Optional Coverage Endorsements

Subject	Endorsement Name and Form Number	Description or Use
Additional Insured	Additional Insured - Lessor MT 03 06	Names lessors as an additional insured.
Additional Insured	Trust Endorsement MT 03 21	To be added when an owned recreational vehicle is in the name of a trust rather than an individual.
Agreed Value	Agreed Value Coverage MT 03 12	Predetermined value available on select vehicle types.
Business Use	Coverage for Motorcycles Used in Business MT 03 18	Contact Underwriter
Combined Single Limit	Single Liability Limit MT 03 03	One Limit for Liability and Property Damage for sublimits per person/ accident and property damage.
Custom Equipment - Rec Vehicle/Snowmobile	Increased Limits Custom Equipment Coverage MT 03 15	Additional or custom equipment for the unit. Options include: Chrome Accessories, Wheels, Custom Paint, Electronics, Saddlebag, Windshield, Mower Attachment, Plow blade, Tow-behind trailer, Winch. $1,500 Included Up to $10,000 is available
Driver Exclusion	Named Driver Exclusion MT AK 0010	Policy coverages will not apply to the driver named
Electronic Equipment	Electronic Equipment Coverage MT 03 17	All Road & Trail vehicles; After factory installation of speakers or sound system and navigation and internet systems; and/or $200 coverage for tapes, records, discs, other media
Gap Coverage	Loan Lease Coverage MT 03 10	Coverage if loan or lease balance on a Road & Trail vehicle is greater than the value of that vehicle
Government Business Usage	Federal Employees Using Motorcycles in Government Business MT 03 01	Limits who is an insured under part A when a Road & Trail vehicle is used in government business
Loan/Lease	Loan Lease Coverage MT 03 10	Coverage if loan or lease balance on a Road & Trail vehicle is greater than the value of that vehicle
Mexico Coverage	Limited Mexico Coverage MT 03 63	Extends coverage for a Road & Trail vehicle insured on the policy for accidents occurring in Mexico on a trip of 10 days or less and within 25 miles of U.S. boarder. Contact Underwriter to add coverage
Passenger Hazard Exclusion	Passenger Hazard Exclusion Endorsement MT 03 11	Bodily Injury coverage is not available for a passenger while riding a Road & Trail vehicle
Personal Contents Coverage	Personal Contents Coverage MT CW 0032	Provides direct and accidental loss to personal contents owned by the insured or family member while being carried or stored in the covered Road & Trail vehicle. $250 or $500 Deductible Up to $3,000 available
Recreational Vehicle	Recreational Vehicle Endorsement MT AK 00 07	Provides coverage for Recreational Vehicle, Recreational Vehicle Cargo Trailer or Recreational Vehicle Transposrt Trailer; includes $1,000 Rider Safety Apparel Additional Coverage
Rental Reimbursement	Transportation Expense Coverage MT 03 16	Provides temporary transportation expenses arising from loss or damage to a covered Road & Trail vehicle.
Rental Vehicle- Physical Damage	Coverage For Damage To a Rental Vehicle MT 03 25	Comprehensive and/or collision is provided for direct and accidental loss to rental vehicle, including it's equipment (up to $1,500), minus any applicable deductible. Coverage is only available if underlying physical damage coverage is not purchased on owned vehicle
Replacement Cost	Replacement Cost Coverage MT CW 0008	Extends coverage to a specified vehicle on a replacement cost basis Collision and Other Than Collision is required Only vehicles two years old or less are eligible Insured must be the first owner and the vehicle has not been previously titled
Rider Safety Apparel	Increased Limits Rider Safety Apparel Coverage MT 03 05	Apparel designed to minimize injury resulting from a Road & Trail vehicle accident; Including but not limited to helmets, riding clothes, riding boots, riding gloves, protective eyewear and earware; $1,000 included; no deductible applies
Snowmobile / Snowmachine	Snowmobile Endorsement MT 03 68	Covers Liability and physical damage loss coverage, on an actual cash value basis, for off premise use of an owned snowmobile, snowmobile cargo trailer or snowmobile transport trailer. Includes Rider Safety Apparel Additional Coverage at $1,000
Trip Interruption	Trip Interruption Coverage MT 03 69	Covers transportation expense due to mechanical or electrical breakdown of a specified Road & Trail vehicle, lodging and food expenses when insured's Road & Trail vehicle becomes inoperable for more than 24 hours and over 100 miles from home; Maximum limit of expense $600
Towing	Towing and Labor Cost Coverage MT 03 19	Pays for towing and labor costs when the insured's Road & Trail vehicle is disabled. Available limits up to $100 per disablement
Uninsured / Underinsured	Uninsured/Underinsured Motorist Coverage MT AK 0026	Payment of compensatory damages when limits of liability applicable to the underinsured motor vehicle has been exhausted or when liability limits are applicable to the uninsured vehicle
Uninsured / Underinsured	Uninsured/Underinsured Motorist Coverage MT 04 29