Competition Exclusion - Massachusetts

AC 200 MA 07 18

PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY COMPETITION EXCLUSION - MASSACHUSETTS

The following amendments change the policy. Please read your entire policy for full details about your coverages. Under the Definitions provision, the following definition is added: Paddock means the area at the race course where racing vehicles are parked. It does not include any pit area, or the track/course or its entrance or exit lanes. Part 1. Bodily Injury To Others, Part 2. Personal Injury Protection, Part 3. Bodily Injury Caused By An Uninsured Auto, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others, Part 6. Medical Payments and Part 12. Bodily Injury Caused By An Underinsured Auto Under the Exclusions provision, the following exclusion is added: We will not pay for loss caused by or resulting from anyone: a. Involved in any prearranged, organized, or spontaneous race or involved in: 1. Preparation for a race of this type, but only while in any pit area, on the track or racecourse or its entrance or exit lanes; or 2. Practicing or qualifying for a race of this type. A race includes any contest for speed or endurance, whether against another competitor or against a time measuring device. b. Using your covered auto at a: 1. Racing facility; or 2. Facility or roadway temporarily designated for speed, time, racing, or performance driving events. This includes, but is not limited to, the use of your covered auto at a performance or racing driving school, a rally in excess of the legal speed limit, or a closed road rally. However, paragraphs a.1. and b. of this exclusion do not apply while your covered auto is: 1. In a race facility’s paddock area or a specified show display area; 2. Being trailered from one location to another; 3. Used by you to attend a racing event as a spectator; 4. Being operated for purposes of display in any pre- or post-race parade laps; or 5. Involved in an organized event on open, public roads while operated within legal speed. c. Using your covered auto to prepare, practice or qualify for, or participate in, any of the following activities, regardless of where they take place: 1. Forced hydraulic bouncing competitions or exhibitions; 2. Pulling against another vehicle, or pulling of a weighted object competitions or exhibitions, but not including trailer pulling; 3. Stereo thumping competitions or exhibitions; or 4. Any other similar competitive or exhibition activity that a reasonable person could foresee may cause injury or damage. However, paragraph c. of this exclusion does not apply while your covered auto is: 1. In a facility or a specified show display area and is not involved in any competitive or exhibition activity described in this paragraph; 2. Being trailered from one location to another; or 3. Used by you to attend an event as a spectator.

AC 200 MA 07 18 Page 1 of 2 AC 200 MA 07 18

Part 7. Collision, Part 8. Limited Collision, Part 9. Comprehensive, and Limited Trailer and Paddock Collision Coverage Endorsement – Massachusetts Under the Exclusions provision, the following exclusion is added: We will not pay for loss caused by or resulting from your covered auto while: a. Involved in any prearranged, organized, or spontaneous race or involved in: 1. Preparation for a race of this type, but only while in any pit area, on the track or racecourse or its entrance or exit lanes; or 2. Practicing or qualifying for a race of this type. A race includes any contest for speed or endurance, whether against another competitor or against a time measuring device. b. Used at a: 1. Racing facility; or 2. Facility or roadway temporarily designated for speed, time, racing, or performance driving events. This includes, but is not limited to, the use of your covered auto at a performance or racing driving school, a rally in excess of the legal speed limit, or a closed road rally. However, paragraphs a.1. and b. of this exclusion do not apply while your covered auto is: 1. In a race facility’s paddock area or a specified show display area; 2. Being trailered from one location to another; 3. Used by you to attend a racing event as a spectator; 4. Being operated for purposes of display in any pre- or post-race parade laps; or 5. Involved in an organized event on open, public roads while operated within legal speed. c. Used to prepare, practice or qualify for, or participate in, any of the following activities, regardless of where they take place: 1. Forced hydraulic bouncing competitions or exhibitions; 2. Pulling against another vehicle, or pulling of a weighted object competitions or exhibitions, but not including trailer pulling; 3. Stereo thumping competitions or exhibitions; or 4. Any other similar competitive or exhibition activity that a reasonable person could foresee may cause injury or damage. However, paragraph c. of this exclusion does not apply while your covered auto is: 1. In a facility or a specified show display area and is not involved in any competitive or exhibition activity described in this Section; 2. Being trailered from one location to another; or 3. Used by you to attend an event as a spectator.

All other policy provisions apply.

AC 200 MA 07 18 Page 2 of 2 AC 400 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY VALUE–ADDED ENDORSEMENT - MASSACHUSETTS

This additional insurance is provided for no extra premium subject to the provisions of this endorsement and in compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached. Under Definitions, 7.B. and 7.B.1. are replaced by the following: 7. Your covered auto – means: B. Any newly acquired vehicle or replacement of a vehicle shown in the Coverage Selections Page or Schedule on the date you become the owner during the policy period. Coverage is provided for newly acquired or replacement collectible vehicles of the following types: 1. Antique vehicles and classic vehicles, provided that: a. It is in stock condition and has not been modified from the original manufactured design; b. You ask us to insure it within ninety (90) days after you become the owner; and c. We insure all of your collector vehicles. Under Part 7. Collision, Part 8. Limited Collision and Part 9. Comprehensive, the limit provided on this vehicle will be the least of the following: a. The purchase price; b. The verifiable value; c. The highest limit of coverage available for any one vehicle already insured under the policy; or d. $5,000,000. An endorsement must be issued to fully cover any newly acquired or replacement antique vehicle(s) or classic vehicle(s) you acquire. Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools whether attached or not. Personal effects includes items usually carried by tourists and travelers which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment; spare parts; or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above. Part 1. Bodily Injury To Others, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others AND Part 6. Medical Payments The following coverage is added:

AC 400 MA 07 18 Page 1 of 5 AC 400 MA 07 18 Temporary Excess Worldwide Coverage For Owned And Newly Acquired Collector Vehicles If you purchase a new antique vehicle or classic vehicle, or temporarily relocate your covered auto shown in the Coverage Selections Page or Schedule, outside the United States of America, its territories or possessions, or Canada, your coverage under Part 1. Bodily Injury To Others, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others, and Part 6. Medical Payments will apply to the operation or use of that vehicle by you or any household member provided: 1. The insured vehicle is not in any country, territory or waterway in which The Office of Foreign Assets Control ("OFAC") of the US Department of the Treasury has administered and enforced economic and trade sanctions. 2. An underlying policy of automobile liability insurance is purchased or provided at or above the minimum liability limits required by the country or jurisdiction in which the vehicle is being operated. We will pay only that part of a covered loss that exceeds the limit of liability of that underlying policy; or, absent such underlying policy, the minimum liability limits required by the country or jurisdiction in which the vehicle is being operated or liability limits of $50,000 USD per person/$100,000 USD per accident, whichever is lower. However, under no circumstances will we pay more than the limit of liability shown in the Coverage Selections Page or Schedule of this policy. 3. This coverage extension applies for ninety (90) days from the date of purchase or the day your covered auto arrives in the foreign country or jurisdiction. However, this period may be extended by us in writing. Under the Legal Action Against Us provision, the following is added: Under this Temporary Excess Worldwide Coverage For Owned And Newly Acquired Collector Vehicles provision, any legal action seeking damages must be brought in the United States of America. Warning In Mexico, and other countries, only liability coverage purchased from a local licensed insurance company will meet the auto insurance requirements of that country. Failure to purchase any required insurance policy could result in fines or other penalties.

Part 7. Collision And Part 8. Limited Collision Waiver Of Collision Deductible When there is a loss to your covered auto insured for Part 7. Collision or Part 8. Limited Collision, no deductible will apply if the loss was caused by a collision with another auto insured by us.

Part 7. Collision, Part 8. Limited Collision, And Part 9. Comprehensive The second and third paragraphs under Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive, are deleted and replaced by the following: In case of a total loss or constructive total loss, we will pay the Guaranteed Value® limit shown under this Part in the Coverage Selections Page or Schedule for each scheduled vehicle, which is agreed to be the Guaranteed Value® of your covered auto. This limit of liability shown for each vehicle is increased by two percent at the end of each three month period after the policy effective date. Upon expiration of the policy period, the limit reverts back to the Guaranteed Value® limit shown in the Coverage Selections Page or Schedule. This amount is used to process your renewal unless you request a change in the amount of insurance to which we must also agree. We will not pay for any decrease in value claimed to result from the loss. For all other loss or damage to your covered auto, we will pay the amount necessary to repair the property or replace it with similar kind and quality, whichever is less, without regard to depreciation or betterment, but we will not pay more than the Guaranteed Value® per vehicle shown under this Part in the Coverage Selections Page or Schedule.

AC 400 MA 07 18 Page 2 of 5 AC 400 MA 07 18 The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: A. Comprehensive, only if the Coverage Selections Page or Schedule indicates that Comprehensive Coverage is provided for your covered auto. B. Collision, only if the Coverage Selections Page or Schedule indicates that Collision or Limited Collision Coverage is provided for your covered auto. Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. The loss to your covered auto occurs more than fifty (50) miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least twenty-four (24) hours. Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto.

AC 400 MA 07 18 Page 3 of 5 AC 400 MA 07 18 Spare Parts Under General Provisions And Exclusions, 20. is replaced by: 20. Spare Parts Under Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive we will pay up to $1,500, or the amount shown in the Coverage Selections Page or Schedule, for spare parts. Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. Vehicle VIN Theft And Fraudulent Title Coverage We will pay, without a deductible, for expenses reasonably and necessarily incurred by you to establish ownership as a result of the fraudulent and unlawful use of the Vehicle Identification Number (VIN) by others. We will also pay for the loss of the vehicle if the title of your covered auto is shown to be fraudulent, you did not know it was fraudulent, and the vehicle is confiscated by a public authority. This includes reasonable attorney fees with prior notice and approval by us. Limit Of Liability Our limit of liability during any one policy period shall be the least of: 1. The cost to establish ownership and clear the title; 2. The Guaranteed Value®; or 3. $50,000. Part 2. of Limited Vehicle Fraud Coverage provided in the Enthusiast Essentials Endorsement - Massachusetts is deleted. The following provisions are added: Coverage For Accidental Deployment Of An Airbag In addition, we will pay, without application of a deductible, up to $1,500 for the cost to repair or replace an airbag passive restraint system that accidentally deploys when not caused by a collision or comprehensive loss. Vehicle Lock Coverage In addition, we will pay, without application of a deductible, up to $1,500 for a loss to keys for your covered auto which includes: 1. The cost to duplicate or replace lost or stolen keys; 2. The labor costs to retrieve keys accidentally locked in the vehicle; or 3. The cost to re-key the vehicle locks when the keys are lost, stolen, or the vehicle is stolen and then recovered. Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. AC 400 MA 07 18 Page 4 of 5 AC 400 MA 07 18 General Provisions And Exclusions 3. Additional Costs We Will Pay Paragraph C. is replaced by the following: C. Up to $1,000 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request.

All other policy provisions apply.

AC 400 MA 07 18 Page 5 of 5 AC 113 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY TRAVELING COLLECTOR ENDORSEMENT – MASSACHUSETTS This additional insurance is provided subject to the provisions of this endorsement and in return for an additional premium and compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached.

Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools whether attached or not. Personal effects includes items usually carried by tourists and travelers, which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment; spare parts; or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above.

Part 7. Collision, Part 8. Limited Collision And Part 9. Comprehensive The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: A. Comprehensive, only if the Coverage Selections Page or Schedule indicates that Part 9. Comprehensive coverage is provided for your covered auto. B. Collision, only if the Coverage Selections Page or Schedule indicates that Part 7. Collision coverage or Part 8. Limited Collision coverage is provided for your covered auto. Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. The loss to your covered auto occurs more than fifty (50) miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least twenty-four (24) hours.

AC 113 MA 07 18 Page 1 of 2 AC 113 MA 07 18 Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $750 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Spare Parts The limit shown in the Coverage Selections Page or Schedule for spare parts is increased by $750. Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. The following provision is added: Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. All other provisions of the policy apply.

AC 113 MA 07 18 Page 2 of 2 AC 114 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY LEGENDARY RIDETM ENDORSEMENT - MASSACHUSETTS

This additional insurance is provided subject to the provisions of this endorsement and in return for an additional premium paid and compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached. Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools, whether attached or not. Branded merchandise includes items featuring the name and/or logo of a collector vehicle’s make or model. Such items may include clothing, accessories or other collectables associated with your covered auto. Personal effects includes items usually carried by tourists and travelers which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment, spare parts, or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above.

Part 7. Collision, Part 8. Limited Collision, And Part 9. Comprehensive The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: A. Comprehensive, only if the Coverage Selections Page or Schedule indicate that Part 9. Comprehensive coverage is provided for your covered auto. B. Collision, only if the Coverage Selections Page or Schedule indicate that Part 7. Collision coverage or Part 8. Limited Collision coverage is provided for your covered auto. Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. The loss to your covered auto occurs more than 50 miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least 24 hours.

AC 114 MA 07 18 Page 1 of 2 AC 114 MA 07 18 Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Branded Merchandise Coverage We will pay up to $250 for direct and accidental loss or damage to branded merchandise. If the branded merchandise is a key fob or keychain, this coverage will not pay for the cost to duplicate lost or stolen keys, nor will it pay for the cost to re-key the vehicle locks. However, we will not pay for loss to branded merchandise caused by theft unless the loss results from forcible entry. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Spare Parts The limit shown in the Coverage Selections Page or Schedule for spare parts is increased by $1,500. Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. The following provision is added: Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. All other policy provisions apply.

AC 114 MA 07 18 Page 2 of 2 AC 115 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY MOTORSPORTS ADVANTAGETM ENDORSEMENT – MASSACHUSETTS

For an additional premium, this coverage applies only to your covered auto designated in the Coverage Selections Page or Schedule with Motorsports Advantage™. Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools, whether attached or not. Personal effects includes items usually carried by tourists and travelers which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment, spare parts, or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above. Safety equipment includes portable equipment used or worn by you or any person on your covered auto during the operation of collector vehicles. This includes: a. Helmets; b. Gloves; c. Goggles; d. Footwear; e. Portable fire extinguishers; or f. Flame-retardant racing suits.

AC 115 MA 07 18 Page 1 of 3 AC 115 MA 07 18 This coverage applies only if: 1. The loss to your covered auto occurs more than 50 miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least 24 hours. Limit of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Debris Removal Coverage We will pay up to $2,500 for the cleanup and removal of your covered auto for losses occurring at a racing facility or facility or roadway temporarily designated for speed, time, racing, or performance driving events. This coverage does not include damage to the racing facility or track, including barriers, walls or equipment, or for any costs incurred for the removal, remediation or restoration of any polluted land or water. In no event will this coverage pay for loss or damage to your covered auto. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Safety Equipment Coverage We will pay up to $500 for direct and accidental loss or damage to safety equipment used in conjunction with your covered auto. We will not pay for loss to safety equipment unless the safety equipment is made available for inspection after a loss. We will not pay for loss to helmets unless they comply with Federal Motor Vehicle Safety Standards. Our limit of liability for safety equipment will be the lessor of: 1. The actual cash value of the safety equipment; or 2. The cost to repair or replace the damaged safety equipment with others of like kind and quality. Spare Parts The limit shown in the Coverage Selections Page or Schedule for spare parts is increased by $1,500.

AC 115 MA 07 18 Page 2 of 3 AC 115 MA 07 18 Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. The following provision is added: Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. All other policy provisions apply.

AC 115 MA 07 18 Page 3 of 3 AC 201 MA 07 18

PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY

NAMED DRIVER EXCLUSION ENDORSEMENT - MASSACHUSETTS

It is agreed that the person named below as an Excluded Operator will not operate the vehicle(s) described in the Coverage Selections Page, or any replacement or additional vehicles acquired, under any circumstances whatsoever. The policyholder and the Excluded Operator understand and agree that the insurance company will not pay under the optional insurance parts of the policy for any injury or damage arising out of the operation or use of the described vehicle(s) by the Excluded Operator(s). This restriction applies even if the insured’s permission was given to the driver.

Name of Excluded Operator(s)

By signing below, the undersigned acknowledge and agree that this Named Driver Exclusion Endorsement form will remain in effect for all of the vehicles on the policy, including any additional or replacement vehicles which may be added in the future, and for the term of the policy, as well as any subsequent policy renewals, replacements, reinstatements, endorsements, continuations or amended policies until the policyholder and the insurance company withdraw this form in writing.

Signature of Named Insured Date

Signature of Excluded Operator Date

All other policy provisions apply.

Includes copyrighted material of Automobile Insurers Bureau of Massachusetts. AC 201 MA 07 18 Page 1 of 1 AC 007 MA 07 18

PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY MEDICAL PAYMENTS COORDINATION OF BENEFITS ENDORSEMENT - MASSACHUSETTS

Optional Insurance Under Part 6. Medical Payments, the following sentence is added after the first sentence: The coverage of this Part is always secondary to and in excess of any health benefit plan which allows for coordination of benefits under Massachusetts law and the Personal Injury Protection coverage of this policy or any other Massachusetts automobile insurance policy.

All other policy provisions apply.

Includes copyrighted material of Automobile Insurance Bureau of Massachusetts, 2016 AC 007 MA 07 18 Page 1 of 1 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

2. ELIGIBILITY A. Coverage may be afforded to vehicles defined in Rule 1. if: 1. They are written with physical damage coverage with our company, and 2. They are owned by an individual, or by spouses who reside in the same household. B. The following conditions or limitations apply: 1. The insured must have other means of daily transportation which is not insured in our Classic Automobile program. 2. Vehicles must be used primarily for auto club activities, exhibits, parades, or a private collection. 3. Vehicles may be used occasionally for other purposes such as weekend or so-called “Sunday- driving”. Occasional use does not mean regular usage such as daily driving to and from work or school; or every day shopping; or any commercial use, except as provided under company guidelines. 4. Auto club activities, exhibit and functions do not include: racing, rallies or any other type of speed or timed event. 5. All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator’s license, but does not include a person who has only a learner’s permit. C. Pre-Insurance Inspection Program General Laws Chapter 90, section 113S, and associated regulations, 211 CMR 94.00, require the pre-insurance inspection of certain private passenger motor vehicles. The following is a summary of the regulation: Unless waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight under 10,001 pounds are required to be inspected by an insurer prior to the issuance of physical damage coverages by the insurer. All Pre-Insurance Inspections not otherwise exempt or subject to waiver under 211. CMR 94.00 are waived for the Essentia Antique and Classic Car Program. However, the Program’s guidelines with respect to photo requirements continue to apply.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION A. Wherever rounding is shown in this rule, this means rounding to the nearest whole dollar. 1. Rating Bodily Injury Liability, Optional BI to Others, Damage to Someone Else’s Property, Motorcycle Guest Occupant Liability, Medical Payments, Personal Injury Protection, and Increased BI caused by an Uninsured Auto and BI cause by an Underinsured Auto: Calculate the policy’s premiums as follows: a. Determine the number of vehicles with each coverage on the policy. b. For each vehicle, multiply any applicable model year and vehicle modification factor found in the state rate pages. This is the vehicle’s class factor, for purposes of this section. (1) For single vehicle policies, or policies with 2 or 3 vehicles of the same class, find the applicable coverage base premium and multiply it by the applicable class factor. (2) For policies with 2 or 3 vehicles of different classes, find the applicable coverage base premium. Calculate the average of the class factors and multiply by the coverage base premium. (3) For policies with more than 3 vehicles, find the applicable coverage base premium. Average the class factors for the three vehicles with the highest factors. Multiply the coverage premium by this averaged class factor. c. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. d. Multiply the above by any applicable coverage level discount, surcharge or any other factor. e. Multiply the above by any applicable policy level discount, surcharge or any other factor and round. 2. Physical Damage Rating a. See State Rate Pages for applicable coverage base rate per $100 for the vehicle. b. Multiply by any applicable vehicle symbol factor. c. Multiply by any applicable vehicle value band factor. d. Multiply by vehicle type factor. e. Multiply by number of vehicles factor. f. Multiply by model year/modified group factor. g. Multiply by Cherished Salvage® factor in the rate pages (if applicable). h. Multiply by the waiver of subrogation factor in the rate pages (if applicable). i. Select deductible option and multiply by deductible factor. j. Multiply by applicable garaging factor. k. Multiply by applicable years licensed adjustment factor. l. Multiply by the vehicle’s insured value/100. m. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. n. Multiply the above by any applicable coverage level discount, surcharge or any other factor. o. Multiply the above by any applicable policy level discount, surcharge or any other factor and round.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION (cont’d) 3. Other Add any optional policy or vehicle endorsements. 4. Paid-in-Full Discount If this discount is applicable, multiply the policy premium by the Paid-in-Full Discount Factor and round. 5. Applicable State Assessments None. B. Refer to Rule 5. for Minimum Premium rules.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES A. The following discounts are available: 1. Anti-Theft Device Vehicles Equipped With Anti-Theft Devices These discounts apply to Comprehensive Coverage only. To qualify, the vehicle must meet the criteria of section a., b., or c. below. If a vehicle is equipped with more than one qualifying device, only the single highest discount shall apply. Refer to company for required evidence of installation of anti-theft devices meeting the following criteria prior to granting a discount. a. Alarm ONLY or Active Disabling Devices A 5% discount on Comprehensive Coverage shall be afforded on all vehicles equipped with a hood lock which can be released only from inside the vehicle, and (1) Alarm only devices which sound an audible alarm that can be heard at a distance of a least 300 feet for a minimum of three minutes, or (2) Active disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a separate manual step IS required to engage the device. Factor: 0.95 b. Passive Disabling Devices A 15% discount on Comprehensive Coverage shall be afforded on vehicles equipped with a hood lock which can be released only from inside the vehicle and passive disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as passive if a separate manual step is NOT required to engage the device. Factor: 0.85 c. Homing Device Credit A 10% credit is available to the vehicle’s comprehensive premium if the vehicle is installed with the following system. Factor: 0.90 The device must meet the following requirements: (1) The device or system is designed to transmit a pulse or signal by which the location of the vehicle in which the device or system is installed may be tracked by those receiving the signal; (2) The device or system is activated or initiated when a vehicle is stolen or reported stolen to police; (3) The pulse or signal either must be transmittable to local and/or state police agencies or to a private central monitoring station which shall have direct communication with the local and/or state police agencies for the purpose of reporting, tracking and monitoring the vehicle; and (4) The device or system shall be designed so that information concerning the vehicle's location may be provided to the proper authorities and/or the vehicle's owner or insurer for the purpose of recovering the vehicle.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d) 2. Prior Specialty Carrier – New Policy Discount A discount of $20 is available for the first policy term (new business only) for any applicant continuously insured for at least one year with a specialty collector vehicle carrier immediately prior to applying for coverage with us. 3. Individual Risk Premium Modification Plan (IRPM) a. In order for a risk to qualify for application of IRPM credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) any number of vehicles with a total minimum value of $500,000. b. The IRPM rating plan credit shall only be applied to the Comprehensive and Collision premiums. The total maximum credit allowed under this plan is 25%. c. Credits are available for the following risk variations: Security, Type of Storage Structure, and Dispersion of Risk. (1) Security (1% - 10% Maximum Credit Allowed) Refer to Rate Pages for discount amounts. • CENTRAL STATION FIRE & BURGLAR ALARM - A credit is available if there is a central station or direct reporting fire and burglar alarm at the garage where the insured vehicles are kept. • LOCAL FIRE PROTECTION & BURGLAR ALARMS - A credit is available if there is a fire extinguisher, and local fire and burglar alarms at the garage where the insured vehicles are kept. • AUTOMATIC SPRINKLERS - A credit is available if an automatic sprinkler system is installed in the garage where the insured vehicles are kept. • WATCHDOG OR WATCHMAN ON PREMISES - A credit is available if a watchdog or watchman is available on the premises 24 hours a day. • PADLOCK OR DEADBOLT - A credit is available if padlocks or deadbolts are present at the garage where the insured vehicles are kept.

