Eligibility Guidelines

Vehicle Usage & Mileage

OpenRoad policies allow insured vehicles to be used for:

• Car club functions
• Exhibitions and shows
• Organized meets, tours, and rallies
• Pleasure driving

Insured vehicles may not be used as primary or regular daily transportation.

Seasonal or limited commuting to work may be considered on an exception basis for certain vehicles, subject to underwriting review and state availability.

Mileage Guidance

• Annual mileage of 3,500 miles or less is generally consistent with collector vehicle usage.
• Mileage up to 7,500 miles annually may be considered depending on:
  
  • Vehicle type
  • Vehicle age
  • Condition
  • Storage
  • Household vehicle profile

Mileage expectations may vary for:

• Collector trucks
• Specialty vehicles
• Vehicles model year 1990 and newer

Specific vehicle categories may have additional usage or mileage requirements.

Storage Requirements

When your collector car isn't out on the road, we want to make sure it's well protected. OpenRoad recommends storing your vehicle in a fully enclosed, secure structure, such as:

• Private garages
• Pole barns
• Car condominiums
• Enclosed storage units

Every situation is unique, other storage arrangements may be available depending on your state and underwriting review.

Acceptable Storage (with conditions)

Carports

• Considered in most states, except where restricted by state guidelines
• Must have 24-hour security (alarm, guard, or video surveillance)
• Must be limited-access and not open to the public
• Assigned parking spaces are preferred

Parking Garages

• Considered in most states, except where restricted
• Must have 24-hour security (alarm, guard, or video surveillance)
• Must be limited-access and not open to the public
• Assigned parking spaces are preferred

Enclosed Vehicle Trailers / Enclosed Structures

• Must be fully enclosed
• The trailer or enclosed structure must be in a safe and secure area

Driveway Storage (limited circumstances)

• May be considered only in select states
• Vehicle value restrictions may apply
• Certain vehicle types (including motorcycles and modified vehicles) may not be eligible
• Coastal proximity restrictions may apply in some states

Unacceptable Storage

• Temporary or soft-sided structures (canvas, plastic, tents, domes, or similar)
• Street parking
• Parking lots
• Public or unrestricted parking garages

Driver Eligibility

Drivers must meet OpenRoad’s underwriting standards.

Coverage is generally not available for drivers with serious driving infractions, including but not limited to:

• Excessive speed violations
• Reckless driving
• Alcohol-related offenses

All household drivers are subject to underwriting review.
Typically:

• One or two minor violations or at-fault accidents may be acceptable
• Patterns of loss, severity concerns, or recent serious activity may affect eligibility

Daily-Use Vehicle Requirements

All licensed household drivers must have separate, reliable daily-use transportation.

Guidelines include:

• Generally one daily-use vehicle per licensed driver
• Fewer vehicles than drivers may be considered subject to underwriting review
• Daily-use vehicles must be insured in the applicant’s name

The following are not generally considered acceptable daily-use vehicles:

• Motorcycles
• Public transportation
• Shared or informal access vehicles

Vehicles That May Not Qualify

Not all vehicles qualify for coverage. Certain vehicles may be ineligible based on their risk profile or how they are used.

Examples include:

• Vehicles used as daily drivers
• Off-road or recreational vehicles
• Vehicles used for commercial or business purposes
• Vehicles used for racing or competitive driving
• Motorcycles

Claims History & Disclosure

Applicants must disclose prior claims, losses, and vehicle thefts in accordance with underwriting requirements.

Loss history may impact:

• Eligibility
• Pricing
• Required underwriting review
• Coverage terms or conditions

Material misrepresentation or omission may result in declination, cancellation, or rescission as permitted by law.

Liability Coverage Guidelines

OpenRoad recommends carrying liability limits that are consistent with or lower than those on your Personal Auto Policy (PAP). If a PAP is not in place, a Business Auto Policy (BAP) may be considered, provided it includes appropriate personal liability endorsements such as:

• Drive Other Car (DOC)
• Individual Named Insured (INI)

State-specific maximum liability limits may apply when coverage is written in conjunction with a BAP only.