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Key Changes to the Foremost
Off-Road Vehicle, Dirt Bike and Snowmobile Programs in 2007

In 2007, Foremost is making it easier for you to compete in the off-road vehicle and snowmobile insurance market, thanks to the following important product and rating changes.

 

Change	What's Different?*	Selling Advantage for You*
$500 Optional Equipment Coverage (ATVs, Snowmobiles and Dirt Bikes)	Customers now have $500 in Optional Equipment Coverage when they purchase Physical Damage coverage.	Excellent coverage for valuable equipment, such as radios, electronics and custom equipment.
New Segments for All-Terrain Vehicles	ATVs are now segmented into three different rating classes: regular, sport and utility.	More competitive rates by segment.
Value Rating for Dune Buggies and Golf Carts	Values of these units can vary widely. Now we can rate according to the actual physical damage exposure for each risk.	More rating segments based on value. Better match of price to risk level. Optional equipment and accessories are now included in the overall value of the vehicle, simplifying the rating process.
Increased Dune Buggy Binding Limit	We've increased the maximum binding limit for dune buggies from $30,000 to $50,000.	More high-end units now qualify for coverage.
Personal Responsibility Level "A" Allows One Violation	Customers with one minor moving violation can still qualify for our best rate segment.	More customers can now get our best rates, making this program even more competitive.
No Operator Age Requirement for PRL "A" and "B"	Our best two rate segments now include operators under age 25.	Better rates for younger customers and families with operators under 25 years old.
New $750 Deductible for Comp and Collision	Customers can now select a $750 deductible for Comprehensive and Collision Coverage. Other options are $250, $500 and $1,000	Greater flexibility and potential premium savings.
Reduced DRL Surcharge for Accidents and Violations	Many customers with at-fault accidents and moving violations will receive a lower surcharge.	Lower rates for selected customers.
Remove Joint-Ownership Surcharge	Off-road vehicles owned by more than one person will no longer be subject to a surcharge.	Lower rates for jointly owned off-road vehicles.
New Classification for Unlicensed NEVs	Neighborhood Electric Vehicles (NEVs) used exclusively off-road will be rated in a new segment in Arizona starting in late 2007.	More choices! NEVs used only for off-road travel will be accepted in the Foremost ORV program (Arizona).

Important Note: Most of changes listed below will be available in during 2007. To find out when specific changes are effective in your area, please visit the State News Map on ForemostSTAR®. Or call your Foremost Marketing Representative toll-free at 1-800-237-6136.

Quoting Note: When rate changes are effective in your area, they will be built directly into online quotes you can get on ForemostSTAR®. No waiting. No extra paperwork. It's that easy!

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2007 Motorcycle Changes
2007 Off-Road Vehicle and Snowmobile Changes
Neighborhood Electric Vehicle Program (Arizona)
Tentative Effective Dates
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* This is not a policy document. Not all products, coverages, options, discounts and features are available in all areas. Some changes are not effective until later in 2007. To find out when specific changes are effective in your area, please visit the State News Map on ForemostSTAR^®. Or call your Foremost Marketing Representative toll-free at 1-800-237-6136.