(2) Type of Storage Structure (1 - 10% Maximum Credit Allowed) Refer to Rate Pages for discount amounts. A credit is available for the following types of storage. • FIRE RESISTIVE - Buildings constructed of any combination of the following materials: Exterior Walls or Exterior Structural Frame - Solid masonry, including reinforced concrete - Hollow masonry less than 12" thick - Hollow masonry less than 12", but not less than 8" thick, with a fire resistance rating of not less than 2 hours. Floors and Roof - Monolithic floors and roof of reinforced concrete with slabs that are at least 4" thick. - "Joist Systems" with slabs supported by concrete joists spaced no more than 36" on centers with a slab thickness of not less than 2 3/4". - Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports - Horizontal and vertical load-bearing protected metal supports with a fire resistance rating of not less than 2 hours.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d)

• MODIFIED FIRE RESISTIVE - Buildings with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistance rating of less than 2 hours, but not less than 1 hour. • MASONRY NON-COMBUSTIBLE - Buildings with exterior walls of fire resistive construction, or of masonry, and with non-combustible or slow burning floors and roof. • NON-COMBUSTIBLE - Buildings with exterior walls, floors, and roof of non- combustible or slow burning material supported by non-combustible or slow burning supports. • JOISTED MASONRY - Buildings with exterior walls of fire resistive construction of masonry, and with combustible floors and roof. • FRAME - Buildings with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof.

(3) Dispersion of Risk (1% - 10% Maximum Credit Allowed). Refer to Rate Pages for discount amounts. A credit is available for a risk which is dispersed between a minimum of two locations with common ownership and a minimum value of $250,000 per location.

4. Experience Rating Plan a. In order for a risk to qualify for application of experience rating plan credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) Any number of vehicles with a total minimum value of $500,000. b. The experience rating plan credit shall only be applied to the Comprehensive and Collision premium. 5. Paid-In-Full Discount A discount of 7% applies to the policy term when the full policy premium is paid: a. At policy inception for new business; or b. By the renewal effective date. However, an insured on a payment plan that pays in full within 90 days of the inception or renewal will also receive the Paid-In-Full Discount. Factor: 0.93 6. Portfolio Transfer Discount A discount will be applied for policies originally written under a non-Essentia insurance company which are converted to the Essentia Classic Automobile program as part of a portfolio transfer. This discount is intended to mitigate the disruption that may be caused as a result of an agent’s transition of qualifying business to the Essentia program, and is provided for the first two policy terms. a. A 10% discount shall be afforded for the first annual term. b. A 5% discount shall be afforded for the second annual term.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d) B. The following surcharges apply: 1. Years Licensed Rate Adjustment Factor A rate adjustment factor applies to the named insured/primary operator on the policy. The factor is assigned based on the number of years licensed, up to and including 29+ years, as established by the evidence of licensure. The rating factor is applied to the policy. See Rates for applicable factor. 2. High Horsepower Rate Factor An additional rate factor will be applied to Part 7. Collision for any vehicle with an engine horsepower of 650 or more. See Rates for applicable collision factor.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

6. POLICY PERIOD, PAYMENT PLANS AND FEES A. A policy may only be written for a period of one year. B. Payment Plans 1. The premium threshold to qualify for a payment plan, other than the Full Payment Plan, is $300. 2. Payment Plans The following payment plans are available: a. Full Payment 1) New Business - 100% of policy premium is due at policy inception. 2) Renewal – 100% of policy renewal premium is due 15 days before the renewal effective date. b. Semi-Annual 1) First payment of 50% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 50% of the policy premium is due 5 months after policy effective date. c. Quarterly 1) First payment of 25% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 25% of the policy premium is due two months after the first payment’s due date. 3) Third and fourth payments of 25% of the policy premium are due three months after each previous installment’s due date. d. Monthly 1) New Business a) First payment of 16.67% of policy premium is due at policy inception. b) Ten installments of 8.33% of the policy premium are due at monthly intervals, beginning one month after the policy effective date. 2) Renewal – A monthly payment of 8.33% of the policy premium is due for 12 consecutive months, with the first month’s payment due 30 days before the renewal effective.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

6. POLICY PERIOD, PAYMENT PLANS AND FEES (cont’d) C. Fees All fees are fully earned. The late fee will be waived if the reinstatement fee is charged. 1. Non-Sufficient Funds Fee – A fee will be charged to recover costs associated with processing payment attempts declined due to insufficient funds or the unavailability or inaccessibility of funds. Fee: $25 2. Late Fee – A fee will be charged for any late payments. Fee: $10 3. Reinstatement Fee – A fee will be assessed for any policy that is reinstated after the cancellation date for non-payment. Fee: $10 4. Installment Fee – An installment fee will apply to each installment of any payment plan other than the Full Payment Plan. Fee: $1

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

COVERAGES AND LIMITS 11.2. Optional Insurance Coverages* A. Part 5 - Optional Bodily Injury To Others The basic limits are $20,000 each person and $40,000 each accident. Increased limits are available. B. Part 6 - Medical Payments The basic limit is $5,000 each person, with a limit of $10,000 per person available for automobiles. The basic limit for Motorcycles is $500 each person. A limit of $5000 each person for Motorcycles is also available. This coverage is excess over Personal Injury Protection. C. Part 7 – Collision This coverage is subject to a basic deductible of $500. Optional deductibles are available subject to underwriting requirements established by the insurer, as permitted by law. Limited waiver of deductible is included in the base policy. This coverage is written on an agreed amount basis. D. Part 8 - Limited Collision This coverage is subject to a basic deductible of $500. Other deductibles or full coverage are available at the option of the insured. This coverage is written on a guaranteed value basis. E. Part 9 – Comprehensive This coverage is required for the Antique and Classic Program, subject to a basic deductible of $500. Optional deductibles lower or higher are available subject to underwriting requirements established by the insurer, as permitted by law. Higher deductibles are available at the option of the insured. A separate $100 glass deductible is also available at the option of the insured. This glass deductible is in addition to the otherwise applicable deductible for Part 9. This coverage is written on an agreed amount basis. F. Part 10 - Substitute Transportation This coverage is available under the Traveling Collector Endorsement - Massachusetts AC 113 MA. G. Part 11 - Towing and Labor This coverage is not available under this program. H. Part 12 - Bodily Injury Caused By an Underinsured Auto The basic limits are $20,000 each person and $40,000 each accident. Increased limits are available. The limits may not exceed the limits of Part 5. This coverage is excess over Personal Injury Protection.

* Comprehensive Coverage is a required coverage under the Antique and Classic Auto Program.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.3. Increased Limits – Spare Parts A. The policy includes a basic limit of $750 for Spare Parts. This limit may be increased. B. When our company insures a collection of: 1. 6 or more vehicles with a total minimum value of $250,000; or 2. Any number of vehicles with a total minimum value of $500,000, the Value-Added Endorsement – Massachusetts, AC 400 MA, is attached to these policies and includes a basic limit for Spare Parts is $1,500. This limit may be increased. A subsequent change in the collection value will not require a reduction in this basic spare parts limit. Refer to Rates for additional charge per $100.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.6. Custom Features Coverage for loss or damage to custom features may be limited to $10,000. The limit for custom features is a part of the total agreed value of the vehicle; it is not an additional limit. If purchased, the per vehicle custom features total limit and premium must be indicated in the Coverage Selections Page. See Rates for applicable premium charge. Attach endorsement AC 00 16 MA, Custom Features Limitation Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.13. Named Driver Exclusion Excludes coverage while driven by the driver named on the endorsement. This endorsement will be used to write a risk that would otherwise be declined due to an operator in the household. A. The named driver exclusion endorsement: 1. Shall be signed by the named insured and the named excluded driver; 2. Shall remain in effect: a. For the term of the policy; and b. For each renewal, reinstatement, substitute, modified, replacement or amended policy; unless discontinued by the company. B. If a named driver exclusion endorsement is attached to the policy: 1. The premiums charged for the policy shall not reflect the claim experience or driving record of the named excluded driver. 2. The named excluded driver shall not be listed as an operator of any auto covered under the policy. C. If a loss payee is shown in the policy, the loss payee may be sent a notice indicating that the policy contains a named driver exclusion. Attach endorsement AC 201 MA, Named Driver Exclusion Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.16. Traveling Collector

This endorsement is available to provide additional coverage for Automotive Tools, Personal Effects, Spare Parts, Vehicle Valuable Papers, and Loss of Use and Trip Interruption Expenses. This endorsement is not available if the Legendary Ride™ or Value-Added endorsements are attached to the policy. See rate pages for the applicable premium per policy. Attach endorsement AC 113 MA, Traveling Collector Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.17. Vehicle Under Construction This endorsement is available for vehicles under active restoration or new builds. Physical damage coverage is enhanced by adding: A. A mid-term increase to the vehicle’s Guaranteed Value® of 10% per quarter, subject to a maximum of $25,000 during the policy term. 1. Upon expiration of the policy period, the limit reverts back to the Guaranteed Value® shown in the Declarations. 2. This amount is used to process the renewal unless a change in the amount of insurance is requested, to which we must also agree. B. Coverage for direct and accidental loss of, or damage to, Automotive Tools used for any covered auto of $750, subject to a deductible of $25. “Automotive Tools”, includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: 1. Portable carts or cases used to store covered tools; and 2. Accessories for covered tools whether attached or not. See rate pages for the applicable premium per vehicle. Attach endorsement AC 00 50 MA, Vehicle Under Construction Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.18. Value-Added For no additional premium, the provisions of the Antique and Classic Automobile Insurance Policy are broadened by this endorsement. This endorsement applies when our company insures a collection of: A. 6 or more vehicles with a total minimum value of $250,000; or B. Any number of vehicles with a total minimum value of $500,000. A subsequent change in the collection value will not require removal of this endorsement. Attach endorsement AC 400 MA, Value-Added Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.23. Legendary Ride™ This endorsement is available to provide additional coverage for Spare Parts, Automotive Tools, Personal Effects, Vehicle Valuable Papers, Branded Merchandise, and Loss of Use and Trip Interruption Expenses. This endorsement is not available if the Traveling Collector or Value-Added endorsements are attached to the policy. See rate pages for the applicable premium per policy. Attach endorsement AC 114 MA - Legendary Ride™ Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.24. Motorsports Advantage™ This endorsement is available to provide additional coverage for Spare Parts, Automotive Tools, Personal Effects, Vehicle Valuable Papers, Safety Equipment, Debris Removal and Loss of Use and Trip Interruption Expenses. See rate pages for the applicable premium per vehicle. Attach endorsement AC 115 MA – Motorsports Advantage™ Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

14. COMPETITION EXCLUSION The provisions of the Essentia Insurance Massachusetts Antique and Classic Automobile Insurance Policy are restricted by this mandatory endorsement. Attach Endorsement AC 200 MA, Competition Exclusion – Massachusetts.

CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL LIABILITY RATE PAGES Statewide Annual Premiums The premiums shown below for Bodily Injury, Property Damage, Motorcycle Guest Occupant Liability, Medical Payments, Personal Injury Protection (PIP), Uninsured Motorists and Underinsured Motorists cover all of the antique, classic and special interest vehicles owned by any one insured. The amount of total or additional premium shown applies based upon the number of vehicles on the policy. All policies are subject to a minimum premium of $125.

1. Base Liability Rates Bodily Injury Liability Optional Bodily Injury to Others * Total Premium Additional Premium Per Policy Split Limit BI 1 Car 2 Cars 3+ Cars Split Limit BI * 1 Car 2 Cars 3+ Cars $20/40 $9.56 $16.25 $21.99 $20/40 $2.12 $3.60 $4.88 35/80 3.19 5.42 7.34 50/100 5.31 9.03 12.21 100/300 9.55 16.24 21.97 300/300 14.86 25.26 34.18 250/500 15.92 27.06 36.62 500/500 33.95 57.72 78.09 500/1,000 42.43 72.13 97.59 * NOTE: If a collector motorcycle is written under the policy, Guest Occupant Liability is provided at the same limit as Optional Bodily Injury, up to 35/80, or may be increased up to the policy’s bodily injury liability limit, at the premium in Rule 2.

Damage to Someone Else's Property Medical Payments Total Premium Total Premium Property Damage Limit 1 Car 2 Cars 3+ Cars Limit 1 Car 2 Cars 3+ Cars $5,000 $1.07 $1.82 $2.46 $500 ** $1.06 $1.80 $2.44 10,000 2.14 3.64 4.92 5,000 *** 3.16 5.37 7.27 25,000 4.27 7.26 9.82 10,000 7.36 12.51 16.93 50,000 7.47 12.70 17.18 100,000 11.75 19.98 27.03 ** applies to motorcycles only *** maximum limit available for motorcycles; minimum limit available for antique and classic autos

Personal Injury Protection Personal Injury Protection Deductible Options Total Premium Deductible Amount Discount Factor Limit 1 Car 2 Cars 3+ Cars $100 0.92 $8,000 $5.38 $9.15 $12.37 250 0.85 500 0.80 1,000 0.72 2,000 0.64 4,000 0.50 8,000 0.17

RATES-1 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL LIABILITY RATE PAGES 1. Base Liability Rates (cont'd)

Increased BI caused by an Uninsured Auto and BI caused by an Underinsured Auto BI caused by an BI caused by an Uninsured Auto Total PremiumUnderinsured Auto Total Premium Split Limit Bodily Injury 1 Car 2 Cars 3+ Cars Split Limit Bodily Injury 1 Car 2 Cars 3+ Cars $20/40 $5.31 $9.03 $12.21 $20/40 $2.12 $3.60 $4.88 35/80 6.37 10.83 14.65 35/80 3.18 5.41 7.31 50/100 8.49 14.43 19.53 50/100 4.24 7.21 9.75 100/300 13.79 23.44 31.72 100/300 8.49 14.43 19.53 300/300 15.92 27.06 36.62 300/300 12.73 21.64 29.28 250/500 19.10 32.47 43.93 250/500 14.85 25.25 34.16 500/500 23.34 39.68 53.68 500/500 18.04 30.67 41.49 500/1,000 29.71 50.51 68.33 500/1,000 24.40 41.48 56.12

2. Motorcycle Guest Occupant Liability Split Limit 1 MC 2 MC 3+ MC $20/40 $1.07 $2.14 $3.21 35/80 2.15 4.30 6.45 50/100 3.22 6.44 9.66 100/300 4.29 8.58 12.87 300/300 5.37 10.74 16.11 250/500 6.44 12.88 19.32 500/500 7.51 15.02 22.53 500/1,000 8.59 17.18 25.77

3. Model Year Factors Determine the model year of the vehicle. Apply the appropriate factor to all coverage premiums except Uninsured Motorists, Underinsured Motorists and Motorcycle Passenger Liability. Model Year Group Factor Pre-1950s 0.850 1950s 0.900 1960s 1.000 1970s 1.150 1980s 2.000 1990s 2.500 2000s and newer 2.500

4. Vehicle Modification Factors Determine whether the vehicle is stock or modified. Apply the appropriate factor to all coverage premiums except Uninsured Motorists, Underinsured Motorists and Motorcycle Passenger Liability. Group Factor Stock 1.000 Modified 1.200

RATES-2 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL LIABILITY RATE PAGES 5. Years Licensed Rate Adjustment Factor (Named Insured only) The factor is assigned based on the number of years licensed: Age Group Factor 0-4 3.125 5-9 2.500 10-13 1.875 14-18 1.250 19-23 1.150 24-28 1.050 29-33 1.025 34+ 1.000

6. Less than 1 Regular Use Vehicle Per Household Driver Factor: 1.20

7. Annual Mileage Factors Annual Mileage Factor 0-3,500 1.000 3,501-5,000 1.250 5,001-7,500 1.350

8. Inexperienced Operators Factors (other than the Named Insured) Years of driving experience Factor 0-2 2.000 3-5 1.750 6-9 1.350 10-13 1.100

9. Business Use Factor per vehicle: 1.200

RATES-3 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 1. Loss or Damage to Your Covered Auto Notes: Modified autos that are replicas will be rated upon the replica year rather than the year of manufacture/build; any collector vehicle type not listed will be rated as an “Auto.”

A. Comprehensive

i. Annual Base Rate per $100 of Guaranteed Value® 0.3522

ii. Vehicle Type Factors iv. Number of Vehicles Factors Vehicle Type Factor Number of Vehicles Factor Auto 1.000 1 Veh 1.000 Truck 1.150 2 Vehs 0.830 Motorcycle 0.850 3 Vehs 0.700 Tuner 1.500 4-5 Vehs 0.700 Lowrider 1.500 6-10 Vehs 0.700 Semi 1.500 11+ Vehs 0.650 iii. Model Year/Modified Group Factors v. Vehicle Symbol Factors Model Year/Modified Group Factor Symbol Factor Modified <= 1945 1.050 A 0.750 Modified 1946-1949 1.450 B 0.850 Modified 1950-1955 1.450 C 0.950 Modified 1956-1959 1.450 D 1.000 Modified 1960-1968 2.000 E 1.150 Modified 1969-1971 2.000 F 1.000 Modified 1972-1973 2.000 Modified 1974-1976 2.400 Modified 1977-1979 2.400 Modified 1980-1986 2.800 Modified 1987-1990 2.800 Modified 1991-1995 2.800 Modified 1996-2000 2.800 Modified 2001-2005 2.600 Modified 2006-2010 2.400 Modified >= 2011 2.400 Stock <= 1945 0.750 Stock 1946-1949 0.850 Stock 1950-1955 0.850 Stock 1956-1959 0.900 Stock 1960-1968 1.000 Stock 1969-1971 1.150 Stock 1972-1973 1.200 Stock 1974-1976 1.500 Stock 1977-1979 1.550 Stock 1980-1986 2.050 Stock 1987-1990 2.500 Stock 1991-1995 2.450 Stock 1996-2000 2.400 Stock 2001-2005 2.220 Stock 2006-2010 2.000 Stock >= 2011 2.000

RATES - 1.1 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 1. Loss or Damage to Your Covered Auto (cont’d)

A. Comprehensive (cont’d)

vi. Value Factors Value Factor $0-$30,000 1.000 $30,001-$31,000 0.992 $31,001-$32,000 0.983 $32,001-$33,000 0.975 $33,001-$34,000 0.967 $34,001-$35,000 0.959 $35,001-$36,000 0.950 $36,001-$37,000 0.942 $37,001-$38,000 0.941 $38,001-$39,000 0.940 $39,001-$40,000 0.940 $40,001-$41,000 0.939 $41,001-$42,000 0.938 $42,001-$43,000 0.937 $43,001-$44,000 0.936 $44,001-$45,000 0.935 $45,001-$46,000 0.935 $46,001-$47,000 0.934 $47,001-$48,000 0.933 $48,001-$49,000 0.933 $49,001-$50,000 0.932 $50,001-$51,000 0.932 $51,001-$52,000 0.931 $52,001-$53,000 0.931 $53,001-$54,000 0.930 $54,001-$55,000 0.930 $55,001-$56,000 0.929 $56,001-$57,000 0.929 $57,001-$58,000 0.928 $58,001-$59,000 0.928 $59,001-$60,000 0.927 $60,001-$61,000 0.927 $61,001-$62,000 0.926 $62,001-$63,000 0.926 $63,001-$64,000 0.925 $64,001-$65,000 0.925 >$65,000 0.925

RATES - 1.2 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 1. Loss or Damage to Your Covered Auto (cont’d)

