Antique Car

A car of the private passenger type that is at least twenty-five years old and which is maintained solely for use in functions of interest to the public, such as club activities, exhibitions and parades and used for other purposes on occasions.

Classic Car

A private passenger car that is at least 10 years old and may be used on a regular basis. The value may be significantly greater than for vehicles of comparable make and model year due to limited production, workmanship or special construction.

Conversion Van/Customized Pickup

Vans, pickups, or utility vehicles which have conversion packages of more than $10,000 of custom parts and equipment.

Electric Car

Vehicles with one or more electric motors for propulsion. They are designed for highway use and can exceed 35 mph.

Fifth-Wheel

Similar to the conventional model, but has a raised forward section above a fifth wheel coupling device, creating a unique bi-level dimension; specially designed devices are generally mounted to pickup beds.

Golf Cart

Golf Carts are three of four wheel motorized vehicles of limited power used on gold courses for purposes of carrying one or more individuals and their golf equipment. Electric Cars designed for highway use that do not exceed 35 miles per hour are rated as a Golf Cart.

High Value Vehicle

Vehicles produced by the following makes are considered High Value Vehicles: AM General, Aston Martin, Bentley, Ferrari, Lamborghini, Lotus, Maserati, Maybach, Rolls-Royce or vehicle with a cost new amount greater than $150,000.

Motor Home

A Motor Home is a self-propelled motor vehicle having a living area constructed into the chassis. The living area must include cooking and sleeping facilities.
Conventional (MHA) Class A – Built on a truck chassis with one single can and living compartment constructed by an RV manufacturer.
Camper Van (MHB) Class B – A van type vehicle which conforms to the Motor Home definition. Generally the original van manufacturer’s van body shell remains visible and all other features are installed by the RV manufacturer. (Does not include Conversions Vans because they do not meet the definition above.)
Mini (MHC) Class C – Built on a van ot truck chassis with the original manufacturers cab typically remaining visible. The RV manufacturer constructs all other features.

Pickup Camper

A portable camper body designed to be loaded onto and unloaded from a pickup truck and is designed to provide temporary living quarters for recreational or camping use by the named insured. Pickup campers cannot be used as permanent residence or for business or commercial purposes.

Pop Up Tent Trailer

Constructed with collapsible sidewalls that fold or slide down for easy towing by a light vehicle. Typically less than 12 feet long. Ranges from 15 to 23 feet (when opened). Very basic with few luxuries. Larger unit may contain refrigerator, stove and/or furnace, and may sleep up to eight people.

Recreational Cargo Trailer

These are specific types of Travel Trailers or Fifth Wheel Trailers that have a special compartment in the back to transport horses, ATVs, etc.

Recreational Trailer

Designed for vacation / camping use. Towed by an automobile or truck with a bumper hitch. Equipped with bathing, cooking and sleeping facilities. May have additional options such as air conditioning and awnings.

Regular Auto

A private passenger auto is a four or six wheel motor vehicle that is either owned or leased under the provisions of a long term contract of at least six months, and that is neither used as a public or private livery conveyance for passengers nor rented to others without a driver.

Utility / Horse Trailer

Any trailer that does not include living quarters shall be considered as a horse / utility trailer, which also includes transport trailers.

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