| Ineligible Vehicles |
- 3-wheel recreational vehicles (other than on-road trikes and autocycles)
- Vehicle used in racing or other exhibitions
- Turbo, Nitro or other engine performance modifications
- Custom built recreational vehicles
|
- Dune Buggy/sandrails
- Go-karts
- Snobears
- Snocub
- Snocoach
- Snogrizz
|
| Liability |
- Maximum liability on a recreational vehicle can not exceed liability on the underlying auto policy
- Liability is required on all vehicles
|
| Maximum Number of Passengers |
- 1 passenger ATV
- Up to 4 passengers UTV
- Refer to manufacuter’s recommended guidelines
|
| Maximum Vehicle Value |
- $30,000 Recreational Vehicle
- $25,000 Snowmobile/Snowmachine
|
| Physical Damage/Custom Equipment |
- Vehicles must be less than 20 years old to add physical damage
- Vehicle values that we are unable to validate will require documentation
- Contact Underwriter for custom equipment over $10,000
|
| Supporting Policy |
A supporting auto policy with Umialik is required |
| Title/Ownership |
- Vehicles must be titled to the named insured
- No more than 1 additional insured may be titled on the vehicle
|
| Trailers |
Trailers designed to haul or be hauled by Road & Trail vehicles |
- Values over $5,000 contact Underwriter
- Over 30 ft contact Underwriter
|
| Vehicle Use |
- Vehicles regularly available to non-household members are ineligible
- Vehicles used in farming, business or delivery are ineligible
- Rented or leased to others are ineligible
|