B. Collision

i. Annual Base Rate per $100 of Guaranteed Value® 0.3206

ii. Vehicle Type Factors iv. Number of Vehicles Factors Vehicle Type Factor Number of Vehicles Factor Auto 1.000 1 Veh 1.000 Truck 1.100 2 Vehs 0.750 Motorcycle 1.250 3 Vehs 0.730 Tuner 1.500 4-5 Vehs 0.700 Lowrider 1.500 6-10 Vehs 0.700 Semi 1.500 11+ Vehs 0.650 iii. Model Year/Modified Group Factors v. Limited Collision Coverage Factors * Model Year/Modified Group Factor Vehicle Model Year Factor Modified <= 1945 1.800 1986 and Older 0.930 Modified 1946-1949 1.800 1987 and Newer 0.800 Modified 1950-1955 1.800 * Not applicable to Motorsport and Pro-Street Modified 1956-1959 1.800 without Liability, or trailer risks. Modified 1960-1968 1.800 Modified 1969-1971 1.800 vi. Vehicle Symbol Factors Modified 1972-1973 1.800 Symbol Factor Modified 1974-1976 2.400 A 0.850 Modified 1977-1979 2.400 B 1.000 Modified 1980-1986 2.400 C 1.050 Modified 1987-1990 3.300 D 1.150 Modified 1991-1995 3.500 E 1.250 Modified 1996-2000 3.600 F 1.000 Modified 2001-2005 3.700 Modified 2006-2010 4.000 Modified >= 2011 4.000 Stock <= 1945 0.800 Stock 1946-1949 0.900 Stock 1950-1955 0.900 Stock 1956-1959 0.900 Stock 1960-1968 1.000 Stock 1969-1971 1.100 Stock 1972-1973 1.150 Stock 1974-1976 1.400 Stock 1977-1979 1.500 Stock 1980-1986 2.160 Stock 1987-1990 2.970 Stock 1991-1995 3.150 Stock 1996-2000 3.240 Stock 2001-2005 3.330 Stock 2006-2010 3.600 Stock >= 2011 3.600

RATES - 1.3 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 1. Loss or Damage to Your Covered Auto (cont’d)

B. Collision (cont’d)

vii. Value Factors Value Factor $0-$30,000 1.000 $30,001-$31,000 0.993 $31,001-$32,000 0.986 $32,001-$33,000 0.979 $33,001-$34,000 0.971 $34,001-$35,000 0.964 $35,001-$36,000 0.957 $36,001-$37,000 0.950 $37,001-$38,000 0.949 $38,001-$39,000 0.948 $39,001-$40,000 0.948 $40,001-$41,000 0.947 $41,001-$42,000 0.946 $42,001-$43,000 0.945 $43,001-$44,000 0.944 $44,001-$45,000 0.943 $45,001-$46,000 0.943 $46,001-$47,000 0.942 $47,001-$48,000 0.941 $48,001-$49,000 0.941 $49,001-$50,000 0.940 $50,001-$51,000 0.940 $51,001-$52,000 0.939 $52,001-$53,000 0.939 $53,001-$54,000 0.938 $54,001-$55,000 0.938 $55,001-$56,000 0.937 $56,001-$57,000 0.937 $57,001-$58,000 0.936 $58,001-$59,000 0.936 $59,001-$60,000 0.935 $60,001-$61,000 0.935 $61,001-$62,000 0.934 $62,001-$63,000 0.934 $63,001-$64,000 0.933 $64,001-$65,000 0.933 >$65,000 0.933

RATES - 1.4 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 1. Loss or Damage to Your Covered Auto (cont’d)

C. Motorsport and Pro-Street Vehicles without Liability Vehicle Type Comprehensive Limited Trailer and Paddock Collision Motorsports (16 years and older) 0.3656 0.1720 Motorsports (15 years and newer) 0.5806 0.2796 Pro-Street (all model years) 0.6452 0.3226

RATES - 1.5 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 2. Vehicle Deductible Factors Determine any applicable coverage deductible factor based upon vehicle model year and value. (-) indicates deductible is not available.

An optional $100 glass deductible is available for a $10 premium discount to Comprehensive.

A. Deductible Group 1 Group 1 includes: All vehicles with model years 1986 and prior, excluding trailer risks.

i. Comprehensive

Value Value Value Value Value Value Value Value $0- $10,000- $20,000- $30,000- $40,000- $50,000- $100,000- $150,000- Value >= Deductible $9,999 $19,999 $29,999 $39,999 $49,999 $99,999 $149,999 $199,999 $200,000 $0 1.014 1.014 1.014 1.014 1.014 1.014 1.013 1.008 1.007 $300 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 $500 0.890 0.911 0.939 0.957 0.972 0.982 0.993 0.994 0.997 $1,000 0.846 0.846 0.874 0.906 0.934 0.951 0.974 0.980 0.989 $1,500 0.802 0.802 0.819 0.863 0.901 0.925 0.955 0.968 0.981 $2,500 0.758 0.758 0.758 0.792 0.845 0.880 0.919 0.946 0.965 $5,000 0.713 0.713 0.713 0.713 0.742 0.795 0.858 0.890 0.928 $10,000 - 0.636 0.636 0.636 0.636 0.675 0.787 0.824 0.874 $20,000 - - 0.574 0.574 0.574 0.604 0.664 0.743 0.787 $50,000 - - - - - 0.513 0.514 0.547 0.641 $100,000 ------0.417 0.457 0.476

ii. Collision

Value Value Value Value Value Value Value Value $0- $10,000- $20,000- $30,000- $40,000- $50,000- $100,000- $150,000- Value >= Deductible $9,999 $19,999 $29,999 $39,999 $49,999 $99,999 $149,999 $199,999 $200,000 $0 1.053 1.053 1.053 1.044 1.038 1.028 1.018 1.013 1.008 $300 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 $500 0.866 0.915 0.946 0.958 0.963 0.973 0.983 0.988 0.991 $1,000 0.805 0.805 0.853 0.881 0.895 0.921 0.951 0.964 0.976 $1,500 0.758 0.758 0.774 0.814 0.835 0.875 0.921 0.942 0.960 $2,500 0.711 0.711 0.711 0.723 0.737 0.797 0.867 0.901 0.931 $5,000 0.663 0.663 0.663 0.664 0.665 0.666 0.763 0.826 0.870 $10,000 - 0.616 0.616 0.623 0.632 0.638 0.680 0.726 0.777 $20,000 - - 0.568 0.579 0.592 0.602 0.618 0.638 0.644 $50,000 - - - - - 0.509 0.527 0.547 0.552 $100,000 ------0.412 0.456 0.460

RATES - 2.1 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 2. Vehicle Deductible Factors (cont’d)

B. Deductible Group 2 Group 2 includes: All vehicles with model years 1987 and newer, excluding trailer risks.

i. Comprehensive

Value Value Value Value Value Value Value Value $0- $10,000- $20,000- $30,000- $40,000- $50,000- $100,000- $150,000- Value >= Deductible $9,999 $19,999 $29,999 $39,999 $49,999 $99,999 $149,999 $199,999 $200,000 $0 1.096 1.056 1.038 1.030 1.021 1.013 1.008 1.005 1.003 $300 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 $500 0.970 0.971 0.978 0.981 0.984 0.984 0.987 0.988 0.989 $1,000 0.925 0.926 0.926 0.936 0.951 0.953 0.965 0.971 0.971 $1,500 0.898 0.899 0.900 0.900 0.927 0.940 0.945 0.956 0.957 $2,500 0.845 0.846 0.857 0.871 0.874 0.913 0.924 0.932 0.932 $5,000 0.754 0.755 0.755 0.756 0.773 0.847 0.869 0.869 0.873 $10,000 - 0.680 0.680 0.680 0.681 0.724 0.781 0.781 0.783 $20,000 - - 0.599 0.600 0.600 0.601 0.676 0.677 0.680 $50,000 - - - - - 0.436 0.449 0.577 0.588 $100,000 ------0.383 0.428 0.480

ii. Collision

Value Value Value Value Value Value Value Value $0- $10,000- $20,000- $30,000- $40,000- $50,000- $100,000- $150,000- Value >= Deductible $9,999 $19,999 $29,999 $39,999 $49,999 $99,999 $149,999 $199,999 $200,000 $0 1.089 1.060 1.040 1.033 1.022 1.014 1.010 1.007 1.007 $300 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 $500 0.916 0.943 0.944 0.944 0.945 0.945 0.959 0.967 0.967 $1,000 0.766 0.840 0.850 0.869 0.875 0.882 0.909 0.926 0.926 $1,500 0.728 0.751 0.786 0.829 0.835 0.850 0.868 0.896 0.896 $2,500 0.675 0.700 0.730 0.761 0.774 0.791 0.818 0.846 0.846 $5,000 0.638 0.657 0.681 0.713 0.715 0.725 0.734 0.742 0.752 $10,000 - 0.572 0.573 0.582 0.602 0.639 0.676 0.678 0.678 $20,000 - - 0.510 0.546 0.571 0.587 0.599 0.604 0.604 $50,000 - - - - - 0.419 0.424 0.433 0.462 $100,000 ------0.348 0.366 0.385

RATES - 2.2 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 2. Vehicle Deductible Factors (cont’d)

C. Deductible Group 3 Group 3 includes: Motorsport and Pro-Street vehicles without Liability.

Comprehensive and Limited Trailer and Paddock Collision

Value Value Value Value $0- $25,000- $50,000- $150,000- Value >= Deductible $24,999 $49,999 $149,999 $249,999 $250,000 $0 1.000 1.000 1.000 1.000 1.000 $300 0.980 0.980 0.980 0.980 0.980 $500 0.950 0.950 0.950 0.950 0.950 $1,000 0.910 0.910 0.910 0.910 - $1,500 - 0.890 0.890 0.890 0.890 $2,500 - 0.870 0.870 0.870 0.870 $5,000 - - 0.840 0.840 0.840 $10,000 - - 0.800 0.800 0.800 $20,000 - - - 0.700 0.700 $50,000 - - - 0.650 0.650 $100,000 - - - - 0.600

D. Deductible Group 4 Group 4 includes: All trailer risks.

Comprehensive and Collision

Value $0- Value Deductible $24,999 $25,000+ $250 1.000 1.000 $500 0.950 0.960 $1,000 0.900 0.920 $1,500 0.850 0.880 $2,500 0.800 0.840 $5,000 0.700 0.760

RATES - 2.3 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 3. Other Factors

A. Storage/Garaging Factors Select the applicable Comprehensive factor for each vehicle based upon its type: Storage Type Factor Garage/Barn/Pole Building – Private 1.000 Carport 1.900 Driveway 2.000 Parking Garage 1.800 Rental Storage Unit/Other Secure Enclosure * 1.400 * Policies with 3 or more vehicles stored in the same location in a Rental Storage Unit/Other Secure Enclosure will apply only to the 3 vehicles on the policy with the newest model year band. If multiple vehicles are in the same model year band, then apply the factor to the vehicle(s) with the highest insured value. For purposes of this rule, replica vehicles will be aged based upon the model year of the vehicle being replicated (ex.1932) rather than the build year.

B. Years Licensed Rate Adjustment Factor (Named Insured only) The factor is assigned based on the number of years licensed:

i. Comprehensive Age Factor 0-4 3.125 5-9 2.500 10-13 1.875 14-18 1.450 19-23 1.250 24-28 1.125 29-33 1.050 34+ 1.000

ii. Collision Age Factor 0-4 3.125 5-9 2.500 10-13 1.875 14-18 1.400 19-23 1.225 24-28 1.100 29-33 1.050 34+ 1.000

C. High Horsepower Rate Factor Collision 1.300

D. Less Than 1 Regular Use Vehicle Per Household Driver Factor Comprehensive Collision 1.350 1.400

RATES - 3.1 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES E. Annual Mileage Factors Annual Mileage Comprehensive Collision 0-3,500 1.000 1.000 3,501-5,000 1.150 1.250 5,001-7,500 1.250 1.350

F. Inexperienced Operators Factors (other than the Named Insured) Years of driving experience Factor 0-2 2.000 3-5 1.750 6-9 1.350 10-13 1.100

RATES - 3.2 CAM Ed. Date 07/18 MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 5. Experience Rating Plan Loss Ratio Credit Factor (last 3 years) 0 - 15% 20% 0.80 16 - 30% 10% 0.90

6. RESERVED FOR FUTURE USE 7. Foreign Coverage Extension Comprehensive and collision coverage must be afforded. To calculate the premium charge, multiply the vehicle’s annual physical damage premium by 2 and pro-rate the premium for the time period coverage is afforded. For example, if coverage is afforded for one month, multiply the annual physical damage premium for that vehicle by 2 and multiply by 1/12. The additional premium is subject to a minimum earned premium of $250 per vehicle. 8. RESERVED FOR FUTURE USE 9. RESERVED FOR FUTURE USE 10. Custom Features Additional custom features coverage may be purchased at a rate of $1.50 per $100 of insured value. 11. RESERVED FOR FUTURE USE 12. Limited Trailer and Paddock Collision Multiply the collision rate for the vehicle category by 50% (factor 0.50). For motorsports and pro-street vehicles without liability, refer to the pre-calculated LTP collision premium table in this rate manual. 13. Business Use Factor per vehicle: 1.20 14. Increased Limit – Spare Parts Rate per $100: $0.35 15. Traveling Collector Premium per policy: $25 16. Vehicle Under Construction Premium per vehicle: $20 17. Cherished Salvage® Coverage Factor per vehicle coverage: 1.150 18. Evacuation Expense Rate per vehicle: $5 19. Waiver of Subrogation Factor applied per vehicle to Comprehensive and Collision: 1.01 20. Legendary Ride™ Premium per policy: $25 21. Motorsports Advantage™ Premium per vehicle: $20

RATES - 5.1 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES COLLECTIBLE PERSONAL PROPERTY RATES The following rates apply statewide. A. Scheduled Rates (per $100, $0 deductible): CLASS Excl Breakage Incl Breakage Automobilia* 0.55 0.70 Fine Arts 0.17 0.32 Miscellaneous Collectibles 0.60 0.75 Nautical Collectibles* 0.55 0.70

* For Classic Auto Collections valued at $2,000,000 or higher, items in the Automobilia and/or Nautical Collectibles class will be rated at the scheduled fine arts rates. Rate per $100 Spare Parts 1.05 Automotive Tools 1.50 Music Memorabilia 0.35 Jewelry, Watches 0.80 Coins 1.25 Stamps 0.40

B. Unscheduled (Blanket) Premiums ($0 deductible unless shown otherwise): All premiums are annual. 1. Automobilia or Nautical Collectibles** Excl Breakage - Incl Breakage - Total Limit Per Item Max Premium Premium $1,500 $1,500 $10 $12 2,500 2,500 15 19 5,000 5,000 29 37 10,000 5,000 56 71 15,000 5,000 83 105 20,000 5,000 109 139 30,000 5,000 161 205 40,000 5,000 212 270 50,000 5,000 262 334 75,000 5,000 394 501 100,000 5,000 525 668 125,000 5,000 656 835 150,000 5,000 787 1,002 175,000 5,000 918 1,169 200,000 5,000 1,050 1,336 225,000 5,000 1,181 1,503 250,000 5,000 1,312 1,670

** For Classic Auto Collections valued at $2,000,000 or higher, items in the Automobilia or Nautical Collectibles class will use the unscheduled fine arts premiums.

RATES - 6.1 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 2. Collector Vehicle Spare Parts Excl Breakage - Total Limit Per Item Max Premium $1,500 $1,500 $19 2,500 2,500 31 5,000 5,000 60 10,000 5,000 117 15,000 5,000 172 20,000 5,000 227 30,000 5,000 335 40,000 5,000 441 50,000 5,000 547 75,000 5,000 820 100,000 5,000 1,093 125,000 5,000 1,366 150,000 5,000 1,640 175,000 5,000 1,913 200,000 5,000 2,186 225,000 5,000 2,459 250,000 5,000 2,733

3. Automotive Tools Excl Breakage - Total Limit Per Item Max Premium $1,500 $1,000 $28 2,500 1,000 46 5,000 1,000 89 10,000 1,000 173 15,000 1,000 257 20,000 1,000 338 30,000 1,000 499 40,000 1,000 656 50,000 1,000 813 75,000 1,000 1,220 100,000 1,000 1,627 125,000 1,000 2,033 150,000 1,000 2,440 175,000 1,000 2,846 200,000 1,000 3,253 225,000 1,000 3,660 250,000 1,000 4,066

RATES - 6.2 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 4. Fine Arts Excl Breakage - Incl Breakage – Total Limit Per Item Max Premium Premium $1,500 $1,500 $3 $5 2,500 2,500 5 9 5,000 5,000 9 17 10,000 5,000 17 33 15,000 5,000 26 48 20,000 5,000 34 63 30,000 5,000 50 94 40,000 5,000 65 123 50,000 5,000 81 153 75,000 5,000 122 229 100,000 5,000 162 305 125,000 5,000 203 382 150,000 5,000 243 458 175,000 5,000 284 534 200,000 5,000 324 611 225,000 5,000 365 687 250,000 5,000 406 763

5. Collectible Jewelry – Watches

Total Limit Per Item Max Premium $1,500 $1,500 $16 2,500 2,500 25 5,000 5,000 49 10,000 5,000 96 15,000 5,000 142 20,000 5,000 187 30,000 5,000 277 40,000 5,000 364 50,000 5,000 451 75,000 5,000 677 100,000 5,000 902 125,000 5,000 1,128 150,000 5,000 1,353 175,000 5,000 1,579 200,000 5,000 1,804 225,000 5,000 2,030 250,000 5,000 2,256

RATES - 6.3 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 6. Miscellaneous Collectibles Excl Breakage - Incl Breakage - Total Limit Per Item Max Premium Premium $1,500 $1,500 $10 $12 2,500 2,500 16 20 5,000 5,000 31 39 10,000 5,000 61 76 15,000 5,000 90 113 20,000 5,000 119 149 30,000 5,000 176 220 40,000 5,000 231 289 50,000 5,000 286 358 75,000 5,000 429 537 100,000 5,000 573 716 125,000 5,000 716 895 150,000 5,000 859 1,074 175,000 5,000 1,002 1,252 200,000 5,000 1,145 1,431 225,000 5,000 1,288 1,610 250,000 5,000 1,431 1,789

7. Music Memorabilia

Total Limit Per Item Max Premium $1,500 $1,500 $6 2,500 2,500 9 5,000 5,000 18 10,000 5,000 36 15,000 5,000 53 20,000 5,000 69 30,000 5,000 103 40,000 5,000 135 50,000 5,000 167 75,000 5,000 250 100,000 5,000 334 125,000 5,000 417 150,000 5,000 501 175,000 5,000 584 200,000 5,000 668 225,000 5,000 751 250,000 5,000 835

RATES - 6.4 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES 8. Coins

Total Limit Per Item Max Premium $1500 $1,500 $24 2,500 2,500 40 5,000 5,000 77 10,000 5,000 150 15,000 5,000 222 20,000 5,000 293 30,000 5,000 433 40,000 5,000 569 50,000 5,000 705 75,000 5,000 1,057 100,000 5,000 1,410 125,000 5,000 1,762 150,000 5,000 2,115 175,000 5,000 2,467 200,000 5,000 2,819 225,000 5,000 3,172 250,000 5,000 3,524

9. Stamps

Total Limit Per Item Max Premium $1,500 $1,500 $8 2,500 2,500 13 5,000 5,000 25 10,000 5,000 48 15,000 5,000 71 20,000 5,000 94 30,000 5,000 138 40,000 5,000 182 50,000 5,000 226 75,000 5,000 338 100,000 5,000 451 125,000 5,000 564 150,000 5,000 677 175,000 5,000 789 200,000 5,000 902 225,000 5,000 1,015 250,000 5,000 1,128

RATES - 6.5 CAM Ed. Date 07/18

MASSACHUSETTS ANTIQUE & CLASSIC AUTOMOBILE MANUAL PHYSICAL DAMAGE RATE PAGES C. Deductibles Factor All classes Deductible except Tools Tools $100 0.95 N/A $250 0.85 1.00 $500 0.75 0.80 $750 0.73 0.70 $1,000 0.70 0.65

