prior Insurance |
Continuous coverage required. |
| Snowmobiles |
See Homeowner Section* |
| Title / Ownership of Vehicles |
All vehicles on policy must be titled to named insured, spouse, or domestic partner. Vehicles may be co-titled to parent and child. |
| Uber/Lyft |
Coverage not available |
| Vehicle Age - Over 20 Years |
Photo required; do not bind Physical Damage coverage. |
| Vehicle Type |
Vehicles designed and constructed specifically for speed may be ineligible for coverage and must be referred to Underwriting prior to binding coverage; operators of high performance vehicles must be 25 or over and have clean driving records; prior approval is required for all vehicles valued over $80,000 |
| Vehicle Use |
Pleasure: All pleasure use or commuting to work or school < 3 miles one way |
| Work Less than 15: Commuting to work or school ≥ 3 miles but < 15 miles one way |
| Work More than 15: Commuting to work or school 15 miles or ≥ one way |
| Business: Using your auto in the course of your employment, profession, or business. |
| Farm: The auto is garaged on a farm or ranch, and its primary use is in service of the policyholder’s farm or ranch. |
| 6/1/2018 |
| * Umialik does not offer coverage specific to antique autos, collector cars, or modified autos. |
