Surcharges Structural or Performance Modification

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1 Table of Contents California Motorcycle ATV Snowmobile Golf Cart Product Guide Safeco Insurance Company of Illinois 2012 Liberty Mutual Insurance What s New Effective Date of Revised Material Updates Eligibility Guidelines Binding Authority Verification Motorcycle Safety Course or Instructor Mature Driver Improvement Association Trikes Physical Damage Verification Vehicle Information Garaging Address Model Year Vehicle Type Rating Stated Amount Rated Vehicles Operator Information Driver Classification Operator and Vehicle Assignment Household Members Operator Exclusions Driving Record Accidents and Violations At-Fault Accidents Not At-Fault Accidents Driving Record Charges Coverage Options Bodily Injury Liability Property Damage Liability Guest Passenger Combined Single Limit Medical Payments Uninsured/Underinsured Motorists Uninsured Motorists Physical Damage Physical Damage Coverage Custom Parts and Equipment Coverage and Safety Riding Apparel Roadside Assistance Package Trip Interruption Coverage Minimum Written Premium Surcharges Structural or Performance Modification Discounts Motorcycle Safety Course Multi-Cycle Companion Policy Persistency Mature Driver Improvement Course Association (Affinity Group Program) Recovery Device Good Driver Policy Changes Endorsements or Changes on Policies Cancellation and Continuing with a Lapse Cancellation Continuing with a Lapse Additional/Return Premium Policy Term Companies and Copyrights 1

2 What s New What s New Effective Date of Revised Material 01/14/11 New Business 01/14/11 Renewal Business Updates Vehicle Information section has been updated 6 Custom Parts and Equipment Coverage and Safety Riding Apparel rule has been updated 12 Roadside Assistance Package rule has been updated 13 Trip Interruption Coverage rule has been updated 13 Structural or Performance Modification rule has been updated 14 Multi-Cycle discount requirements have been updated 15 Back to Table of Contents Safeco Insurance Company of Illinois 2

3 Eligibility Guidelines Click here to be directed to the Eligibility Guidelines document. Eligibility Guidelines and Binding Authority Binding Authority Click here to be directed to the Binding Authority document. Back to Table of Contents Safeco Insurance Company of Illinois 3

4 Verification Verification Verification of Motorcycle Safety Course discounts, mature driver improvement and association is required. When a policy has been selected for verification, you will receive a screen message instructing you to print the fax verification sheet as part of the print package. Complete the form and fax it to us (Safeco) along with any requested documents. Fax these items immediately whenever possible. If verification is not received within 20 calendar days of the request or 42 days after the policy inception, whichever is sooner, we will re-rate the policy accordingly. Motorcycle Safety Course or Instructor Acceptable proof documents include a completion certificate. The credit will drop three years after the completion date on the certificate unless recertified prior to the next policy period. Mature Driver Improvement Acceptable proof documents include a completion certificate for California state-approved mature driver improvement course. The credit will drop three years after the completion date on the certificate unless recertified prior to the next policy period. Association Membership in an approved Motorcycle Association Group. Acceptable proof documents include any of the following: membership card other appropriate membership documentation Back to Table of Contents Safeco Insurance Company of Illinois 4

5 Verification Trikes Conversion package verification required on all trikes. All of the following proof documents are required: photos showing both sides of the trike copy of the title receipts substantiating value or conversion manufacturer Failure to send in all of the above information within our verification time frame may result in the removal of coverage. Physical Damage Verification When physical damage coverage is requested for limited production cruisers and vehicles 25 years old or older which are new to the policy, the following verification must be faxed to us, subject to the verification time frame: photos showing both sides of the vehicle copy of the title receipts substantiating value or dealer appraisal Failure to send in the above information may result in the removal of physical damage coverage. Back to Table of Contents Safeco Insurance Company of Illinois 5

6 Vehicle Information Vehicle Information Garaging Address Entering the address where the vehicle is principally garaged will allow the system to automatically assign the proper territory and rating factor For students with a vehicle away from home, you should rate the vehicle at the policyholder s principal garaging address. Model Year The original Motorcycle/ATV/Snowmobile/Golf Cart manufacturer assigns the model year. If the vehicle is rebuilt or structurally altered, the model year of the chassis determines the model year of the vehicle. The cycle age will be computed by subtracting the model year of the motorcycle/atv/snowmobile/golf cart from the term effective year of the policy. Vehicle Type Rating Motorcycle/ATV/Snowmobile/Golf Cart symbols will be assigned by the agent using a lookup table. If a vehicle does not have a symbol assigned it will be assigned by the agent using a symbol definition sheet containing pictures and descriptions. Stated Amount Rated Vehicles Stated amount vehicles are vehicles requiring physical damage coverage that fall into the limited production cruiser vehicle type classification or all vehicles 25 years of age or older. Any itemized custom parts and equipment for a vehicle applies towards the maximum insurable amount for the vehicle. Physical damage coverage on stated amount vehicles provides coverage up to the lesser of actual cash value or the stated amount specified by your customer. It is your customer s responsibility to update the stated amount of the insured vehicle. Back to Table of Contents Safeco Insurance Company of Illinois 6