RATES - 6.6 CAM Ed. Date 07/18

CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

VEHICLE SYMBOLS The following vehicle symbols correspond to a rating factor which is applied to a vehicle’s Other Than Collision and Collision premiums. 1. The following vehicle types are not subject to symbol rating: Tractors, Semi-Trucks, Military, Replicas of vehicles manufactured prior to 1980 and Trailers. 2. All motorcycles (including mopeds and scooters) will be assigned symbol F. 3. Any vehicle not listed below will be assigned symbol F. See Rates for applicable factors. Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol AC 2 Dr. Coupe B B AC 2 Dr. Roadster A A Acura 2 Dr. Convertible A A Acura 2 Dr. Coupe E E Acura 2 Dr. Targa A A Acura 3 Dr. Hatchback E E Acura 4 Dr. Sedan A A Acura 4 Dr. Sport Utility Vehicle A A Acura 4 Dr. Sport Utility Vehicle 4x4 A A Acura 5 Dr. Hatchback A A Alfa Romeo 2 Dr. Convertible C C Alfa Romeo 2 Dr. Coupe B B Alfa Romeo 2 Dr. Hatchback B B Alfa Romeo 2 Dr. Roadster C C Alfa Romeo 2 Dr. Sedan B B Alfa Romeo 2 Dr. Spider C C Alfa Romeo 3 Dr. Coupe B B Alfa Romeo 4 Dr. Hatchback B B Alfa Romeo 4 Dr. Sedan B B Alpine 2 Dr. Coupe B B Alpine 3 Dr. Coupe B B AM General 2 Dr. Open Top Utility 4x4 A A AM General 2 Dr. Sport Utility Vehicle A A AM General 2 Dr. Sport Utility Vehicle 4x4 A A AM General 2 Dr. Wagon 4x4 A A AM General 4 Dr. Open Top Utility 4x4 A A AM General 4 Dr. Slant Back Utility 4x4 A A AM General 4 Dr. Sport Utility Vehicle 4x4 A A AM General 4 Dr. Station Wagon 4x4 A A AM General 4 Dr. Wagon 4x4 A A American Motors 2 Dr. Convertible A A American Motors 2 Dr. Coupe A A American Motors 2 Dr. Hatchback Coupe A A American Motors 2 Dr. Liftback A A American Motors 2 Dr. Pickup A A American Motors 2 Dr. Pickup 4x4 A A American Motors 2 Dr. Sedan B B American Motors 2 Dr. Station Wagon A A American Motors 3 Dr. Liftback A A American Motors 4 Dr. Sedan B B American Motors 4 Dr. Station Wagon B B American Motors 5 Dr. Liftback B B Ariel 2 Dr. Race Car A A Aston Martin 2 Dr. Convertible D D Aston Martin 2 Dr. Coupe B B Aston Martin 2 Dr. Roadster D D Aston Martin 4 Dr. Sedan B B Audi 2 Dr. Cabriolet E E Audi 2 Dr. Convertible E E Audi 2 Dr. Coupe E E Audi 2 Dr. Hatchback E E SYM - 1 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Audi 2 Dr. Roadster E E Audi 2 Dr. Sedan E E Audi 2 Dr. Spyder E E Audi 3 Dr. Coupe E E Audi 4 Dr. Hatchback E E Audi 4 Dr. Sedan E E Audi 4 Dr. Sport Utility Vehicle 4x4 E E Audi 4 Dr. Station Wagon E E Austin 2 Dr. Coupe B B Austin 2 Dr. Sedan B B Autobianchi 3 Dr. Hatchback B B Avanti 2 Dr. Convertible A A Avanti 2 Dr. Coupe B B Avanti 2 Dr. U/K A A Avanti 4 Dr. Sedan C C Beck 2 Dr. Spyder A A Bentley 2 Dr. Convertible E E Bentley 2 Dr. Convertible Coupe E E Bentley 2 Dr. Coupe E E Bentley 2 Dr. Saloon E E Bentley 2 Dr. Sedan E E Bentley 4 Dr. Coupe E E Bentley 4 Dr. Sedan E E Bertone 2 Dr. Targa A A Bitter 2 Dr. Convertible A A Bitter 2 Dr. Coupe B B Bitter 4 Dr. Sedan C C BMW 2 Dr. Convertible D D BMW 2 Dr. Coupe D D BMW 2 Dr. Hatchback D D BMW 2 Dr. Roadster D D BMW 2 Dr. Sedan E E BMW 4 Dr. Hatchback E E BMW 4 Dr. Sedan E E BMW 4 Dr. Sport Utility Vehicle 4x4 D D BMW 4 Dr. Station Wagon E E BMW 4 Dr. Wagon E E Bristol 2 Dr. Drop Head Coupe B B Bugatti 2 Dr. Convertible A A Bugatti 2 Dr. Coupe B B Buick 0 Dr. Hearse A A Buick 2 Dr. Convertible C C Buick 2 Dr. Coupe B B Buick 2 Dr. Hatchback B B Buick 2 Dr. Hatchback Coupe B B Buick 2 Dr. Minivan A A Buick 2 Dr. Minivan 4x4 A A Buick 2 Dr. Sport Coupe B B Buick 2 Dr. Sport Utility Vehicle A A Buick 4 Dr. Hearse A A Buick 4 Dr. Sedan A A Buick 4 Dr. Station Wagon A A Cadillac 0 Dr. Ambulance A A Cadillac 0 Dr. Commercial Chassis A A Cadillac 0 Dr. Hearse A A Cadillac 2 Dr. Convertible D D Cadillac 2 Dr. Convertible Hardtop D D Cadillac 2 Dr. Coupe D D Cadillac 2 Dr. Hearse A A Cadillac 2 Dr. Incomplete Passenger A A Cadillac 2 Dr. Pickup 4x4 A A Cadillac 2 Dr. Sport Utility Vehicle A A Cadillac 4 Dr. Formal Limousine A A Cadillac 4 Dr. Formal Sedan D D Cadillac 4 Dr. Limousine A A SYM - 2 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Cadillac 4 Dr. Limousine Sedan A A Cadillac 4 Dr. Sedan D D Cadillac 4 Dr. Sport Utility Vehicle 4x4 A A Cadillac 4 Dr. Station Wagon D D Cadillac 4 Dr. Touring Sedan D D Caterham 2 Dr. Roadster A A Checker 4 Dr. Sedan C C Chevrolet 0 Dr. Bus A A Chevrolet 0 Dr. Extended Cab Pickup D D Chevrolet 0 Dr. Extended Cab Pickup 4x4 D D Chevrolet 0 Dr. Extended Cargo Van A A Chevrolet 0 Dr. Extended Passenger Van A A Chevrolet 0 Dr. Incomplete Chassis A A Chevrolet 0 Dr. Incomplete Chassis 4x4 A A Chevrolet 0 Dr. Sport Van A A Chevrolet 0 Dr. U/K A A Chevrolet 0 Dr. Utility Vehicle A A Chevrolet 0 Dr. Utility Vehicle 4x4 A A Chevrolet 0 Dr. Van A A Chevrolet 2 Dr. Aero Coupe C C Chevrolet 2 Dr. Cargo Van A A Chevrolet 2 Dr. Cargo Van 4x4 A A Chevrolet 2 Dr. Chassis & Cab D D Chevrolet 2 Dr. Chassis & Cab 4x4 D D Chevrolet 2 Dr. Club Cab Pickup D D Chevrolet 2 Dr. Club Cab Pickup 4x4 D D Chevrolet 2 Dr. Club Chassis 4x4 D D Chevrolet 2 Dr. Club Coupe C C Chevrolet 2 Dr. Convertible C C Chevrolet 2 Dr. Coupe C C Chevrolet 2 Dr. Crew Cab Pickup D D Chevrolet 2 Dr. Crew Cab Pickup 4x4 D D Chevrolet 2 Dr. Crew Chassis D D Chevrolet 2 Dr. Crew Chassis & Cab D D Chevrolet 2 Dr. Crew Chassis & Cab 4x4 D D Chevrolet 2 Dr. Cutaway D D Chevrolet 2 Dr. Cutaway Van A A Chevrolet 2 Dr. Extended Cab Pickup D D Chevrolet 2 Dr. Extended Cab Pickup 4x4 D D Chevrolet 2 Dr. Extended Cargo Van A A Chevrolet 2 Dr. Extended Cargo Van 4x4 A A Chevrolet 2 Dr. Extended Chassis & Cab D D Chevrolet 2 Dr. Extended Chassis & Cab 4x4 D D Chevrolet 2 Dr. Extended Crew Cab Pickup D D Chevrolet 2 Dr. Extended Crew Cab Pickup 4x4 D D Chevrolet 2 Dr. Extended Minivan A A Chevrolet 2 Dr. Extended Minivan 4x4 A A Chevrolet 2 Dr. Extended Passenger Van A A Chevrolet 2 Dr. Extended Sport Van A A Chevrolet 2 Dr. Extended Sport Van 4x4 A A Chevrolet 2 Dr. Fleetside Long Bed D D Chevrolet 2 Dr. Fleetside Long Bed 4x4 D D Chevrolet 2 Dr. Fleetside Pickup D D Chevrolet 2 Dr. Fleetside Pickup 4x4 D D Chevrolet 2 Dr. Hardtop C C Chevrolet 2 Dr. Hardtop Coupe C C Chevrolet 2 Dr. Hatchback C C Chevrolet 2 Dr. Hatchback Coupe C C Chevrolet 2 Dr. Incomplete Chassis A A Chevrolet 2 Dr. Incomplete Chassis 4x4 A A Chevrolet 2 Dr. Incomplete Extended Van A A Chevrolet 2 Dr. Incomplete Extended Van 4x4 A A Chevrolet 2 Dr. Minivan A A Chevrolet 2 Dr. Minivan 4x4 A A Chevrolet 2 Dr. Panel C C SYM - 3 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Chevrolet 2 Dr. Passenger Van A A Chevrolet 2 Dr. Passenger Van 4x4 A A Chevrolet 2 Dr. Pickup D D Chevrolet 2 Dr. Pickup 4x4 D D Chevrolet 2 Dr. Short Bed Pickup D D Chevrolet 2 Dr. Sport Coupe C C Chevrolet 2 Dr. Sport Utility Vehicle A A Chevrolet 2 Dr. Sport Utility Vehicle 4x4 A A Chevrolet 2 Dr. Sport Van A A Chevrolet 2 Dr. Sport Van 4x4 A A Chevrolet 2 Dr. Station Wagon C C Chevrolet 2 Dr. Stepside Long Bed D D Chevrolet 2 Dr. Stepside Long Bed 4x4 D D Chevrolet 2 Dr. Stepside Pickup D D Chevrolet 2 Dr. Stepside Pickup 4x4 D D Chevrolet 2 Dr. SUV A A Chevrolet 2 Dr. Utility Vehicle A A Chevrolet 2 Dr. Utility Vehicle 4x4 A A Chevrolet 2 Dr. Van A A Chevrolet 3 Dr. Cargo Van A A Chevrolet 3 Dr. Extended Cab Pickup D D Chevrolet 3 Dr. Extended Cab Pickup 4x4 D D Chevrolet 3 Dr. Extended Cargo Van A A Chevrolet 3 Dr. Extended Cargo Van 4x4 A A Chevrolet 3 Dr. Extended Minivan A A Chevrolet 3 Dr. Extended Minivan 4x4 A A Chevrolet 3 Dr. Extended Passenger Van A A Chevrolet 3 Dr. Extended Passenger Van 4x4 A A Chevrolet 3 Dr. Minivan A A Chevrolet 3 Dr. Minivan 4x4 A A Chevrolet 3 Dr. Panel Van A A Chevrolet 3 Dr. Passenger Van A A Chevrolet 3 Dr. Sport Van A A Chevrolet 3 Dr. Step Van A A Chevrolet 4 Dr. Bonus Cab Fleetside Pickup D D Chevrolet 4 Dr. Bonus Cab Fleetside Pickup 4x4 D D Chevrolet 4 Dr. Chassis & Bonus Cab D D Chevrolet 4 Dr. Chassis & Bonus Cab 4x4 D D Chevrolet 4 Dr. Crew Cab Fleetside Pickup D D Chevrolet 4 Dr. Crew Cab Fleetside Pickup 4x4 D D Chevrolet 4 Dr. Crew Cab Pickup D D Chevrolet 4 Dr. Crew Cab Pickup 4x4 D D Chevrolet 4 Dr. Crew Chassis D D Chevrolet 4 Dr. Crew Chassis & Cab D D Chevrolet 4 Dr. Crew Chassis & Cab 4x4 D D Chevrolet 4 Dr. Crew Chassis 4x4 D D Chevrolet 4 Dr. Hatchback Sedan C C Chevrolet 4 Dr. Minivan A A Chevrolet 4 Dr. Passenger Van A A Chevrolet 4 Dr. Sedan C C Chevrolet 4 Dr. Sport Utility A A Chevrolet 4 Dr. Sport Utility Vehicle A A Chevrolet 4 Dr. Sport Utility Vehicle 4x4 A A Chevrolet 4 Dr. Station Wagon C C Chevrolet 4 Dr. Utility Vehicle A A Chevrolet 4 Dr. Utility Vehicle 4x4 A A Chevrolet 5 Dr. Hatchback C C Chevrolet 5 Dr. Hatchback Sedan C C Chevrolet 5 Dr. Sedan C C Chrysler 2 Dr. Convertible C C Chrysler 2 Dr. Coupe B B Chrysler 2 Dr. Hardtop B B Chrysler 2 Dr. Hardtop Coupe B B Chrysler 2 Dr. Hatchback B B Chrysler 2 Dr. Pillared Hardtop B B SYM - 4 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Chrysler 2 Dr. Sedan D D Chrysler 2 Dr. Sport Utility Vehicle D D Chrysler 2 Dr. Sport Van D D Chrysler 2 Dr. Sport Van 4x4 D D Chrysler 2 Dr. Wagon D D Chrysler 3 Dr. Hatchback B B Chrysler 3 Dr. Sport Van D D Chrysler 3 Dr. Sport Van 4x4 D D Chrysler 4 Dr. Convertible C C Chrysler 4 Dr. Hatchback D D Chrysler 4 Dr. Limousine D D Chrysler 4 Dr. Pillared Hardtop D D Chrysler 4 Dr. Pillared Hardtop Sedan D D Chrysler 4 Dr. Sedan D D Chrysler 4 Dr. Sport Van D D Chrysler 4 Dr. Sport Van 4x4 D D Chrysler 4 Dr. Station Wagon D D Citroen 4 Dr. Sedan C C Clenet 2 Dr. Cabriolet A A Clenet 2 Dr. Coupe B B Clenet 2 Dr. Landaulet Coupe B B Corbin 1 Dr. Coupe B B Daewoo 2 Dr. Hatchback B B Daewoo 4 Dr. Hatchback C C Daewoo 4 Dr. Sedan C C Daewoo 4 Dr. Station Wagon C C Daihatsu 2 Dr. Hatchback B B Daihatsu 2 Dr. Sport Utility Convertible A A Daihatsu 2 Dr. Sport Utility Vehicle A A Daihatsu 4 Dr. Sedan C C Datsun 2 Dr. Coupe B B Datsun 2 Dr. Hardtop B B Datsun 2 Dr. Hatchback B B Datsun 2 Dr. King Cab Pickup B B Datsun 2 Dr. King Cab Pickup 4x4 B B Datsun 2 Dr. Notchback B B Datsun 2 Dr. Pickup B B Datsun 2 Dr. Pickup 4x4 B B Datsun 2 Dr. Sedan C C Datsun 4 Dr. Hatchback C C Datsun 4 Dr. Sedan C C Datsun 4 Dr. Station Wagon C C DCX Sprinter 0 Dr. Incomplete Chassis A A DCX Sprinter 3 Dr. Multi-Purpose Vehicle A A DCX Sprinter 3 Dr. Sport Van A A DCX Sprinter 3 Dr. Truck B B DCX Sprinter 3 Dr. Van A A Delorean 2 Dr. Coupe B B DeTomaso 2 Dr. Coupe B B DeTomaso 4 Dr. Sedan C C Dodge 0 Dr. Chassis & Cab C C Dodge 0 Dr. Chassis & Cab 4x4 C C Dodge 0 Dr. Club Cab Pickup 4x4 C C Dodge 0 Dr. Conventional Cab Pickup 4x4 C C Dodge 0 Dr. Extended Cab Pickup C C Dodge 0 Dr. Extended Cab Pickup 4x4 C C Dodge 0 Dr. Extended Minivan B B Dodge 0 Dr. Minivan B B Dodge 0 Dr. Passenger Van B B Dodge 0 Dr. Passenger Wagon B B Dodge 0 Dr. Pickup C C Dodge 0 Dr. Pickup 4x4 C C Dodge 0 Dr. Sport Utility Vehicle 4x4 B B Dodge 0 Dr. Sport Van B B Dodge 0 Dr. Station Wagon B B SYM - 5 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Dodge 0 Dr. Stripped Chassis & Cab C C Dodge 0 Dr. Stripped Chassis & Cab 4x4 C C Dodge 0 Dr. Van B B Dodge 0 Dr. Wagon B B Dodge 2 Dr. Cargo Van B B Dodge 2 Dr. Chassis & Cab C C Dodge 2 Dr. Chassis & Cab 4x4 C C Dodge 2 Dr. Club Cab Pickup C C Dodge 2 Dr. Club Cab Pickup 4x4 C C Dodge 2 Dr. Conventional Cab Pickup C C Dodge 2 Dr. Conventional Cab Pickup 4x4 C C Dodge 2 Dr. Convertible C C Dodge 2 Dr. Convertible 4x4 C C Dodge 2 Dr. Coupe B B Dodge 2 Dr. Crew Cab Pickup C C Dodge 2 Dr. Crew Cab Pickup 4x4 C C Dodge 2 Dr. Extended Cab Pickup C C Dodge 2 Dr. Extended Cab Pickup 4x4 C C Dodge 2 Dr. Extended Cargo Van B B Dodge 2 Dr. Extended Minivan B B Dodge 2 Dr. Extended Minivan 4x4 B B Dodge 2 Dr. Hardtop Coupe B B Dodge 2 Dr. Hatchback B B Dodge 2 Dr. Hatchback Coupe B B Dodge 2 Dr. Heavy Duty Mega Cab Pickup C C Dodge 2 Dr. Heavy Duty Mega Cab Pickup 4x4 C C Dodge 2 Dr. Heavy Duty Pickup C C Dodge 2 Dr. Heavy Duty Pickup 4x4 C C Dodge 2 Dr. Heavy Duty Quad Cab Pickup C C Dodge 2 Dr. Heavy Duty Quad Cab Pickup 4x4 C C Dodge 2 Dr. Light Duty Pickup C C Dodge 2 Dr. Light Duty Pickup 4x4 C C Dodge 2 Dr. Light Duty Quad Cab Pickup 4x4 C C Dodge 2 Dr. Mega Cab Pickup C C Dodge 2 Dr. Mega Cab Pickup 4x4 C C Dodge 2 Dr. Minivan B B Dodge 2 Dr. Open Body Pickup C C Dodge 2 Dr. Pickup C C Dodge 2 Dr. Pickup 4x4 C C Dodge 2 Dr. Quad Cab Pickup C C Dodge 2 Dr. Quad Cab Pickup 4x4 C C Dodge 2 Dr. Roadster C C Dodge 2 Dr. Sedan D D Dodge 2 Dr. Sport Coupe B B Dodge 2 Dr. Sport Utility Vehicle B B Dodge 2 Dr. Sport Utility Vehicle 4x4 B B Dodge 2 Dr. Sport Van B B Dodge 2 Dr. Sweptline Pickup C C Dodge 2 Dr. Sweptline Pickup 4x4 C C Dodge 2 Dr. Utiline Pickup C C Dodge 2 Dr. Utiline Pickup 4x4 C C Dodge 2 Dr. Van B B Dodge 2 Dr. Wagon C C Dodge 2 Dr. Wagon 4x4 C C Dodge 3 Dr. Bus B B Dodge 3 Dr. Cargo Van B B Dodge 3 Dr. Cargo Van 4x4 B B Dodge 3 Dr. Extended Cargo Van B B Dodge 3 Dr. Extended Cargo Van 4x4 B B Dodge 3 Dr. Extended Minivan B B Dodge 3 Dr. Extended Minivan 4x4 B B Dodge 3 Dr. Hatchback B B Dodge 3 Dr. Maxivan B B Dodge 3 Dr. Maxiwagon B B Dodge 3 Dr. Minivan B B SYM - 6 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Dodge 3 Dr. Minivan 4x4 B B Dodge 3 Dr. Van B B Dodge 3 Dr. Wagon B B Dodge 4 Dr. Crew Cab Pickup C C Dodge 4 Dr. Crew Cab Pickup 4x4 C C Dodge 4 Dr. Extended Minivan B B Dodge 4 Dr. Extended Minivan 4x4 B B Dodge 4 Dr. Hatchback D D Dodge 4 Dr. Hatchback Sedan D D Dodge 4 Dr. Light Duty Quad Cab Pickup C C Dodge 4 Dr. Minivan B B Dodge 4 Dr. Pillared Hardtop D D Dodge 4 Dr. Pillared Hardtop Sedan D D Dodge 4 Dr. Quad Cab Pickup C C Dodge 4 Dr. Quad Cab Pickup 4x4 C C Dodge 4 Dr. Sedan D D Dodge 4 Dr. Sport Utility Vehicle B B Dodge 4 Dr. Sport Utility Vehicle 4x4 B B Dodge 4 Dr. Station Wagon D D Dodge 4 Dr. Station Wagon 4x4 D D Duesenberg II 2 Dr. Roadster A A Duesenberg II 4 Dr. Dual Cowl Phaeton A A Eagle 2 Dr. Hatchback B B Eagle 2 Dr. Sedan C C Eagle 4 Dr. Sedan C C Eagle 4 Dr. Station Wagon C C Excalibur 2 Dr. Phaeton A A Excalibur 2 Dr. Roadster A A Excalibur 4 Dr. Sedan A A Ferrari 2 Dr. 2+2 Cabriolet C C Ferrari 2 Dr. 2+2 Coupe C C Ferrari 2 Dr. Berlinetta C C Ferrari 2 Dr. Cabriolet C C Ferrari 2 Dr. Convertible C C Ferrari 2 Dr. Coupe C C Ferrari 2 Dr. Coupe (steel) C C Ferrari 2 Dr. Coupe 2+2 C C Ferrari 2 Dr. Spider C C Ferrari 2 Dr. Targa-Top C C Ferrari 3 Dr. Shooting Brake C C Fiat 2 Dr. Convertible B B Fiat 2 Dr. Coupe A A Fiat 2 Dr. Hatchback A A Fiat 2 Dr. Sedan A A Fiat 2 Dr. Spider B B Fiat 2 Dr. Targa B B Fiat 4 Dr. Hatchback A A Fiat 4 Dr. Sedan A A Fisker 4 Dr. Sedan C C Ford 0 Dr. Bus A A Ford 0 Dr. Commercial Cutaway A A Ford 0 Dr. Cutaway A A Ford 0 Dr. Display Van A A Ford 0 Dr. Extended Incomplete Van A A Ford 0 Dr. Extended Incomplete Van 4x4 A A Ford 0 Dr. Incomplete Chassis A A Ford 0 Dr. Incomplete Extended Van A A Ford 0 Dr. Sport Van A A Ford 0 Dr. Utility Vehicle A A Ford 0 Dr. Utility Vehicle 4x4 A A Ford 0 Dr. Van A A Ford 2 Dr. Bus A A Ford 2 Dr. Cargo Van A A Ford 2 Dr. Chassis & Cab B B Ford 2 Dr. Chassis & Cab 4x4 B B SYM - 7 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Ford 2 Dr. Convertible C C Ford 2 Dr. Coupe B B Ford 2 Dr. Crew Cab Chassis B B Ford 2 Dr. Crew Cab Chassis 4x4 B B Ford 2 Dr. Crew Cab Pickup B B Ford 2 Dr. Crew Cab Pickup 4x4 B B Ford 2 Dr. Cutaway B B Ford 2 Dr. Cutaway Van A A Ford 2 Dr. Electric Car Low Speed B B Ford 2 Dr. Extended Cab Pickup B B Ford 2 Dr. Extended Cab Pickup 4x4 B B Ford 2 Dr. Extended Cargo Van A A Ford 2 Dr. Extended Chassis B B Ford 2 Dr. Extended Chassis 4x4 B B Ford 2 Dr. Extended Flareside Pickup B B Ford 2 Dr. Extended Flareside Pickup 4x4 B B Ford 2 Dr. Extended Incomplete Van A A Ford 2 Dr. Extended Minivan A A Ford 2 Dr. Extended Sport Van A A Ford 2 Dr. Flareside Crew Cab Pickup B B Ford 2 Dr. Flareside Crew Cab Pickup 4x4 B B Ford 2 Dr. Flareside Regular Cab Pickup B B Ford 2 Dr. Flareside Regular Cab Pickup 4x4 B B Ford 2 Dr. Flareside Short Bed B B Ford 2 Dr. Flareside Short Bed 4x4 B B Ford 2 Dr. Fullsize Sport Van A A Ford 2 Dr. Fullsize Van A A Ford 2 Dr. Hatchback B B Ford 2 Dr. Incomplete Chassis B B Ford 2 Dr. Notchback Coupe B B Ford 2 Dr. Passenger Minivan A A Ford 2 Dr. Pickup B B Ford 2 Dr. Pickup 4x4 B B Ford 2 Dr. Regular Cab Pickup B B Ford 2 Dr. Regular Cab Pickup 4x4 B B Ford 2 Dr. Roadster A A Ford 2 Dr. Sedan D D Ford 2 Dr. Sport Utility Vehicle A A Ford 2 Dr. Sport Utility Vehicle 4x4 A A Ford 2 Dr. Sport Van A A Ford 2 Dr. Standard Cab Pickup B B Ford 2 Dr. Standard Cab Pickup 4x4 B B Ford 2 Dr. Station Wagon D D Ford 2 Dr. Station Wagon 4x4 D D Ford 2 Dr. Styleside Crew Cab Pickup B B Ford 2 Dr. Styleside Crew Cab Pickup 4x4 B B Ford 2 Dr. Styleside Extended Cab Pickup B B Ford 2 Dr. Styleside Extended Cab Pickup 4x4 B B Ford 2 Dr. Styleside Long Bed B B Ford 2 Dr. Styleside Long Bed 4x4 B B Ford 2 Dr. Styleside Regular Cab Pickup B B Ford 2 Dr. Styleside Regular Cab Pickup 4x4 B B Ford 2 Dr. Styleside Short Bed B B Ford 2 Dr. Styleside Short Bed 4x4 B B Ford 2 Dr. Styleside Supercab Long Bed B B Ford 2 Dr. Styleside Supercab Long Bed 4x4 B B Ford 2 Dr. Super Cab Pickup B B Ford 2 Dr. Super Cab Pickup 4x4 B B Ford 2 Dr. Wagon D D Ford 2 Dr. Wagon 4x4 D D Ford 3 Dr. Cargo Van A A Ford 3 Dr. Cargo Van 4x4 A A Ford 3 Dr. Coupe B B Ford 3 Dr. Display Van A A Ford 3 Dr. Extended Cab Pickup B B SYM - 8 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Ford 3 Dr. Extended Cab Pickup 4x4 B B Ford 3 Dr. Extended Cargo Van A A Ford 3 Dr. Extended Cargo Van 4x4 A A Ford 3 Dr. Extended Display Van A A Ford 3 Dr. Extended Minivan A A Ford 3 Dr. Extended Minivan 4x4 A A Ford 3 Dr. Extended Passenger Van A A Ford 3 Dr. Extended Sport Van A A Ford 3 Dr. Extended Sport Van 4x4 A A Ford 3 Dr. Extended Van A A Ford 3 Dr. Extended Window Van A A Ford 3 Dr. Flareside Extended Cab Chassis B B Ford 3 Dr. Flareside Extended Cab Chassis 4x4 B B Ford 3 Dr. Flareside Extended Cab Pickup B B Ford 3 Dr. Flareside Extended Cab Pickup 4x4 B B Ford 3 Dr. Fullsize Display Van A A Ford 3 Dr. Fullsize Sport Van A A Ford 3 Dr. Fullsize Van A A Ford 3 Dr. Fullsize Window Van A A Ford 3 Dr. Hatchback B B Ford 3 Dr. Hatchback Coupe B B Ford 3 Dr. Parcel Delivery A A Ford 3 Dr. Passenger Minivan A A Ford 3 Dr. Passenger Minivan 4x4 A A Ford 3 Dr. Passenger Van A A Ford 3 Dr. Runabout Hatchback B B Ford 3 Dr. Styleside Extended Cab Chassis B B Ford 3 Dr. Styleside Extended Cab Chassis 4x4 B B Ford 3 Dr. Styleside Extended Cab Pickup B B Ford 3 Dr. Styleside Extended Cab Pickup 4x4 B B Ford 3 Dr. Window Van A A Ford 4 Dr. Chassis & Cab B B Ford 4 Dr. Chassis & Cab 4x4 B B Ford 4 Dr. Crew Cab Pickup B B Ford 4 Dr. Crew Cab Pickup 4x4 B B Ford 4 Dr. Extended Cab Chassis B B Ford 4 Dr. Extended Cab Chassis 4x4 B B Ford 4 Dr. Extended Cab Pickup B B Ford 4 Dr. Extended Cab Pickup 4x4 B B Ford 4 Dr. Extended Minivan A A Ford 4 Dr. Flareside Extended Cab Pickup B B Ford 4 Dr. Flareside Extended Cab Pickup 4x4 B B Ford 4 Dr. Hatchback D D Ford 4 Dr. Sedan D D Ford 4 Dr. Sport Utility Vehicle A A Ford 4 Dr. Sport Utility Vehicle 4x4 A A Ford 4 Dr. Station Wagon D D Ford 4 Dr. Styleside Extended Cab Pickup B B Ford 4 Dr. Styleside Extended Cab Pickup 4x4 B B Ford 5 Dr. Hatchback D D GEM 2 Dr. Low Speed Passenger Vehicle A A GEM 4 Dr. Low Speed Passenger Vehicle A A Geo 2 Dr. 2+2 Coupe B B Geo 2 Dr. Convertible A A Geo 2 Dr. Coupe B B Geo 2 Dr. Hatchback B B Geo 2 Dr. Sport Utility Vehicle A A Geo 2 Dr. Sport Utility Vehicle 4x4 A A Geo 4 Dr. Hatchback C C Geo 4 Dr. Sedan C C Geo 4 Dr. Sport Utility Vehicle A A Geo 4 Dr. Sport Utility Vehicle 4x4 A A GM 2 Dr. Coupe B B GMC 0 Dr. Chassis & Cab B B GMC 0 Dr. Chassis & Cab 4x4 B B SYM - 9 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

