Program Features


A New Recreational Vehicle Policy
Our new Road & Trail policy offers a range of coverage options for recreational vehicles to provide the best fit for our policyholders’ insurance needs.
Road & Trail Vehicle Types
  • UTV or Side by Side
  • Snowmobile/Snowmachine
  • ATV
  • Moped or Motor Scooter
  • Autocycle
Featured Coverages
Replacement Cost, Agreed Value, or Actual Cash Value
Help take away the uncertainty of knowing how much you would receive for your vehicle.
Common Loss Deductible
Whenever a claim involves more than one Umialik policy, only the highest deductible applies. It’s beneficial to have all policies with Umialik!
Custom Equipment
$1,500 coverage included for those extra accessories associated with the vehicle. Additional limits available.
Trailers
Coverage available for the transporation of recreational vehicles and cargo trailers designed to be pulled by the recreational vehicle.
Rider Safety Apparel
We value your safety as much as you do while operating your recreational vehicle. We include $1,000 of coverage for your safety apparel, but offer additional limits.
Expanded Optional Coverages
  • Accessories and Custom Equipment
  • Safety Riding Apparel
  • Carried Contents
  • Trip Interruption
  • Transportation Expense
  • Loan / Lease