7 Operator Information Operator Information Driver Classification Operators are classified by age, sex and marital status. Age means the age attained on the last birthday. Married means an operator who meets the local statutory definition of married. Resident means anyone residing in the same household except an individual in active military service with the armed forces of the United States of America shall not be considered a resident in the household unless such individual customarily operates the motorcycles or ATVs. Operator and Vehicle Assignment Our rating system will assign operators to vehicles automatically. You are required to list all operators of the described Motorcycles/ATVs/Snowmobiles. In addition, indicate those operators who are restricted to dirt Motorcycles/ATVs/Snowmobiles. Household Members All operators of the described vehicles within the household must be listed for coverage to apply. Only household members are eligible for rated coverage. Vehicles can not be split between households. Operator Exclusions Your customer may exclude an operator to avoid cancellation or non-renewal in accordance with California Insurance Code Back to Table of Contents Safeco Insurance Company of Illinois 7

8 Driving Record Driving Record Accidents and Violations All driving record activity must be shown on the application. Comprehensive Loss Underwriting Exchange (CLUE) reports and motor vehicle records (MVRs) will be utilized to verify the information provided. Please stress the importance of full disclosure to avoid additional premium or policy cancellation. Any unrevealed driving activity will be added to the driving record and the policy will be re-rated accordingly. At-Fault Accidents A chargeable accident is one in which the driver s actions or omissions were at least 51 percent of the proximate cause of the accident, and, in accidents not resulting in death, the total loss or damage caused by the accident exceeds $750. Not At-Fault Accidents Not at-fault accidents do not receive a surcharge. Driving Record Charges Level are assessed to the operator as follows: Violations Violation Type Level 2 minors or less, 0 at-fault accident or major minors, 1 at-fault accident or 1 major minors and 1 at-fault accident minors and 1 major minors, 2 at-fault accidents or 2 majors 2 3 at-fault accident 3 Any combination of Level 1 violations 2 Any combination of Level 2 violations 3 The experience period is 36 months prior to the effective date of the policy. Back to Table of Contents Safeco Insurance Company of Illinois 8

9 Coverage Options Coverage Options Coverage descriptions are for informational purposes only. Please refer to the policy for actual coverage descriptions. Bodily Injury Liability Limits (in thousands) Property Damage Liability Limits (in thousands) Guest Passenger Limits (in thousands) Limits (Amended: 04/07/06) 15/30 25/50 30/60 50/ / / /30 25/50 30/60 50/ / / Liability Coverages Combined Single Limit of Liability (in thousands) Medical Payments Coverage Limits Uninsured/Underinsured Motorists Limits (in thousands) Uninsured Motorists Physical Damage Limits Limits (Amended: 04/07/06) $ 1,000 2,500 5,000 10,000 15/30 25/50 30/60 50/ / / $3,500 Back to Table of Contents Safeco Insurance Company of Illinois 9

10 Coverage Options Physical Damage Coverages Comprehensive Physical Damage Coverage Deductibles Collision Physical Damage Coverage Deductibles Limits $ ,000 $ ,000 Custom Parts and Equipment Coverage and Safety Riding Up to $20,000 Apparel Roadside Assistance Package $300 Bodily Injury Liability Bodily injury is a mandatory coverage. Each vehicle on the policy must carry the same bodily injury limits. (See Liability Coverages table.) Property Damage Liability Property damage is a mandatory coverage. Each vehicle on the policy must carry the same property damage limits. (See Liability Coverages table.) Guest Passenger Guest passenger coverage is a mandatory coverage for street vehicles. Limits must be the same as bodily injury. This is an optional coverage for all dirt vehicles. If guest passenger is selected for any dirt vehicle it must be selected for all vehicles on the policy. (See Liability Coverages table.) Combined Single Limit Combined single limit is a single limit of liability that applies to bodily injury and property damage with no per person or property damage sublimit. Uninsured/ underinsured motorists and guest passenger are not included in combined single limit but may be purchased separately. (See Liability Coverages table.) Medical Payments Medical payments is an optional coverage. Each vehicle on the policy must carry the same limit of medical payments. (See Liability Coverages table.) Back to Table of Contents Safeco Insurance Company of Illinois 10