GMC 0 Dr. Cutaway B B GMC 0 Dr. Extended Incomplete Van A A GMC 0 Dr. Extended Incomplete Van 4x4 A A GMC 0 Dr. Incomplete Chassis B B GMC 0 Dr. Incomplete Chassis 4x4 B B GMC 0 Dr. Sport Van A A GMC 0 Dr. Utility Vehicle A A GMC 0 Dr. Van A A GMC 2 Dr. Cargo Van A A GMC 2 Dr. Cargo Van 4x4 A A GMC 2 Dr. Chassis & Cab B B GMC 2 Dr. Chassis & Cab 4x4 B B GMC 2 Dr. Club Cab Pickup B B GMC 2 Dr. Club Cab Pickup 4x4 B B GMC 2 Dr. Club Chassis B B GMC 2 Dr. Club Chassis 4x4 B B GMC 2 Dr. Crew Cab Pickup B B GMC 2 Dr. Crew Cab Pickup 4x4 B B GMC 2 Dr. Crew Chassis B B GMC 2 Dr. Crew Chassis 4x4 B B GMC 2 Dr. Cutaway B B GMC 2 Dr. Extended Cab Pickup B B GMC 2 Dr. Extended Cab Pickup 4x4 B B GMC 2 Dr. Extended Cargo Van A A GMC 2 Dr. Extended Cargo Van 4x4 A A GMC 2 Dr. Extended Chassis & Cab B B GMC 2 Dr. Extended Chassis & Cab 4x4 B B GMC 2 Dr. Extended Incomplete Van A A GMC 2 Dr. Extended Incomplete Van 4x4 A A GMC 2 Dr. Extended Sport Van A A GMC 2 Dr. Extended Sport Van 4x4 A A GMC 2 Dr. Fenderside Pickup B B GMC 2 Dr. Fenderside Pickup 4x4 B B GMC 2 Dr. Incomplete Chassis B B GMC 2 Dr. Incomplete Chassis 4x4 B B GMC 2 Dr. Pickup B B GMC 2 Dr. Pickup 4x4 B B GMC 2 Dr. Platform B B GMC 2 Dr. Platform 4x4 B B GMC 2 Dr. Sport Utility Vehicle A A GMC 2 Dr. Sport Utility Vehicle 4x4 A A GMC 2 Dr. Sport Van A A GMC 2 Dr. Sport Van 4x4 A A GMC 2 Dr. Stake B B GMC 2 Dr. Stake 4x4 B B GMC 2 Dr. Suburban & Carry All A A GMC 2 Dr. Suburban & Carry All 4x4 A A GMC 2 Dr. Tilt Cab B B GMC 2 Dr. Utility Vehicle A A GMC 2 Dr. Utility Vehicle 4x4 A A GMC 2 Dr. Wideside Pickup B B GMC 2 Dr. Wideside Pickup 4x4 B B GMC 3 Dr. Cargo Van A A GMC 3 Dr. Extended Cab Pickup B B GMC 3 Dr. Extended Cab Pickup 4x4 B B GMC 3 Dr. Extended Cargo Van A A GMC 3 Dr. Extended Cargo Van 4x4 A A GMC 3 Dr. Extended Sport Van A A GMC 3 Dr. Extended Sport Van 4x4 A A GMC 3 Dr. Extended Van A A GMC 3 Dr. Sport Van A A GMC 3 Dr. Sport Van 4x4 A A GMC 3 Dr. Step Van A A GMC 3 Dr. Van A A GMC 3 Dr. Van 4x4 A A SYM - 10 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

