Vehicle Guidelines

Subject Eligibility
All-Terrain Vehicles Refer to Road & Trail Policy.
Antique Autos Coverage not available.
Campers Campers are eligible but must be specifically listed for physical damage to apply.
Collector Cars Coverage not available.
Customization Customization over $10,000 refer to Underwriting.
Dune Buggies and Kit Cars Coverage not available.
Golf Cart Coverage available under Umialik Insurance Homeowner Policy or Road & Trail Policy depending on usage of cart.
Maximum Vehicle Value Prior approval is required for all vehicles valued over $100,000.
Modified Vehicles Coverage not available.
Motorcycles and Mopeds Coverage not available.
Motorized Bicycles Coverage available under Umialik Insurance Homeowner Policy or Road & Trail Policy.
Motorhomes Underwriting approval required for units over $140,000. Maximum Value $200,000 (Coverage based on current value).
Newly Acquired Autos Liability Coverage: Liability coverage must be requested within 14 days.
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 requested 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 four days.
Scooters and Dirt Bikes Refer to Road & Trail Policy.
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 resident child. Refer to Additional Insured section of Optional Coverage endorsements for other co-titling scenarios.
Transportation Network Vehicles Refer to Underwriting.
Vehicle Age - Over 20 Years Photo required; do not bind Physical Damage coverage.
Vehicle Condition Vehicle must be in good condition; no preexisting damage if physical damage coverage requested.
Vehicle Performance Driver experience will be considered with high performance vehicles. Prior approval is required on all vehicles over $100,000.
Vehicle Sharing Coverage is not available for vehicles enrolled in a vehicle sharing program.
Vehicle Usage Business: Using your auto in the course of your employment, profession, or business; titled to named insured only; no signage.
Farm: The vehicle's primary use is in service of the policyholder's farm or ranch, and the vehicle is kept at that farm or ranch.