Recreational Vehicles

Easy Rating Options Available

Ineligible Risks

• Any car with lifted and fitted 20 inch wheels or greater is not acceptable.
• Any car that underwriting has deemed to have unsafe modifications is not acceptable.
•   Any vehicle which is being held for the use of its parts for another vehicle is not acceptable
• “Monster Trucks” built to enhance off-road speed and handling with their most identifiable characteristic being extremely large tires and suspension.
• Any off road designed vehicle with a lift of 4 inches or more or equipped with a winch or other modifications that serve the specific purpose of enhancing the vehicle’s performance when used off road. Other modifications that meet these criteria are subject to the underwriter’s discretion. 
• Dune buggies or other vehicles designed for use on sand dunes, beaches, or desert recreation.
• Mass produced electric vehicles are not acceptable.
• Any usage or usage frequency not consistent with hobbyist/enthusiast purposes.
• Annual usage is expected to be around 3,000 miles. Usage exceeding 7,500 miles per year requires prior underwriting approval. 
• Insured’s principal means of transportation or substitute transportation for any regular use vehicle.
• Driving to or from work more than 2 times per week. Must have the Occasional Commuting Endorsement to drive a maximum of 2 times per week to work
•   Business or commercial use in excess of promotional use. Must have the Promotional Use endorsement for individuals involved in quasi-business pursuits with their collector vehicles. This would include vehicles that are sponsored to attend shows/events, vehicles utilized in business advertisements, and other similar types of activities.
• Driveway or outside storage is not acceptable. The garaging facility must be a permanent, solidly constructed, structure that is fully enclosed and all entryways must have a functioning locking mechanism to prevent loss from adverse weather conditions, vandalism, and/or theft.
• Vehicles held for sale or consignment are not acceptable.
• All non excluded operators must maintain a regular use vehicle with a separate insurance policy for that vehicle.
• Operators requiring an SR-22 filing.
• Any of the following within 36 months prior to the inception date of the policy is not acceptable:  License suspension;  License revocation;  License cancellation; or  License barred
• Operator without a valid license is not acceptable. Expired license must be remedied
• Operators with less than 9 years driving experience are not eligible as primary or occasional operators on Exotic units, non-exotic that are highly modified for performance, motorcycles, or premium kit cars.
• Any operator less than 16 years of age 
• Any operator less than 25 years of age with any violation or at fault accident