GMC 4 Dr. Chassis & Bonus Cab B B GMC 4 Dr. Chassis & Bonus Cab 4x4 B B GMC 4 Dr. Crew Cab Pickup B B GMC 4 Dr. Crew Cab Pickup 4x4 B B GMC 4 Dr. Crew Chassis B B GMC 4 Dr. Crew Chassis & Cab B B GMC 4 Dr. Crew Chassis & Cab 4x4 B B GMC 4 Dr. Crew Chassis 4x4 B B GMC 4 Dr. Sport Utility Vehicle A A GMC 4 Dr. Sport Utility Vehicle 4x4 A A GMC 4 Dr. Utility Vehicle A A GMC 4 Dr. Utility Vehicle 4x4 A A GMC 4 Dr. Wideside Bonus Cab Pickup B B GMC 4 Dr. Wideside Bonus Cab Pickup 4x4 B B GMC 4 Dr. Wideside Crew Cab Pickup B B GMC 4 Dr. Wideside Crew Cab Pickup 4x4 B B Honda 2 Dr. Convertible D D Honda 2 Dr. Coupe D D Honda 2 Dr. Hatchback D D Honda 2 Dr. Roadster D D Honda 2 Dr. Sedan D D Honda 3 Dr. Hatchback D D Honda 4 Dr. Hatchback D D Honda 4 Dr. Pickup 4x4 D D Honda 4 Dr. Sedan D D Honda 4 Dr. Sport Utility Vehicle D D Honda 4 Dr. Sport Utility Vehicle 4x4 D D Honda 4 Dr. Van D D Honda 4 Dr. Wagon D D Hummer 2 Dr. Crew Cab Pickup 4x4 B B Hummer 2 Dr. Sport Utility Vehicle A A Hummer 2 Dr. Utility Vehicle 4x4 A A Hummer 2 Dr. Wagon 4x4 A A Hummer 4 Dr. Sport Utility Vehicle 4x4 A A Hyundai 2 Dr. Coupe B B Hyundai 2 Dr. Hatchback B B Hyundai 4 Dr. Hatchback C C Hyundai 4 Dr. Sedan C C Hyundai 4 Dr. Sport Utility Vehicle A A Hyundai 4 Dr. Sport Utility Vehicle 4x4 A A Hyundai 4 Dr. Sport Van A A Hyundai 4 Dr. Station Wagon C C Hyundai 4 Dr. Utility Vehicle A A Hyundai 4 Dr. Utility Vehicle 4x4 A A Infiniti 2 Dr. Convertible A A Infiniti 2 Dr. Coupe B B Infiniti 4 Dr. Sedan C C Infiniti 4 Dr. Sport Utility Vehicle A A Infiniti 4 Dr. Sport Utility Vehicle 4x4 A A Infiniti 4 Dr. Station Wagon C C International (IHC) 2 Dr. Pickup 4x4 B B International (IHC) 2 Dr. Station Wagon 4x4 A A International (IHC) 2 Dr. Traveltop Utility 4x4 B B Isuzu 2 Dr. Club Cab Pickup B B Isuzu 2 Dr. Club Cab Pickup 4x4 B B Isuzu 2 Dr. Coupe B B Isuzu 2 Dr. Crew Cab Pickup B B Isuzu 2 Dr. Extended Cab Pickup B B Isuzu 2 Dr. Extended Cab Pickup 4x4 B B Isuzu 2 Dr. Hatchback B B Isuzu 2 Dr. Long Bed Pickup B B Isuzu 2 Dr. Pickup B B Isuzu 2 Dr. Pickup 4x4 B B Isuzu 2 Dr. Short Bed Pickup B B Isuzu 2 Dr. Short Bed Pickup 4x4 B B SYM - 11 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Isuzu 2 Dr. Space Cab Pickup B B Isuzu 2 Dr. Space Cab Pickup 4x4 B B Isuzu 2 Dr. Sport Utility Vehicle A A Isuzu 2 Dr. Sport Utility Vehicle 4x4 A A Isuzu 2 Dr. Tilt Cab B B Isuzu 4 Dr. Crew Cab Pickup B B Isuzu 4 Dr. Crew Cab Pickup 4x4 B B Isuzu 4 Dr. Extended Cab Pickup B B Isuzu 4 Dr. Sedan C C Isuzu 4 Dr. Sport Utility Vehicle A A Isuzu 4 Dr. Sport Utility Vehicle 4x4 A A Isuzu 4 Dr. Van A A Jaguar 2 Dr. Cabriolet D D Jaguar 2 Dr. Convertible D D Jaguar 2 Dr. Coupe C C Jaguar 2 Dr. Sedan D D Jaguar 4 Dr. Sedan D D Jaguar 4 Dr. Station Wagon D D Jeep 0 Dr. Utility Vehicle 4x4 A A Jeep 2 Dr. Pickup A A Jeep 2 Dr. Pickup 4x4 A A Jeep 2 Dr. Sport Utility Vehicle A A Jeep 2 Dr. Sport Utility Vehicle 4x4 A A Jeep 2 Dr. Sportside Pickup 4x4 A A Jeep 2 Dr. Station Wagon 4x4 A A Jeep 2 Dr. Townside Pickup 4x4 A A Jeep 2 Dr. Utility Vehicle 4x4 A A Jeep 2 Dr. Wide Wheel Wagon 4x4 A A Jeep 4 Dr. Sport Utility Vehicle A A Jeep 4 Dr. Sport Utility Vehicle 4x4 A A Jeep 4 Dr. Station Wagon 4x4 A A Jeep 4 Dr. Utility Vehicle 4x4 A A Jeep 4 Dr. Wagon 4x4 A A Jeep 4 Dr. Wide Wheel Wagon 4x4 A A Kia 2 Dr. Sport Utility Vehicle A A Kia 2 Dr. Sport Utility Vehicle 4x4 A A Kia 4 Dr. Hatchback C C Kia 4 Dr. Passenger Minivan A A Kia 4 Dr. Sedan C C Kia 4 Dr. Sport Utility Vehicle A A Kia 4 Dr. Sport Utility Vehicle 4x4 A A Kia 4 Dr. Station Wagon C C Kia 5 Dr. Hatchback C C Koenigsegg 2 Dr. Targa A A Laforza 5 Dr. Station Wagon C C Lamborghini 2 Dr. Convertible C C Lamborghini 2 Dr. Coupe C C Lamborghini 2 Dr. Roadster C C Lamborghini 2 Dr. Spider C C Lamborghini 2 Dr. Spyder C C Lamborghini 4 Dr. Sport Utility Vehicle C C Lancia 2 Dr. Coupe B B Lancia 2 Dr. Spider A A Lancia 2 Dr. Wagon C C Lancia 4 Dr. Sedan C C Lancia 4 Dr. Station Wagon C C Lancia 5 Dr. Hatchback C C Land Rover 2 Dr. Pickup 4x4 B B Land Rover 2 Dr. Soft Top 4x4 B B Land Rover 2 Dr. Sport Utility Vehicle 4x4 B B Land Rover 2 Dr. Wagon 4x4 B B Land Rover 4 Dr. Sport Utility Vehicle 4x4 B B Land Rover 4 Dr. Wagon 4x4 B B Lexus 2 Dr. Convertible E E Lexus 2 Dr. Coupe E E SYM - 12 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Lexus 4 Dr. Sedan E E Lexus 4 Dr. Sport Utility Vehicle E E Lexus 4 Dr. Sport Utility Vehicle 4x4 E E Lexus 4 Dr. Station Wagon E E Lincoln 0 Dr. Incomplete Passenger A A Lincoln 2 Dr. Coupe C C Lincoln 2 Dr. Crew Cab Pickup A A Lincoln 2 Dr. Crew Cab Pickup 4x4 A A Lincoln 2 Dr. Limousine A A Lincoln 2 Dr. Sedan D D Lincoln 2 Dr. Sport Utility Vehicle A A Lincoln 4 Dr. Limousine A A Lincoln 4 Dr. Sedan D D Lincoln 4 Dr. Sport Utility Vehicle A A Lincoln 4 Dr. Sport Utility Vehicle 4x4 A A Lotus 2 Dr. Convertible D D Lotus 2 Dr. Coupe D D Lotus 2 Dr. Roadster D D Maserati 2 Dr. Convertible E E Maserati 2 Dr. Coupe E E Maserati 2 Dr. Sedan E E Maserati 2 Dr. Spider E E Maserati 2 Dr. Spyder E E Maserati 4 Dr. Sedan E E Matra 2 Dr. Coupe B B Maybach 4 Dr. Sedan C C Mazda 2 Dr. Cab Plus Pickup B B Mazda 2 Dr. Cab Plus Pickup 4x4 B B Mazda 2 Dr. Club Cab Pickup B B Mazda 2 Dr. Club Cab Pickup 4x4 B B Mazda 2 Dr. Convertible C C Mazda 2 Dr. Coupe C C Mazda 2 Dr. Extended Cab Pickup B B Mazda 2 Dr. Extended Cab Pickup 4x4 B B Mazda 2 Dr. Hardtop C C Mazda 2 Dr. Hatchback C C Mazda 2 Dr. Long Bed Pickup B B Mazda 2 Dr. Long Body Pickup 4x4 B B Mazda 2 Dr. Pickup B B Mazda 2 Dr. Pickup 4x4 B B Mazda 2 Dr. Short Bed Pickup B B Mazda 2 Dr. Short Body Pickup B B Mazda 2 Dr. Short Body Pickup 4x4 B B Mazda 2 Dr. Sport Utility Vehicle B B Mazda 2 Dr. Sport Utility Vehicle 4x4 B B Mazda 2 Dr. Utility Vehicle B B Mazda 2 Dr. Utility Vehicle 4x4 B B Mazda 3 Dr. Minivan B B Mazda 3 Dr. Minivan 4x4 B B Mazda 3 Dr. Sport Van B B Mazda 3 Dr. Sport Van 4x4 B B Mazda 4 Dr. Coupe C C Mazda 4 Dr. Crew Cab Pickup B B Mazda 4 Dr. Crew Cab Pickup 4x4 B B Mazda 4 Dr. Extended Cab Pickup B B Mazda 4 Dr. Extended Cab Pickup 4x4 B B Mazda 4 Dr. Hatchback B B Mazda 4 Dr. Minivan B B Mazda 4 Dr. Sedan B B Mazda 4 Dr. Sport Utility Vehicle B B Mazda 4 Dr. Sport Utility Vehicle 4x4 B B Mazda 4 Dr. Sport Van B B Mazda 4 Dr. Sport Van 4x4 B B Mazda 4 Dr. Station Wagon B B Mazda 4 Dr. Super Cab Pickup B B SYM - 13 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Mazda 5 Dr. Sedan B B McLaren 2 Dr. Coupe B B McLaren 2 Dr. Spider A A Mercedes-Benz 2 Dr. Cabriolet D D Mercedes-Benz 2 Dr. Convertible D D Mercedes-Benz 2 Dr. Coupe E E Mercedes-Benz 2 Dr. Roadster D D Mercedes-Benz 4 Dr. Coupe E E Mercedes-Benz 4 Dr. Sedan E E Mercedes-Benz 4 Dr. Sport Utility Vehicle E E Mercedes-Benz 4 Dr. Sport Utility Vehicle 4x4 E E Mercedes-Benz 4 Dr. Station Wagon E E Mercedes-Benz 4 Dr. Wagon E E Mercedes-Benz 4 Dr. Wagon 4x4 E E Mercury 0 Dr. Incomplete Chassis B B Mercury 2 Dr. Convertible B B Mercury 2 Dr. Coupe B B Mercury 2 Dr. Hardtop Coupe B B Mercury 2 Dr. Hatchback B B Mercury 2 Dr. Multi Purpose Van B B Mercury 2 Dr. Sedan C C Mercury 2 Dr. Sport Coupe B B Mercury 2 Dr. Sport Utility Vehicle B B Mercury 2 Dr. Sport Van B B Mercury 2 Dr. Station Wagon C C Mercury 3 Dr. Cargo Van B B Mercury 3 Dr. Fastback B B Mercury 3 Dr. Hatchback B B Mercury 3 Dr. Hatchback Coupe B B Mercury 3 Dr. Hatchback Sedan C C Mercury 3 Dr. Sport Van B B Mercury 4 Dr. Hatchback C C Mercury 4 Dr. Sedan C C Mercury 4 Dr. Sport Utility Vehicle B B Mercury 4 Dr. Sport Utility Vehicle 4x4 B B Mercury 4 Dr. Station Wagon C C Merkur 2 Dr. Coupe B B Merkur 4 Dr. Sedan C C MG 2 Dr. Convertible A A MG 2 Dr. Coupe A A MG 2 Dr. Roadster A A Mini 2 Dr. Convertible E E Mini 2 Dr. Coupe E E Mini 2 Dr. Hardtop E E Mini 2 Dr. Hatchback E E Mini 2 Dr. Roadster E E Mini 2 Dr. Station Wagon E E Mini 4 Dr. Hardtop E E Mini 4 Dr. Hatchback E E Mini 4 Dr. Station Wagon E E Mitsubishi 2 Dr. Convertible A A Mitsubishi 2 Dr. Coupe A A Mitsubishi 2 Dr. Hatchback A A Mitsubishi 2 Dr. Pickup A A Mitsubishi 2 Dr. Pickup 4x4 A A Mitsubishi 2 Dr. Sedan A A Mitsubishi 2 Dr. Sport Utility Vehicle 4x4 A A Mitsubishi 3 Dr. Van A A Mitsubishi 4 Dr. Crew Cab Pickup A A Mitsubishi 4 Dr. Crew Cab Pickup 4x4 A A Mitsubishi 4 Dr. Extended Cab Pickup A A Mitsubishi 4 Dr. Extended Cab Pickup 4x4 A A Mitsubishi 4 Dr. Hatchback A A Mitsubishi 4 Dr. Pickup A A Mitsubishi 4 Dr. Pickup 4x4 A A SYM - 14 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Mitsubishi 4 Dr. Pillared Hardtop Sedan A A Mitsubishi 4 Dr. Sedan A A Mitsubishi 4 Dr. Sport Utility Vehicle A A Mitsubishi 4 Dr. Sport Utility Vehicle 4x4 A A Mitsubishi 4 Dr. Station Wagon A A Mitsubishi 4 Dr. Utility Vehicle 4x4 A A Morgan 2 Dr. Convertible D D Morgan 2 Dr. Coupe D D Morgan 2 Dr. Roadster D D Morgan 2 Dr. Roadster 2+2 D D Morgan 2 Dr. Targa D D Nissan 0 Dr. Incomplete Chassis E E Nissan 2 Dr. Chassis & Cab E E Nissan 2 Dr. Convertible E E Nissan 2 Dr. Coupe D D Nissan 2 Dr. Hatchback D D Nissan 2 Dr. King Cab Pickup E E Nissan 2 Dr. King Cab Pickup 4x4 E E Nissan 2 Dr. Long Bed Pickup E E Nissan 2 Dr. Long Bed Pickup 4x4 E E Nissan 2 Dr. Pickup E E Nissan 2 Dr. Pickup 4x4 E E Nissan 2 Dr. Regular Cab Pickup E E Nissan 2 Dr. Regular Cab Pickup 4x4 E E Nissan 2 Dr. Roadster E E Nissan 2 Dr. Sedan E E Nissan 2 Dr. Short Bed Pickup E E Nissan 2 Dr. Short Bed Pickup 4x4 E E Nissan 2 Dr. Sport Utility Vehicle 4x4 E E Nissan 2 Dr. Standard Bed Pickup E E Nissan 2 Dr. US King Cab Pickup E E Nissan 2 Dr. US King Cab Pickup 4x4 E E Nissan 2 Dr. US Long Bed Pickup E E Nissan 2 Dr. US Long Bed Pickup 4x4 E E Nissan 2 Dr. US Short Bed Pickup E E Nissan 2 Dr. US Short Bed Pickup 4x4 E E Nissan 2 Dr. US Standard Bed Pickup E E Nissan 2 Dr. Utility Vehicle E E Nissan 2 Dr. Utility Vehicle 4x4 E E Nissan 3 Dr. Sport Van E E Nissan 4 Dr. Crew Cab Pickup E E Nissan 4 Dr. Crew Cab Pickup 4x4 E E Nissan 4 Dr. Extended Cab Pickup E E Nissan 4 Dr. Extended Cab Pickup 4x4 E E Nissan 4 Dr. Hardtop Hatchback E E Nissan 4 Dr. Hatchback E E Nissan 4 Dr. Sedan E E Nissan 4 Dr. Sport Utility Vehicle E E Nissan 4 Dr. Sport Utility Vehicle 4x4 E E Nissan 4 Dr. Sport Van E E Nissan 4 Dr. Station Wagon E E Nissan 4 Dr. Van E E Nissan 4 Dr. Wagon E E Noble 2 Dr. Convertible A A Noble 2 Dr. Coupe B B Oldsmobile 2 Dr. Convertible D D Oldsmobile 2 Dr. Coupe B B Oldsmobile 2 Dr. Extended Sport Van D D Oldsmobile 2 Dr. Extended Sport Van 4x4 D D Oldsmobile 2 Dr. Hatchback B B Oldsmobile 2 Dr. Hatchback Coupe B B Oldsmobile 2 Dr. Sport Utility Vehicle D D Oldsmobile 3 Dr. Extended Sport Van D D Oldsmobile 3 Dr. Sport Van D D Oldsmobile 4 Dr. Extended Sport Van D D SYM - 15 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Oldsmobile 4 Dr. Sedan C C Oldsmobile 4 Dr. Sport Utility Vehicle 4x4 D D Oldsmobile 4 Dr. Sport Van D D Oldsmobile 4 Dr. Station Wagon C C Oldsmobile 4 Dr. Utility Vehicle 4x4 D D Opel 2 Dr. Coupe B B Panoz 2 Dr. Convertible A A Panoz 2 Dr. Coupe B B Panoz 2 Dr. Roadster A A Panther 2 Dr. Convertible A A Panther 2 Dr. Sedan C C Panther 4 Dr. Sedan C C Peugeot 2 Dr. Cabriolet A A Peugeot 2 Dr. Coupe B B Peugeot 2 Dr. Hatchback B B Peugeot 3 Dr. Hatchback B B Peugeot 4 Dr. Sedan C C Peugeot 4 Dr. Station Wagon C C Pininfarina 2 Dr. Convertible A A Plymouth 2 Dr. Convertible A A Plymouth 2 Dr. Coupe A A Plymouth 2 Dr. Hardtop A A Plymouth 2 Dr. Hatchback A A Plymouth 2 Dr. Hatchback Coupe A A Plymouth 2 Dr. Minivan A A Plymouth 2 Dr. Pickup A A Plymouth 2 Dr. Sedan A A Plymouth 2 Dr. Sport Coupe A A Plymouth 2 Dr. Sport Utility Vehicle A A Plymouth 2 Dr. Sport Utility Vehicle 4x4 A A Plymouth 3 Dr. Minivan A A Plymouth 3 Dr. Minivan 4x4 A A Plymouth 4 Dr. Hatchback A A Plymouth 4 Dr. Hatchback Sedan A A Plymouth 4 Dr. Minivan A A Plymouth 4 Dr. Pillared Hardtop A A Plymouth 4 Dr. Pillared Hardtop Sedan A A Plymouth 4 Dr. Sedan A A Plymouth 4 Dr. Station Wagon A A Pontiac 2 Dr. Convertible C C Pontiac 2 Dr. Coupe B B Pontiac 2 Dr. Extended Minivan A A Pontiac 2 Dr. Extended Minivan 4x4 A A Pontiac 2 Dr. Hardtop B B Pontiac 2 Dr. Hatchback B B Pontiac 2 Dr. Hatchback Coupe B B Pontiac 2 Dr. Minivan A A Pontiac 2 Dr. Notchback Coupe B B Pontiac 2 Dr. Sport Coupe B B Pontiac 2 Dr. Sport Utility Vehicle A A Pontiac 2 Dr. Turbo Coupe B B Pontiac 3 Dr. Extended Minivan A A Pontiac 3 Dr. Minivan A A Pontiac 4 Dr. Extended Minivan A A Pontiac 4 Dr. Hatchback C C Pontiac 4 Dr. Minivan A A Pontiac 4 Dr. Sedan C C Pontiac 4 Dr. Station Wagon C C Pontiac 4 Dr. Wagon C C Pontiac 5 Dr. Hatchback Sedan C C Porsche 2 Dr. Cabriolet D D Porsche 2 Dr. Convertible D D Porsche 2 Dr. Coupe D D Porsche 2 Dr. Roadster D D Porsche 2 Dr. Speedster D D SYM - 16 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Porsche 2 Dr. Spyder D D Porsche 2 Dr. Targa D D Porsche 4 Dr. Sedan A A Porsche 4 Dr. Sport Utility Vehicle 4x4 A A Puma 2 Dr. Convertible A A Puma 2 Dr. Coupe B B Qvale 2 Dr. Convertible A A Reliant 2 Dr. Convertible A A Reliant 2 Dr. Station Wagon C C Renault 2 Dr. Convertible A A Renault 2 Dr. Coupe B B Renault 2 Dr. Hatchback B B Renault 2 Dr. Sedan C C Renault 4 Dr. Hatchback C C Renault 4 Dr. Sedan C C Renault 4 Dr. Station Wagon C C Rolls-Royce 2 Dr. Convertible B B Rolls-Royce 2 Dr. Convertible Coupe B B Rolls-Royce 2 Dr. Coupe D D Rolls-Royce 2 Dr. Drop Head Coupe D D Rolls-Royce 2 Dr. Fixed-Head Coupe D D Rolls-Royce 2 Dr. Sedan D D Rolls-Royce 4 Dr. Limousine D D Rolls-Royce 4 Dr. Limousine Sedan D D Rolls-Royce 4 Dr. Sedan D D Rossion 2 Dr. Coupe B B Rover 4 Dr. Sedan C C Saab 2 Dr. Convertible D D Saab 2 Dr. Coupe D D Saab 2 Dr. Hatchback D D Saab 2 Dr. Sedan D D Saab 3 Dr. Hatchback D D Saab 4 Dr. Hatchback D D Saab 4 Dr. Sedan D D Saab 4 Dr. Sport Utility Vehicle 4x4 D D Saab 4 Dr. Station Wagon D D Saab 4 Dr. Utility Vehicle 4x4 D D Saleen 2 Dr. Coupe B B Saturn 2 Dr. Convertible A A Saturn 2 Dr. Coupe B B Saturn 2 Dr. Hatchback B B Saturn 2 Dr. Roadster A A Saturn 2 Dr. Sport Utility Vehicle A A Saturn 2 Dr. Sport Van A A Saturn 2 Dr. Sport Van 4x4 A A Saturn 3 Dr. Coupe B B Saturn 4 Dr. Coupe B B Saturn 4 Dr. Hatchback C C Saturn 4 Dr. Sedan C C Saturn 4 Dr. Station Wagon C C Scion 2 Dr. Coupe B B Scion 2 Dr. Liftback B B Scion 3 Dr. Liftback B B Scion 4 Dr. Hatchback C C Scion 4 Dr. Sport Utility Vehicle A A Scion 4 Dr. Wagon C C Shelby 2 Dr. Convertible B B Smart 2 Dr. Convertible A A Smart 2 Dr. Coupe A A Sprinter 2 Dr. Bus A A Sprinter 2 Dr. Cargo Van A A Sprinter 2 Dr. Incomplete Chassis A A Sprinter 2 Dr. Sport Van A A Sprinter 2 Dr. Van A A Spyker 2 Dr. Convertible A A SYM - 17 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Spyker 2 Dr. Coupe B B Sterling 4 Dr. Hatchback C C Sterling 4 Dr. Sedan C C Stutz 2 Dr. Convertible A A Stutz 2 Dr. Coupe B B Stutz 4 Dr. Limousine A A Stutz 4 Dr. Sedan C C Subaru 2 Dr. Coupe B B Subaru 2 Dr. Hardtop B B Subaru 2 Dr. Hatchback B B Subaru 2 Dr. Pickup B B Subaru 2 Dr. Pickup 4x4 B B Subaru 3 Dr. Hatchback B B Subaru 3 Dr. Sedan C C Subaru 4 Dr. Crew Cab Pickup 4x4 B B Subaru 4 Dr. Hatchback C C Subaru 4 Dr. Sedan C C Subaru 4 Dr. Sport Utility Vehicle 4x4 A A Subaru 4 Dr. Station Wagon C C Subaru 4 Dr. Utility Vehicle 4x4 A A Subaru 4 Dr. Wagon C C Subaru 4 Dr. Wagon 4x4 C C Suzuki 2 Dr. Convertible Sport Utility A A Suzuki 2 Dr. Convertible Sport Utility 4x4 A A Suzuki 2 Dr. Hatchback B B Suzuki 2 Dr. Sport Utility Vehicle A A Suzuki 2 Dr. Sport Utility Vehicle 4x4 A A Suzuki 2 Dr. Utility Vehicle 4x4 A A Suzuki 4 Dr. Crew Cab Pickup B B Suzuki 4 Dr. Crew Cab Pickup 4x4 B B Suzuki 4 Dr. Extended Cab Pickup B B Suzuki 4 Dr. Extended Cab Pickup 4x4 B B Suzuki 4 Dr. Hatchback C C Suzuki 4 Dr. Sedan C C Suzuki 4 Dr. Sport Utility Vehicle A A Suzuki 4 Dr. Sport Utility Vehicle 4x4 A A Suzuki 4 Dr. Station Wagon C C Talbo 2 Dr. Coupe B B Talbot 2 Dr. Hatchback B B Tesla 2 Dr. Convertible A A Tesla 4 Dr. Sedan C C Tiffany 2 Dr. Coupe B B Toyota 2 Dr. Chassis & Cab B B Toyota 2 Dr. Club Cab Pickup B B Toyota 2 Dr. Club Cab Pickup 4x4 B B Toyota 2 Dr. Convertible A A Toyota 2 Dr. Coupe C C Toyota 2 Dr. Coupe, W-Sport Roof C C Toyota 2 Dr. Extra Long Xcab Pickup B B Toyota 2 Dr. Extra Long Xcab Pickup 4x4 B B Toyota 2 Dr. Hardtop 4x4 C C Toyota 2 Dr. Hardtop Coupe C C Toyota 2 Dr. Hatchback C C Toyota 2 Dr. Liftback C C Toyota 2 Dr. Long Bed Pickup B B Toyota 2 Dr. Long Bed Pickup 4x4 B B Toyota 2 Dr. Pickup B B Toyota 2 Dr. Pickup 4x4 B B Toyota 2 Dr. Sedan C C Toyota 2 Dr. Short Bed Pickup B B Toyota 2 Dr. Short Bed Pickup 4x4 B B Toyota 2 Dr. Short Bed Xcab Pickup 4x4 B B Toyota 2 Dr. Sport Utility Vehicle B B Toyota 2 Dr. Sport Utility Vehicle 4x4 B B Toyota 2 Dr. Super Long Wheelbase Chassis and Cab B B SYM - 18 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Toyota 2 Dr. Super LWB Chassis & Cab B B Toyota 2 Dr. Xtra Cab Long Bed Pickup 4x4 B B Toyota 2 Dr. Xtra Cab Pickup B B Toyota 2 Dr. Xtra Cab Pickup 4x4 B B Toyota 3 Dr. Cargo Van B B Toyota 3 Dr. Cargo Van 4x4 B B Toyota 3 Dr. Hatchback C C Toyota 3 Dr. Liftback C C Toyota 3 Dr. Passenger Minivan B B Toyota 3 Dr. Passenger Minivan 4x4 B B Toyota 3 Dr. Pickup B B Toyota 3 Dr. Pickup 4x4 B B Toyota 3 Dr. Sport Van B B Toyota 3 Dr. Sport Van 4x4 B B Toyota 4 Dr. Cargo Van B B Toyota 4 Dr. Crew Cab Pickup B B Toyota 4 Dr. Crew Cab Pickup 4x4 B B Toyota 4 Dr. Extended Cab Pickup B B Toyota 4 Dr. Extended Cab Pickup 4x4 B B Toyota 4 Dr. Hatchback C C Toyota 4 Dr. Liftback C C Toyota 4 Dr. Minivan B B Toyota 4 Dr. Minivan 4x4 B B Toyota 4 Dr. Passenger Minivan B B Toyota 4 Dr. Passenger Minivan 4x4 B B Toyota 4 Dr. Pickup B B Toyota 4 Dr. Pickup 4x4 B B Toyota 4 Dr. Sedan C C Toyota 4 Dr. Sport Utility Vehicle B B Toyota 4 Dr. Sport Utility Vehicle 4x4 B B Toyota 4 Dr. Station Wagon C C Toyota 4 Dr. Station Wagon 4x4 C C Toyota 4 Dr. Utility Vehicle 4x4 B B Toyota 5 Dr. Pickup B B Triumph 2 Dr. Convertible A A Triumph 2 Dr. Coupe B B Triumph 4 Dr. Sedan C C TVR 2 Dr. Convertible A A TVR 2 Dr. Coupe B B Vauxhall 2 Dr. Coupe B B Vector 2 Dr. Coupe B B Volkswagen 2 Dr. Cabriolet B B Volkswagen 2 Dr. Convertible B B Volkswagen 2 Dr. Coupe B B Volkswagen 2 Dr. Hatchback B B Volkswagen 2 Dr. Pickup C C Volkswagen 2 Dr. Sedan C C Volkswagen 2 Dr. Station Wagon C C Volkswagen 4 Dr. Hatchback C C Volkswagen 4 Dr. Sedan C C Volkswagen 4 Dr. Station Wagon C C Volkswagen 4 Dr. Wagon C C Volkswagen 5 Dr. Station Wagon C C Volvo 2 Dr. Convertible B B Volvo 2 Dr. Coupe B B Volvo 2 Dr. Hatchback B B Volvo 2 Dr. Sedan B B Volvo 4 Dr. Sedan B B Volvo 4 Dr. Sport Utility Vehicle B B Volvo 4 Dr. Sport Utility Vehicle 4x4 B B Volvo 4 Dr. Station Wagon B B Volvo 4 Dr. Wagon B B Yugo 2 Dr. Convertible A A Yugo 2 Dr. Hatchback B B Zimmer 2 Dr. Convertible A A SYM - 19 of 20 CAM Ed. Date 11/16 CLASSIC AUTOMOBILE VEHICLE SYMBOLS Edition Date: November 2016

Vehicle Make Doors Body Type Collision Other Than Symbol Collision Symbol

Zimmer 2 Dr. Coupe A A Zimmer 2 Dr. Sport Coupe A A Zimmer 4 Dr. Convertible A A Zimmer 4 Dr. Sedan A A

SYM - 20 of 20 CAM Ed. Date 11/16 AC 14 49 06 17200 MA 07 18

PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY COMPETITION EXCLUSION - MASSACHUSETTS

The following amendments change the policy. Please read your entire policy for full details about your coverages. I. Definitions prepared for a race, or a specified show display area; Under the Definitions provision, Tthe following definition is added: 2. (ii)Being trailered from one location to another; Paddock means the area at the race course where racing vehicles are parked. It does 3. (iii)Used by you to attend a racing not include any pit area, or the track/course event as a spectator; or its entrance or exit lanes. 4. (iv)Being operated for purposes of II. Part 1. Bodily Injury To Others, Part display in any pre- or post-race 2. Personal Injury Protection, Part 3. Bodily parade laps; or Injury Caused By An Uninsured Auto, Part 4. 5. (v)Involved in an organized event on Damage To Someone Else’s Property, Part 5. open, public roads while operated Optional Bodily Injury To Others, Part 6. within legal speed. Medical Payments and Part 12. Bodily Injury Caused By An Underinsured Auto c. Using your covered auto to prepare, practice or qualify for, or participate in, Under the Exclusions provision, Tthe following any of the following activities, regardless exclusion is added: of where they take place: We will not pay for loss caused by or 1. Forced hydraulic bouncing resulting from anyone: competitions or exhibitions; a. Involved in any prearranged, organized, Pulling against another vehicle, or or spontaneous race or involved in: 2. pulling of a weighted object 1. Preparation for a race of this type, competitions or exhibitions, but not but only while in the paddock orany including trailer pulling; pit area, on the track or racecourse 3. Stereo thumping competitions or or its entrance or exit lanes; or exhibitions; or 2. Practicing or qualifying for a race of Any other similar competitive or this type. 4. exhibition activity that a reasonable A race includes any contest for speed or person could foresee may cause endurance, whether against another injury or damage. competitor or against a time measuring However, Sectionparagraph c. of this device. exclusion does not apply while your b. Using your covered auto at a: covered auto is: 1. Racing facility; or 1. (i)On display iIn a facility or a specified show display area and is 2. Facility or roadway temporarily not involved in any competitive or designated for speed, time, racing, exhibition activity described in this or performance driving events. This Sectionparagraph; includes, but is not limited to, the use of your covered auto at a 2. (ii)Being trailered from one location performance or racing driving to another; or school, a rally in excess of the legal 3. (iii)Used by you to attend an event speed limit, or a closed road rally. as a spectator. However, Sectionsparagraphs a.1. and b. of III. Part 7. Collision, Part 8. Limited Collision, this exclusion do not apply while your Part 9. Comprehensive, and Limited covered auto is: Trailer and Paddock Collision Coverage 1. (i)On display iIn a race facility’s Endorsement – Massachusetts (AC 03 14 paddock area and not being MA)

AC 14 49 06 17200 MA 07 18 Page 1 of 2 AC 14 49 06 17200 MA 07 18

Under the Exclusions provision, Tthe following c. Used to prepare, practice or qualify for, exclusion is added: or participate in, any of the following activities, regardless of where they take We will not pay for loss caused by or place: resulting from your covered auto while: 1. Forced hydraulic bouncing a. Involved in any prearranged, organized, competitions or exhibitions; or spontaneous race or involved in: 2. Pulling against another vehicle, or 1. Preparation for a race of this type, pulling of a weighted object but only while in the paddock orany competitions or exhibitions, but not pit area, on the track or racecourse including trailer pulling; or its entrance or exit lanes; or 3. Stereo thumping competitions or 2. Practicing or qualifying for a race of exhibitions; or this type. 4. Any other similar competitive or A race includes any contest for speed or exhibition activity that a reasonable endurance, whether against another person could foresee may cause competitor or against a time measuring injury or damage. device. However, Sectionparagraph c. of this b. Used at a: exclusion does not apply while your 1. Racing facility; or covered auto is: 2. Facility or roadway temporarily 1. (i)On display iIn a facility or a designated for speed, time, racing, specified show display area and is or performance driving events. This not involved in any competitive or includes, but is not limited to, the exhibition activity described in this use of your covered auto at a Section; performance or racing driving 2. (ii)Being trailered from one location school, a rally in excess of the legal to another; or speed limit, or a closed road rally. 3. (iii)Used by you to attend an event However, Sectionsparagraphs a.1. and b. of as a spectator. this exclusion do not apply while your covered auto is: All other policy provisions apply. 1. (i)On display iIn a race facility’s

paddock area and is not being prepared for a race or a specified show display area;

2. (ii)Being trailered from one location

to another;

3. (iii)Used by you to attend a racing event as a spectator; 4. (iv)Being operated for purposes of display in any pre- or post-race parade laps; or 5. (v)Involved in an organized event on open, public roads while operated within legal speed.