11 Coverage Options Uninsured/Underinsured Motorists This coverage: is a required coverage for all street vehicles unless specifically rejected in writing by your customer limits may not exceed the bodily injury limits if selected, must be the same on all street vehicles on the policy at the same limits is an optional coverage for all dirt vehicles if selected for one dirt vehicle, must be selected for all vehicles on the policy at the same limits (See Liability Coverages table.) Uninsured Motorists Physical Damage This coverage: is a required coverage for all street vehicles unless specifically rejected in writing by your customer limits may not exceed the physical damage limits if selected, limits must be the same on all street vehicles on the policy at the same limits is not available without uninsured/underinsured motorists is an optional coverage for all dirt vehicles if selected for one dirt vehicle, must be selected for all vehicles on the policy at the same limits Uninsured motorists physical damage loss with collision coverage on policy will waive deductible. (See Liability Coverages table.) Physical Damage Coverage Comprehensive and collision deductibles may be different. Collision coverage is not available without comprehensive coverage. No physical damage only policies will be written. (See Physical Damage Coverages table.) Back to Table of Contents Safeco Insurance Company of Illinois 11

12 Coverage Options Custom Parts and Equipment Coverage and Safety Riding Apparel (Effective NB: 01/14/11 RB: 01/14/11) SA-2562EP Custom Parts or Equipment Custom parts and equipment covers after-market nonoriginal factory installed equipment, devices, accessories, enhancements and changes which alter the appearance or performance of the insured vehicle. this will include, but is not limited to: any electronic equipment that is permanently installed using bolts or brackets sidecars trike conversion kits trailers to be pulled behind the insured vehicle custom paint, exhaust or plating safety riding apparel, in excess of $1,000 For coverage to apply in excess of the $3,000 limit of liability, custom parts & equipment must be declared on the new business application or endorsement. The additional value of equipment must be endorsed onto the policy within 30 days of purchase for coverage to apply. It is strongly recommended to maintain proof of purchase and value documentation to assist in loss settlement. Comprehensive coverage must be present. Deductibles are the same as physical damage deductibles. The deductible is waived on loss to safety apparel due to a covered peril. Safety riding apparel is not covered under the peril of theft. Safety riding apparel is covered, at no additional premium, up to $1,000 per person for loss resulting from collision while occupying your covered Motorcycle. In addition to the $1,000 in safety riding apparel coverage per person, the first $3,000 (per vehicle) of custom parts and equipment is covered at no extra premium. There is a $2,000 maximum limit per vehicle for custom paint and a $500 maximum limit per helmet. The maximum insurable amount for custom parts and equipment is $20,000 per vehicle. (See Physical Damage Coverages table.) Back to Table of Contents Safeco Insurance Company of Illinois 12

13 Coverage Options Roadside Assistance Package (Effective NB: 01/14/11 RB: 01/14/11) SA-2736EP Roadside Assistance Coverage In order to qualify, comprehensive and collision coverage must be present. Roadside assistance package provides: towing expense to the nearest qualified repair facility labor at the time and place of disablement due to: electrical or mechanical breakdown dead battery flat tire lack of essential fluids (fuel, oil, water or other fluid) trip charges Roadside Assistance will not be available for Snowmobiles. Trailers being towed by motorcycle or ATV will also be covered. (See Physical Damage Coverages table.) The maximum out of network occurrence limit is $300. Trip Interruption Coverage (Effective NB: 01/14/11 RB: 01/14/11) If you pay a premium for Roadside Assistance coverage, we will pay up to $400 per occurrence for lodging, meals and transportation costs when a covered Comprehensive or Collision loss occurs more than 100 miles from your primary residence. Trip interruption coverage is only available for vehicles that are licensed and registered for street use. No deductible applies to this coverage. Trip Interruption will not be available for Snowmobiles. Minimum Written Premium Per Policy Liability Only Full Coverage $75 $150 Back to Table of Contents Safeco Insurance Company of Illinois 13

14 Surcharges Surcharges Structural or Performance Modification (Effective NB: 01/14/11 RB: 01/14/11) A 50 percent surcharge will apply to all coverages, excluding roadside assistance, when the performance of the Motorcycle/ATV/Snowmobile has been enhanced through the addition of a turbo kit or when any structural modification or physical alteration of the frame has occurred. Back to Table of Contents Safeco Insurance Company of Illinois 14

15 Discounts Discounts Discount Name Requirements % Credit Coverages Motorcycle Safety Course (See Verification requirements.) Multi-Cycle Companion Policy Persistency Must have a certificate verifying completion of a course or an instructor certificate within the past three years. Credit will continue up to three years after completion date. The policy contains more than one Motorcycle/ATV/Snowmobile/Golf Cart. Any supporting Safeco personal lines property and casualty insurance product for the named insured. The policy remains in effect with us for three consecutive years without a lapse in coverage. 5% 15% 5% 15% Bodily injury, property damage, guest passenger liability, medical, collision and custom parts and equipment All coverages excluding roadside assistance All coverages excluding roadside assistance All coverages excluding roadside assistance Back to Table of Contents Safeco Insurance Company of Illinois 15

