Claim and Violation Eligibility


Snowmachine and Recreactional Vehicle
  • 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 recreational 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.
General Eligibility
  • A supporting auto policy with Umialik.
  • If no supporting auto policy, contact Underwriting