AC 14 49 06 17200 MA 07 18 Page 2 of 2 AC 00 44 MA 06 17400 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY VALUE–ADDED ENDORSEMENT - MASSACHUSETTS This additional insurance is provided for no extra premium subject to the provisions of this endorsement and in compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached.

Definitions Under Definitions, 7.B. and 7.B.1. are replaced by the following: 1.7. Your covered auto – means: B. Any newly acquired vehicle or replacement of a vehicle shown in the Coverage Selections Page or Schedule on the date you become the owner during the policy period. Coverage is provided for newly acquired or replacement collectible vehicles of the following types: 1. Antique vehicles and classic vehicles, provided that: 1.a. It is in stock condition and has not been modified from the original manufactured design; 2.b. You ask us to insure it within ninety (90) days after you become the owner; and 3.c. We insure all of your collector vehicles. Under Part 7. Collision, Part 8. Limited Collision and Part 9. Comprehensive, the limit provided on this vehicle will be the least of the following: 1.a. 1.The purchase price; 2.b. 2.The verifiable value; 3.c. 3.The highest limit of coverage available for any one vehicle already insured under the policy; or 4.d. 4.$5,000,000. An endorsement must be issued to fully cover any newly acquired or replacement antique vehicle(s) or classic vehicle(s) you acquire. Under Definitions, Tthe following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: 1.a. 1.Portable carts or cases used to store covered tools; and 2.b. 2.Accessories for covered tools whether attached or not. Personal effects includes items usually carried by tourists and travelers, which you own and use or wear, while temporarily located in the vehicle, except as limited below.personal effects does not include: Personal effects does not include: 1.a. Equipment; spare parts; or automotive tools; 2.b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; 3.c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or 4.d. Tapes, disks or other media used with equipment described immediately above.

Includes copyrighted material from ISO Properties, Inc., with its permission. AC 00 44 MA 06 17400 MA 07 18 Page 1 of 5 AC 00 44 MA 06 17400 MA 07 18 Part 1. Bodily Injury To Others, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others AND Part 6. Medical Payments The following coverage is added: Temporary Excess Worldwide Coverage For Owned And Newly Acquired Collector Vehicles If you purchase a new antique vehicle or classic vehicle, or temporarily relocate your covered auto shown in the Schedule or Coverage Selections Page or Schedule, outside the United States of America, its territories or possessions, or Canada, your coverage under Parts 1. Bodily Injury To Others, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others, and Part 6. Medical Payments will apply to the operation or use of that vehicle by you or any household member provided: 1. The insured vehicle is not in any country, territory or waterway in which The Office of Foreign Assets Control ("OFAC") of the US Department of the Treasury has administered and enforced economic and trade sanctions. 2. An underlying policy of automobile liability insurance is purchased or provided at or above the minimum liability limits required by the country or jurisdiction in which the vehicle is being operated. We will pay only that part of a covered loss that exceeds the limit of liability of that underlying policy; or, absent such underlying policy, the minimum liability limits required by the country or jurisdiction in which the vehicle is being operated or liability limits of $50,000 USD per person/$100,000 USD per accident, whichever is lower. However, under no circumstances will we pay more than the limit of liability shown in the Coverage Selections Page or Schedule of this policy. 3. This coverage extension applies for ninety (90) days from the date of purchase or the day your covered auto arrives in the foreign country or jurisdiction. However, this period may be extended by us in writing. Under the Legal Action Against Us provision, the following is added: Under this Temporary Excess Worldwide Coverage For Owned aAnd Newly Acquired Collector Vehicles provision, any legal action seeking damages must be brought in the United States of America. Warning In Mexico, and other countries, only liability coverage purchased from a local licensed insurance company will meet the auto insurance requirements of that country. Failure to purchase any required insurance policy could result in fines or other penalties.

Part 7. Collision, Part 8. Limited Collision, And Part 9. Comprehensive The second and third paragraphs under Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive, are deleted and replaced by the following: In case of a total loss or constructive total loss, we will pay the gGuaranteed vValue® limit shown under this Part in the Coverage Selections Page or Schedule for each scheduled vehicle, which is agreed to be the gGuaranteed vValue® of your covered auto. This limit of liability shown for each vehicle is increased by two percent at the end of each three month period after the policy effective date. Upon expiration of the policy period, the limit reverts back to the gGuaranteed vValue® limit shown in the Coverage Selections Page or Schedule. This amount is used to process your renewal unless you request a change in the amount of insurance to which we must also agree. We will not pay for any decrease in value claimed to result from the loss. For all other loss or damage to your covered auto, we will pay the amount necessary to repair the property or replace it with similar kind and quality, whichever is less, without regard to depreciation or

Includes copyrighted material from ISO Properties, Inc., with its permission. AC 00 44 MA 06 17400 MA 07 18 Page 2 of 5 AC 00 44 MA 06 17400 MA 07 18 betterment, but we will not pay more than the gGuaranteed vValue® per vehicle shown under this Part in the Coverage Selections Page or Schedule. The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: 1.A. a.Comprehensive, only if the Coverage Selections Page or Schedule indicates that Comprehensive Coverage is provided for your covered auto. 2.B. b.Collision, only if the Coverage Selections Page or Schedule indicates that Collision or Limited Collision Coverage is provided for your covered auto. ► Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. a.The loss to your covered auto occurs more than fifty (50) miles from its customary garaging; and 2. b.Your covered auto is withdrawn from use for at least twenty-four (24) hours. Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: 1.a. 1.Resume travel under a prearranged itinerary; or 2.b. 2.Return home. 3.2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. ► Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. ► Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto.

Includes copyrighted material from ISO Properties, Inc., with its permission. AC 00 44 MA 06 17400 MA 07 18 Page 3 of 5 AC 00 44 MA 06 17400 MA 07 18 ► Spare Parts Under General Provisions And Exclusions, 20. is replaced by: 20. Spare Parts Under Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive we will pay up to $1,500, or the amount shown in the Coverage Selections Page or Schedule, for spare parts. ► Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. ► Vehicle VIN Theft And Fraudulent Title Coverage We will pay, without a deductible, for expenses reasonably and necessarily incurred by you to establish ownership as a result of the fraudulent and unlawful use of the Vehicle Identification Number (VIN) by others. We will also pay for the loss of the vehicle if the title of your covered auto is shown to be fraudulent, you did not know it was fraudulent, and the vehicle is confiscated by a public authority. This includes reasonable attorney fees with prior notice and approval by us. Limit Of Liability Our limit of liability during any one policy period shall be the least of: 1. A.The cost to establish ownership and clear the title; 2. B.The gGuaranteed vValue®; or 3. C.$50,000. Part 2. of Limited Vehicle Fraud Coverage provided in the Enthusiasts Essentials Endorsement - Massachusetts, AC 01 90 MA, is deleted. The following coverage isprovisions are added: ► Coverage For Accidental Deployment Of An Airbag In addition, we will pay, without application of a deductible, up to $1,500 for the cost to repair or replace an airbag passive restraint system that accidentally deploys when not caused by a collision or comprehensive loss. ► Vehicle Lock Coverage In addition, we will pay, without application of a deductible, up to $1,500 for a loss to keys for your covered auto which includes: 1. A.The cost to duplicate or replace lost or stolen keys; 2. B.The labor costs to retrieve keys accidentally locked in the vehicle; or 3. C.The cost to re-key the vehicle locks when the keys are lost, stolen, or the vehicle is stolen and then recovered.

Includes copyrighted material from ISO Properties, Inc., with its permission. AC 00 44 MA 06 17400 MA 07 18 Page 4 of 5 AC 00 44 MA 06 17400 MA 07 18 Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident.

General Provisions And Exclusions 3. Additional Costs We Will Pay Paragraph C. is replaced by the following: C. Up to $1,000 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. All other policy provisions of the policy apply.

Includes copyrighted material from ISO Properties, Inc., with its permission. AC 00 44 MA 06 17400 MA 07 18 Page 5 of 5 AC 00 51 MA 06 17113 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY TRAVELING COLLECTOR ENDORSEMENT – MASSACHUSETTS This additional insurance is provided subject to the provisions of this endorsement and in return for the premium and compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached.

Under Definitions, Tthe following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools whether attached or not. Personal effects includes items usually carried by tourists and travelers, which you own and use or wear, while temporarily located in the vehicle, except as limited below. Ppersonal effects does not include: a. Equipment; spare parts; or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above.

Part 7. Collision, Part 8. Limited Collision And Part 9. Comprehensive The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: A. 1.Comprehensive, only if the Coverage Selections Page or Schedule indicates that Part 9. cComprehensive coverage is provided for your covered auto. B. 2.Collision, only if the Coverage Selections Page or Schedule indicates that Part 7. Collision Ccoverage or Part 8. Limited Collision Ccoverage is provided for your covered auto. A.Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. a.The loss to your covered auto occurs more than fifty (50) miles from its customary garaging; and 2. b.Your covered auto is withdrawn from use for at least twenty-four (24) hours.

Includes copyrighted material from ISO Properties, Inc., with its permission AC 00 51 MA 06 17113 MA 07 18 Page 1 of 2 AC 00 51 MA 06 17113 MA 07 18 Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. B.Automotive Tools Coverage We will pay up to $750 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. C.Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. D.Spare Parts The limit shown in the Coverage Selections Page or Schedule for spare parts is increased by $750.

Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. The following provision is added: Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. All other provisions of the policy apply.

Includes copyrighted material from ISO Properties, Inc., with its permission AC 00 51 MA 06 17113 MA 07 18 Page 2 of 2 AC 02 10 09 11AC 201 MA 07 18

THIS ENDORSEMENT CHANGED THE POLICY. PLEASE READ CAREFULLY. PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY

NAMED DRIVER EXCLUSION ENDORSEMENT - MASSACHUSETTS I am aware that under the terms of my Automobile Insurance Policy, if I, or someone on my behalf, provide false, deceptive, misleading or incomplete information in any application or policy change request, and if such false, deceptive, misleading or incomplete information increases the company’s risk of loss, the company may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. Payments under Part 3. Bodily Injury Caused by an Uninsured Auto and Part 4. Damage to Someone Else’s Property, may also be limited to the amounts that the company is required to sell. In addition, I am aware Massachusetts law requires that the company withhold payment of a Collision or Limited Collision loss if the insured auto is being operated by a household member who is not listed as an operator on my policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on my policy because the household member would be classified as an inexperienced operator or would require payment of additional premium on my policy.

It is agreed that the person named below as an Excluded Operator will not operate the vehicle(s) described in the Coverage Selections Page, or any replacement thereof, or additional vehicles acquired, under any circumstances whatsoever. The policyholder and the Excluded Operator understand and agree that the insurance company will not pay under the optional insurance parts of the policy for any injury or damage arising out of the operation or use of the described vehicle(s) by the Excluded Operator(s). This restriction applies even if the insured’s permission was given to the driver. Excluded Operator

Date Policyholder’s Signature

Date Excluded Operator's Signature

Name of Excluded Operator(s)

Signature of Named Insured Date

Signature of Excluded Operator Date

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Signature of Excluded Operator Date

All other policy provisions apply.

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2. ELIGIBILITY A. Coverage may be afforded to vehicles defined in Rule 1. if: 1. tThey are written with physical damage coverage with our company, and 2. tThey are owned by an individual, or by spouses who reside in the same household. B. The following conditions or limitations apply: 1. The insured must have other means of daily transportation which is not insured in our Classic Automobile program. 2. Vehicles must be used primarily for auto club activities, exhibits, parades, or a private collection. 3. Vehicles may be used occasionally for other purposes such as weekend or so-called “Sunday- driving”. Occasional use does not mean regular usage such as daily driving to and from work or school; or every day shopping; or any commercial use, except as provided under company guidelines. 4. Auto club activities, exhibit and functions do not include: racing, rallies or any other type of speed or timed event. 5. All operators of the insured automobiles must be listed on the Coverage Selections Page of the Policy. An operator is a person who has an operator’s license, but does not include a person who has only a learner’s permit. C. Pre-Insurance Inspection Program General Laws Chapter 90, section 113S, and associated regulations, 211 CMR 94.00, require the pre-insurance inspection of certain private passenger motor vehicles. The following is a summary of the regulation: Unless waived, all private passenger motor vehicles and pick-ups or vans having a gross vehicle weight under 10,001 pounds are required to be inspected by an insurer prior to the issuance of physical damage coverages by the insurer. All Pre-Insurance Inspections not otherwise exempt or subject to waiver under 211. CMR 94.00 are waived for the Essentia Antique and Classic Car Program. However, the Program’s guidelines with respect to photo requirements continue to apply.

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b. For each vehicle, multiply any applicable model year and vehicle modification factor found in the state rate pages. This is the vehicle’s class factor, for purposes of this section. (1) For single vehicle policies, or policies with 2 or 3 vehicles of the same class, find the applicable coverage base premium and multiply it by the applicable class factor. (2) For policies with 2 or 3 vehicles of different classes, find the applicable coverage base premium. Calculate the average of the class factors and multiply by the coverage base premium. (3) For policies with more than 3 vehicles, find the applicable coverage base premium. Average the class factors for the three vehicles with the highest factors. Multiply the coverage premium by this averaged class factor. c. Reserved for Future Use. d.c. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. e.d. Multiply the above by any applicable coverage level discount, surcharge or any other factor. f.e. Multiply the above by any applicable policy level discount, surcharge or any other factor and round. 2. Physical Damage Rating a. See State Rate Pages for applicable coverage base rate per $100 for the vehicle. b. Multiply by any applicable vehicle symbol factor. c. Multiply by any applicable vehicle value band factor. b.d. Multiply by vehicle type factor. c.e. Multiply by number of vehicles factor. d.f. Multiply by model year/modified group factor. e.g. Multiply by Cherished Salvage® factor in the rate pages (if applicable). f.h. Multiply by the waiver of subrogation factor in the rate pages (if applicable). g.i. Select deductible option and multiply by deductible factor. h.j. Multiply by applicable garaging factor. i.k. Multiply by applicable years licensed adjustment factor. j.l. Multiply by the vehicle’s insured value/100. k. Reserved for Future Use. l.m. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. m.n. Multiply the above by any applicable coverage level discount, surcharge or any other factor. n.o. Multiply the above by any applicable policy level discount, surcharge or any other factor and round.

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3. PREMIUM DETERMINATION (cont’d) 3. Other Add any optional policy or vehicle endorsements. 4. Reserved for Future Use.Paid-in-Full Discount If this discount is applicable, multiply the policy premium by the Paid-in-Full Discount Factor and round. 5. Applicable State Assessments None. B. Refer to Rule 5. for Minimum Premium rules.

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Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d) 2. Prior Specialty Carrier – New Policy Discount A discount of $20 is available for the first policy term (new business only) for any applicant continuously insured for at least one year with a specialty collector vehicle carrier immediately prior to applying for coverage with us. 3. Individual Risk Premium Modification Plan (IRPM) a. In order for a risk to qualify for application of IRPM credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) any number of vehicles with a total minimum value of $500,000. b. The IRPM rating plan credit shall only be applied to the Comprehensive and Collision premiums. The total maximum credit allowed under this plan is 25%. c. Credits are available for the following risk variations: Security, Type of Storage Structure, and Dispersion of Risk. (1) Security (1% - 10% Maximum Credit Allowed) Refer to Rate Pages for discount amounts.  CENTRAL STATION FIRE & BURGLAR ALARM - A credit is available if there is a central station or direct reporting fire and burglar alarm at the garage where the insured vehicles are kept.  LOCAL FIRE PROTECTION & BURGLAR ALARMS - A credit is available if there is a fire extinguisher, and local fire and burglar alarms at the garage where the insured vehicles are kept.  AUTOMATIC SPRINKLERS - A credit is available if an automatic sprinkler system is installed in the garage where the insured vehicles are kept.  WATCHDOG OR WATCHMAN ON PREMISES - A credit is available if a watchdog or watchman is available on the premises 24 hours a day.  PADLOCK OR DEADBOLT - A credit is available if padlocks or deadbolts are present at the garage where the insured vehicles are kept.

(2) Type of Storage Structure (1 - 10% Maximum Credit Allowed) Refer to Rate Pages for discount amounts. A credit is available for the following types of storage.  FIRE RESISTIVE - Buildings constructed of any combination of the following materials: Exterior Walls or Exterior Structural Frame - Solid masonry, including reinforced concrete - Hollow masonry less than 12" thick - Hollow masonry less than 12", but not less than 8" thick, with a fire resistance rating of not less than 2 hours. Floors and Roof - Monolithic floors and roof of reinforced concrete with slabs that are at least 4" thick. - "Joist Systems" with slabs supported by concrete joists spaced no more than 36" on centers with a slab thickness of not less than 2 3/4". - Floor and roof assemblies with a fire resistance rating of not less than 2 hours. Structural Metal Supports - Horizontal and vertical load-bearing protected metal supports with a fire resistance rating of not less than 2 hours.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d)

 MODIFIED FIRE RESISTIVE - Buildings with exterior walls, floors and roof constructed of masonry materials that are listed as fire resistive materials, but deficient in thickness; or fire resistive materials that are listed as fire resistive, but with a fire resistance rating of less than 2 hours, but not less than 1 hour.  MASONRY NON-COMBUSTIBLE - Buildings with exterior walls of fire resistive construction, or of masonry, and with non-combustible or slow burning floors and roof.  NON-COMBUSTIBLE - Buildings with exterior walls, floors, and roof of non- combustible or slow burning material supported by non-combustible or slow burning supports.  JOISTED MASONRY - Buildings with exterior walls of fire resistive construction of masonry, and with combustible floors and roof.  FRAME - Buildings with exterior walls, floors and roof of combustible construction or buildings with exterior walls of non-combustible or slow burning construction, with combustible floors and roof.