16 Discounts Discount Name Requirements % Credit Coverages Mature Driver Improvement Course (See Verification requirements.) The criteria listed below are met: Operator is 55 years old or older. Operator has completed a California state-approved mature driver improvement course. Discount is applicable for three years after the date of course completion. If your customer is involved in an at-fault accident or is convicted of a moving violation or traffic-related offense involving alcohol or narcotics during the three-year discount period the discount will be cancelled. 5% All coverages Back to Table of Contents Safeco Insurance Company of Illinois 16

17 Discounts Discount Name Requirements % Credit Coverages Association (Affinity Group Program) (See Verification requirements.) Association in any of the below listed groups. This discount will only be applied once, regardless of the number of associations. American Motorcycle Association (AMA) BMW Motorcycle Owners of America (BMWMOA) Gold Wing Touring Association (GWTA) Harley Owners Group (HOG) Motorcycle Safety Foundation (MSF) Honda Riders Club of America (HRCA) Venture Touring Society (VTS) Women on Wheels (WOW) Buell Riders Adventure Group (BRAG) Riders Association of Triumph (RAT) Blue Knights Red Knights Star Society A Brotherhood Aiming Towards Education (ABATE) Ducati Desmo Club 5% All coverages excluding roadside assistance Back to Table of Contents Safeco Insurance Company of Illinois 17

18 Discounts Discount Name Requirements % Credit Coverages Association (Affinity Group Program) (See Verification requirements.) Recovery Device Desmo Owners Group Christian Motorcycle Association (CMA) GoldWing Road Riders Association (GWRRA) Indian Riders Group (IRG) Moto Guzzi National Owners Group (MGNOC) Rstar Touring and Riding Association (RSTAR) United Sidecar Association (USCA) Vulcan Riders Association (VRA) American Legion Riders (ALR) This discount is not included in the additive discounts or surcharges. The vehicle is equipped with a device that uses a radio frequency network in conjunction with a participating police agency to locate the vehicle. 5% All coverages excluding roadside assistance 10% Comprehensive coverage Back to Table of Contents Safeco Insurance Company of Illinois 18

19 Discounts Good Driver Discount Name Requirements % Credit Coverages The criteria listed below are met: Discount applies for each operator qualifying for good driver status in accordance with section of the California Insurance Code. Operator is licensed for Motorcycle for the past three years and has no more than one Department of Motor Vehicles (DMV) violation point during that time. Operator has not had any driving under the influence of alcohol (DUI) citations within the past 10 years. This discount is not included in the additive discounts or surcharges. 20% All coverages Back to Table of Contents Safeco Insurance Company of Illinois 19

20 Policy Changes Policy Changes Endorsements or Changes on Policies Additional coverage will be afforded by endorsement and will run concurrently with the policy term. The addition of coverage will not alter the premium due date of the term during which the additional coverage is attached or affect the premium due date of the policy term. Fifth-Vehicle Policies Fifth-vehicle policies are input by a company operator. Please contact the Service center for assistance. When additional coverage is added the rate for the added coverage will be prorated for the number of days the added coverage is to run from its effective date to the next ensuing premium due date. If the policy has already been billed for the next term when the endorsement is processed the charge for the additional coverage will be computed from the effective date of the change to the end of the next term. The policy coverage as written is automatically renewable on the premium due date for successive periods by payment of required premiums. Back to Table of Contents Safeco Insurance Company of Illinois 20

21 Cancellation and Continuing with a Lapse Cancellation There will be a $50 minimum earned premium if the policy is cancelled during the first policy term. All insured requested cancellations including cancellation for non-payment of premium will be computed 90% pro-rata. Cancellations initiated by us will be computed pro-rata. Continuing with a Lapse If a payment is postmarked or is received by us within 60 days of the cancellation, a policy may be eligible to continue with a lapse in coverage. The new term begin date will be effective the time and day the coverage is bound by you or the day after the postmark, whichever is earlier. Cancellation and Continuing with a Lapse Additional/Return Premium We will compute any additional or return premium pro rata. If additional premium is due, we will bill your customer with instructions to pay the additional premium directly to us (Safeco). Return premium checks will be issued by us and sent to your customer. Policy Term Policies are issued with a one-year term. Back to Table of Contents Safeco Insurance Company of Illinois 21

22 Companies and Copyrights Companies and Copyrights 2012 Liberty Mutual Insurance Safeco Insurance Company of Illinois Back to Table of Contents Safeco Insurance Company of Illinois 22