4. Experience Rating Plan a. In order for a risk to qualify for application of experience rating plan credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) aAny number of vehicles with a total minimum value of $500,000. b. The experience rating plan credit shall only be applied to the Comprehensive and Collision premium. 5. RESERVED FOR FUTURE USEPaid-In-Full Discount A discount of 7% applies to the policy term when the full policy premium is paid: a. At policy inception for new business; or b. By the renewal effective date. However, an insured on a payment plan that pays in full within 90 days of the inception or renewal will also receive the Paid-In-Full Discount. Factor: 0.93 6. Portfolio Transfer Discount A discount will be applied for policies originally written under a non-Essentia insurance company which are converted to the Essentia Classic Automobile program as part of a portfolio transfer. This discount is intended to mitigate the disruption that may be caused as a result of an agent’s transition of qualifying business to the Essentia program, and is provided for the first two policy terms. a. A 10% discount shall be afforded for the first annual term. b. A 5% discount shall be afforded for the second annual term.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

6. POLICY PERIOD, PAYMENT PLANS AND FEES A. A policy may only be written for a period of one year. B. RESERVED FOR FUTURE USEPayment Plans 1. The premium threshold to qualify for a payment plan, other than the Full Payment Plan, is $300. 2. Payment Plans The following payment plans are available: a. Full Payment 1) New Business - 100% of policy premium is due at policy inception. 2) Renewal – 100% of policy renewal premium is due 15 days before the renewal effective date. b. Semi-Annual 1) First payment of 50% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 50% of the policy premium is due 5 months after policy effective date. c. Quarterly 1) First payment of 25% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 25% of the policy premium is due two months after the first payment’s due date. 3) Third and fourth payments of 25% of the policy premium are due three months after each previous installment’s due date. d. Monthly 1) New Business a) First payment of 16.67% of policy premium is due at policy inception. b) Ten installments of 8.33% of the policy premium are due at monthly intervals, beginning one month after the policy effective date. 2) Renewal – A monthly payment of 8.33% of the policy premium is due for 12 consecutive months, with the first month’s payment due 30 days before the renewal effective.

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COVERAGES AND LIMITS (cont’d) 11.2. Optional Insurance Coverages* A. Part 5 - Optional Bodily Injury To Others The basic limits are $20,000 each person and $40,000 each accident. Increased limits are available. B. Part 6 - Medical Payments The basic limit is $5,000 each person, with a limit of $10,000 per person available for automobiles. The basic limit for Motorcycles is $500 each person. A limit of $5000 each person for Motorcycles is also available. This coverage is excess over Personal Injury Protection. C. Part 7 – Collision This coverage is subject to a basic deductible of $500. Optional deductibles are available subject to underwriting requirements established by the insurer, as permitted by law. Limited waiver of deductible is included in the base policy. This coverage is written on an agreed amount basis. D. Part 8 - Limited Collision This coverage is subject to a basic deductible of $500. Other deductibles or full coverage are available at the option of the insured. This coverage is written on a guaranteed value basis. E. Part 9 – Comprehensive This coverage is required for the Antique and Classic Program, subject to a basic deductible of $500. Optional deductibles lower or higher are available subject to underwriting requirements established by the insurer, as permitted by law. Higher deductibles are available at the option of the insured. A separate $100 glass deductible is also available at the option of the insured. This glass deductible is in addition to the otherwise applicable deductible for Part 9. This coverage is written on an agreed amount basis. F. Part 10 - Substitute Transportation This coverage is available under the Traveling Collector Endorsement AC 02 12- Massachusetts AC 113 MA. G. Part 11 - Towing and Labor This coverage is not available under this program. H. Part 12 - Bodily Injury Caused By an Underinsured Auto The basic limits are $20,000 each person and $40,000 each accident. Increased limits are available. The limits may not exceed the limits of Part 5. This coverage is excess over Personal Injury Protection.

* Comprehensive Coverage is a required coverage under the Antique and Classic Auto Program.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 11/1407/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.3. Increased Limits – Spare Parts A. The policy includes a basic limit of $750 for Spare Parts. This limit may be increased. B. When our company insures a collection of: 1. 6 or more vehicles with a total minimum value of $250,000; or 2. aAny number of vehicles with a total minimum value of $500,000, the Value-Added Endorsement – Massachusetts, AC 00 44400 MA, is attached to these policies and includes a basic limit for Spare Parts is $1,500. This limit may be increased. A subsequent change in the collection value will not require a reduction in this basic spare parts limit. Refer to Rates for additional charge per $100.

CAM Ed. Date 06/1707/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.6. Custom Features Coverage for loss or damage to custom features may be limited to $10,000. The limit for custom features is a part of the total agreed value of the vehicle; it is not an additional limit. If purchased, the per vehicle custom features total limit and premium must be indicated in the DeclarationsCoverage Selections Page. See Rates for applicable premium charge. Attach endorsement AC 00 16 MA, Custom Features Limitation Endorsement - Massachusetts.

CAM 2nd Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: March 2016July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.13. Named Driver Exclusion Excludes coverage while driven by the driver named on the endorsement. This endorsement will be used to write a risk that would otherwise be declined due to an operator in the household. A. The named driver exclusion endorsement: 1. Shall be signed by the named insured and the named excluded driver; 2. Shall remain in effect: a. For the term of the policy; and b. For each renewal, reinstatement, substitute, modified, replacement or amended policy; unless discontinued by the insurercompany. B. If a named driver exclusion endorsement is attached to the policy: 1. The premiums charged for the policy shall not reflect the claim experience or driving record of the named excluded driver. 2. The named excluded driver shall not be listed as an operator of any auto covered under the policy. C. If a loss payee is shown in the policy, the loss payee may be sent a notice indicating that the policy contains a named driver exclusion. Attach endorsement AC 02 10201 MA, Named Driver Exclusion Endorsement - Massachusetts.

CAM Ed. Date 03/1607/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.16. Traveling Collector Coverage may be added under this endorsement for: A. Direct and accidental loss to: 1. Automotive Tools used for any covered auto up to $750, subject to a deductible of $25. 2. Personal Effects up to $250, subject to a deductible of $25. Personal Effects includes items usually carried by tourists and travelers, which the named insured owns and uses or wears, while temporarily located in the vehicle, except as limited in the endorsement. 3. Spare Parts. The limit shown in the Declarations for spare parts is increased by $750. B. Loss of Use and Trip Interruption Expenses Up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred for substitute transportation, lodging and meals in the event of direct and accidental loss to the covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which the insured becomes legally responsible, for damage or loss of use to a temporary replacement auto; 3. Unrecoverable, pre-paid expenses for the insured’s attendance at collector vehicle events. No deductible applies to this coverage. This endorsement is available to provide additional coverage for Automotive Tools, Personal Effects, Spare Parts, Vehicle Valuable Papers, and Loss of Use and Trip Interruption Expenses. This endorsement is not available if the Legendary Ride™ or Value-Added endorsements are attached to the policy. See rate pages for the applicable premium per policy. Attach endorsement AC 00 51113 MA, Traveling Collector Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.17. Vehicle Under Construction This endorsement is available for vehicles under active restoration or new builds. Physical damage coverage is enhanced by adding: A. A mid-term increase to the vehicle’s agreed valueGuaranteed Value® of 10% per quarter, subject to a maximum of $25,000 during the policy term. 1. Upon expiration of the policy period, the limit reverts back to the agreed valueGuaranteed Value® shown in the Declarations. 2. This amount is used to process the renewal unless a change in the amount of insurance is requested, to which we must also agree. B. Coverage for direct and accidental loss of, or damage to, Automotive Tools used for any covered auto of $750, subject to a deductible of $25. “Automotive Tools”, includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: 1. Portable carts or cases used to store covered tools; and 2. Accessories for covered tools whether attached or not. See rate pages for the applicable premium per vehicle. Attach endorsement AC 00 50 MA, Vehicle Under Construction Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.18. Value-Added For no additional premium, the provisions of the Antique and Classic Automobile Insurance Policy are broadened by this endorsement. This endorsement applies when our company insures a collection of: A. 6 or more vehicles with a total minimum value of $250,000; or B. aAny number of vehicles with a total minimum value of $500,000. A subsequent change in the collection value will not require removal of this endorsement. Attach endorsement AC 00 44400 MA, Value-Added Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM 2nd Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

CAM 2nd Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

CAM 2nd Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d) 2. Prior Specialty Carrier – New Policy Discount A discount of $20 is available for the first policy term (new business only) for any applicant continuously insured for at least one year with a specialty collector vehicle carrier immediately prior to applying for coverage with us. 3. Individual Risk Premium Modification Plan (IRPM) a. In order for a risk to qualify for application of IRPM credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) any number of vehicles with a total minimum value of $500,000. b. The IRPM rating plan credit shall only be applied to the Comprehensive and Collision premiums. The total maximum credit allowed under this plan is 25%. c. Credits are available for the following risk variations: Security, Type of Storage Structure, and Dispersion of Risk. (1) Security (1% - 10% Maximum Credit Allowed) Refer to Rate Pages for discount amounts.  CENTRAL STATION FIRE & BURGLAR ALARM - A credit is available if there is a central station or direct reporting fire and burglar alarm at the garage where the insured vehicles are kept.  LOCAL FIRE PROTECTION & BURGLAR ALARMS - A credit is available if there is a fire extinguisher, and local fire and burglar alarms at the garage where the insured vehicles are kept.  AUTOMATIC SPRINKLERS - A credit is available if an automatic sprinkler system is installed in the garage where the insured vehicles are kept.  WATCHDOG OR WATCHMAN ON PREMISES - A credit is available if a watchdog or watchman is available on the premises 24 hours a day.  PADLOCK OR DEADBOLT - A credit is available if padlocks or deadbolts are present at the garage where the insured vehicles are kept.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d)

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

* Comprehensive Coverage is a required coverage under the Antique and Classic Auto Program.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM 2nd Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.16. Traveling Collector This endorsement is available to provide additional coverage for Automotive Tools, Personal Effects, Spare Parts, Vehicle Valuable Papers, and Loss of Use and Trip Interruption Expenses. This endorsement is not available if the Legendary Ride™ or Value-Added endorsements are attached to the policy. See rate pages for the applicable premium per policy. Attach endorsement AC 113 MA, Traveling Collector Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

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OPTIONAL LIMITS AND ENDORSEMENTS

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OPTIONAL LIMITS AND ENDORSEMENTS

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CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

CAM 2nd Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES 2nd Edition Date: July 2018 MASSACHUSETTS (20)

CAM 2nd Ed. Date 07/18 ESSENTIA INSURANCE COMPANY MASSACHUSETTS CLASSIC AUTOMOBILE PROGRAM EXPLANATORY RULES, RATES AND FORMS MEMORANDUM New or Revised Replaced or Withdrawn Title and Description of Change

All documents may contain various format and editorial changes not affecting content or intent which are not enumerated in this Explanatory Memorandum. RULES Rule 2 Rule 2 Ed. 11/14 2. ELIGIBILITY Ed. 07/18 SERFF #ESSN-129636625 B.3. has been modified to provide an exception. STATE #14JUL30-625 Effective: 11/1/2014 Approved: 9/23/2014

Rule 3 Rule 3 Ed. 07/17 3. PREMIUM DETERMINATION Ed. 07/18 SERFF #ESSN-131004966  A.2.b. is inserted for future use; c. and d. are inserted for STATE #none application of new factors (c. vehicle symbol factor; d. Effective: 3/1/2018 Approved: 1/31/2018 vehicle value band factor) and subsequent steps are re- labeled.  A.4. inserts the Paid-in-Full Discount, replacing RESERVED FOR FUTURE USE.

Rule 4 Rule 4 Ed. 07/17 4. PREMIUM DISCOUNTS Ed. 07/18 SERFF #ESSN-131004966 A.5. Paid-in-Full Discount is introduced, replacing RESERVED STATE #none FOR FUTURE USE. Effective: 3/1/2018 Approved: 1/31/2018

Rule 6 Rule 6 Ed. 07/17 6. POLICY PERIOD, PAYMENT PLANS AND FEES (previously Ed. 07/18 SERFF #ESSN-131004966 POLICY PERIOD AND FEES) STATE #none  B. Payment Plans are introduced, replacing RESERVED FOR Effective: 3/1/2018 Approved: 1/31/2018 FUTURE USE.  C. Fees, 4. adds an Installment Fee.

Rule 11.2 Rule 11.2 Ed. 11/14 11.2. Optional Insurance Coverages Ed. 07/18 SERFF #ESSN-129636625 F. updates the endorsement form number. STATE #14JUL30-625 Effective: 11/1/2014 Approved: 9/23/2014

Rule 12.3 Rule 12.3 Ed. 07/17 12.3. Increased Limits – Spare Parts Ed. 07/18 SERFF #ESSN-131004966 B. revises the endorsement form number. STATE #none Effective: 3/1/2018 Approved: 1/31/2018

Rule 12.6 Rule 12.6 Ed. 07/17 12.6. Custom Features Ed. 07/18 SERFF #ESSN-131004966 Revises reference to ‘Declarations’ to ‘Coverage Selections STATE #none Page’ and the endorsement form number. Effective: 3/1/2018 Approved: 1/31/2018

Rule 12.13 Rule 12.13 Ed. 03/16 12.13. Named Driver Exclusion Ed. 07/18 SERFF #ESSN-130402354  A.2.b. changes ‘insurer’ to ‘company’. STATE #16JAN28-354  Revises endorsement form number. Effective: 5/17/2016 Approved: 4/26/2016

Rule 12.14 Rule 12.14 Ed. 07/17 12.14. Collector Motorcycle Ed. 07/18 SERFF #ESSN-131004966  Bolds the policy part title. STATE #none  Revises the endorsement form number. Effective: 3/1/2018 Approved: 1/31/2018

3/7/2018 Page 1 of 7 ESSENTIA INSURANCE COMPANY MASSACHUSETTS CLASSIC AUTOMOBILE PROGRAM EXPLANATORY RULES, RATES AND FORMS MEMORANDUM New or Revised Replaced or Withdrawn Title and Description of Change

Rule 12.16 Rule 12.16 Ed. 07/17 12.16. Traveling Collector Ed. 07/18 SERFF #ESSN-131004966  This rule has been revised to not include the specific STATE #none coverage information contained in the endorsement. Effective: 3/1/2018 Approved: 1/31/2018  Revises the endorsement form number.

Rule 12.17 Rule 12.17 Ed. 07/17 12.17. Vehicle Under Construction Ed. 07/18 SERFF #ESSN-131004966 References to ‘agreed value’ are changed to ‘Guaranteed STATE #none Value®’. Effective: 3/1/2018 Approved: 1/31/2018

Rule 12.18 Rule 12.18 Ed. 07/17 12.18. Value-Added Ed. 07/18 SERFF #ESSN-131004966 Revises the endorsement form number. STATE #none Effective: 3/1/2018 Approved: 1/31/2018

Rule 12.23 12.23. Legendary Ride™ Ed. 07/18 Introduced as an optional coverage to provide some increased and new coverage for Spare Parts, Automotive Tools, Personal Effects, Vehicle Valuable Papers, Branded Merchandise, Loss of Use and Trip Interruption.

Rule 12.24 12.24. Motorsports Advantage™ Ed. 07/18 Introduced as an optional coverage to provide some increased and new coverage for Spare Parts, Automotive Tools, Personal Effects, Vehicle Valuable Papers, Safety Equipment, Debris Removal, Loss of Use and Trip Interruption.

Rule 14 Rule 14 Ed. 07/17 14. COMPETITION EXCLUSION Ed. 07/18 SERFF #ESSN-131004966 Revises the endorsement form number. STATE #none Effective: 3/1/2018 Approved: 1/31/2018

LIABILITY RATE PAGES RATES-1 thru 3 RATES-1 2nd Ed. 07/17 1. Base Liability Rates –adjusted as explained in the Actuarial Ed. 07/18 RATES-2 and 3 Ed. 07/17 Memorandum. SERFF #ESSN-131004966 2. Motorcycle Passenger Liability – adjusted as explained in the STATE #none Actuarial Memorandum. Effective: 3/1/2018 Approved: 1/31/2018 3. Model Year Factors – adjusted as explained in the Actuarial Memorandum. 4. Vehicle Modification Factors 5. Operator Age Factors – adjusted as explained in the Actuarial Memorandum. 6. Less than 1 Regular Use Vehicle Per Household Driver Factor 7. Annual Mileage Factors – adjusted as explained in the Actuarial Memorandum. 8. Inexperienced Operator Factors (other than the Named Insured) 9. Business Use Factor is restored. This was removed from Rule 12.11 in filing #ESSN-129636625 (state #14JUL30-625) with the intention of relocating to the rate pages and but was omitted in error. The factor has not changed nor was programming of it. 3/7/2018 Page 2 of 7 ESSENTIA INSURANCE COMPANY MASSACHUSETTS CLASSIC AUTOMOBILE PROGRAM EXPLANATORY RULES, RATES AND FORMS MEMORANDUM New or Revised Replaced or Withdrawn Title and Description of Change

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PHYSICAL DAMAGE RATE PAGES RATES-1.1 thru 1.5 RATES-1.1 thru 1.3 1. Loss or Damage to Your Covered Auto Ed. 07/18 Ed. 07/17 A. Other Than Collision SERFF #ESSN-131004966 i. Annual Base Rate per $100 Guaranteed Value® – STATE #none adjusted as explained in the Actuarial Memorandum. Effective: 3/1/2018 Approved: 1/31/2018 ii. Vehicle Type Factors. iii. Model Year/Modified Group Factors – adjusted as explained in the Actuarial Memorandum. iv. Number of Vehicle Factors. v. Vehicle Symbol Factors introduced. vi. Value Factors introduced. B. Collision i. Annual Base Rate per $100 Guaranteed Value® – adjusted as explained in the Actuarial Memorandum. ii. Vehicle Type Factors. iii. Model Year/Modified Group Factors – adjusted as explained in the Actuarial Memorandum. iv. Number of Vehicle Factors. v. Limited Collision Coverage Factors – footnote added that these factors are not applicable to Motorsports, Pro-Street and trailers. vi. Vehicle Symbol Factors introduced. vii. Value Factors introduced. C. Motorsport and Pro-Street Vehicles without Liability – adjusted as explained in the Actuarial Memorandum.

RATES – 2.1 – 2.3 RATES – 2.1 – 2.3 2. Vehicle Deductible Factors – unchanged. Ed. Date 07/18 Ed. 07/17 A. Deductible Group 1 SERFF #ESSN-131004966 B. Deductible Group 2 STATE #none C. Deductible Group 3 Effective: 3/1/2018 Approved: 1/31/2018 D. Deductible Group 4

RATES - 3.1 RATES - 3.1 Ed. 07/17 3. Other Factors Ed. 07/18 SERFF #ESSN-131004966 A. Storage Garaging Factors – unchanged. STATE #none B. Years Licensed Rate Adjustment Factor (Named Insured Effective: 3/1/2018 Approved: 1/31/2018 Only) – adjusted as explained in the Actuarial Memorandum. C. High Horsepower Rate Factor – unchanged. D. Less than 1 Regular Use Vehicle Per Household Driver Factor – unchanged.

RATES - 3.2 RATES - 3.1 Ed. 07/17 E. Annual Mileage Factors – adjusted as explained in the Ed. 07/18 SERFF #ESSN-131004966 Actuarial Memorandum. STATE #none F. Inexperienced Operator Factors (other than the Named Effective: 3/1/2018 Approved: 1/31/2018 Insured) – unchanged.

RATES – 5.1 RATES – 5.1 Ed. 07/17 20. Legendary Ride™ is introduced. Ed. 07/18 SERFF #ESSN-131004966 21. Motorsports Advantage™ is introduced. STATE #none Effective: 3/1/2018 Approved: 1/31/2018

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RATES-6.1 thru 6.6 RATES – 5.2 thru 5.7 COLLECTIBLE PERSONAL PROPERTY RATES (formerly 17.) now a Ed. 07/18 Ed. 08/12 new section is reformatted with no change to any rates or SERFF #BEAC-128165179 factors. STATE #12MAR13-179 Effective: 8/1/2012 Approved: 7/31/2012

SYMBOL PAGES SYM-1 thru 20 VEHICLE SYMBOLS introduced. Ed. Date 11/16

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FORMS AC 200 MA 07 18 AC 14 49 06 17 COMPETITION EXCLUSION - MASSCHUSETTS contains various Readability = 50.9 with SERFF #ESSN-131004966 format and editorial changes not affecting content or intent in Antique & Classic STATE #none addition to the following: Automobile Policy Effective: 3/1/2018 Approved: 1/31/2018  Adds the introductory statement to read the endorsement carefully;  Amends EXCLUSIONS added to Part 1., Part 2., Part 3., Part 4., Part 5., Part 6. And Part 12. as well as Part 7., Part 8., Part 9. and AC 03 14 MA to exclude coverage ‘in any pit area, on the track or racecourse or its entrance or exit lanes’; and  Amends the exception to these added EXCLUSIONS by removing ‘and not being prepared for a race’. The intent is to clarify that we intend to cover race preparation activities (working on or cleaning vehicle, putting on race suits, showcasing vehicle, etc.) but not provide coverage for the race itself in the pit areas, on the track/course, or entering or exiting the track/course.

AC 400 MA 07 18 AC 00 44 MA 06 17 VALUE-ADDED ENDORSEMENT - MASSACHUSETTS contains Readability = 50.1 with SERFF #ESSN-131004966 various format and editorial changes not affecting content or Antique & Classic STATE #none intent in addition to the following: Automobile Policy Effective: 3/1/2018 Approved: 1/31/2018  Revises the definition of ‘Personal Effects’ to remove ‘and use or wear’.  All occurrences of ‘guaranteed value’ are updated to ‘Guaranteed Value®’.  Adds that no one will be entitled to received duplicate payments under the Loss of Use And Trip Interruption Expenses additional coverage and Part 7., Part 8., or Part 9.  PART D, Other Sources of Recovery, clarifies that the most we will pay shall not exceed the actual amount of loss.

AC 113 MA 07 18 AC 00 51 MA 06 17 TRAVELING COLLECTOR ENDORSEMENT - MASSACHUSETTS Readability = 50. with SERFF #ESSN-131004966 contains various format and editorial changes not affecting Antique & Classic STATE #none content or intent in addition to the following: Automobile Policy Effective: 3/1/2018 Approved: 1/31/2018  Revises the definition of ’Personal Effects’ to remove ‘and use or wear’.  Adds that no one will be entitled to received duplicate payments under the Loss of Use And Trip Interruption Expenses additional coverage and Part 7., Part 8., or Part 9.  Adds coverage for Vehicle Valuable Papers.  Other Sources of Recovery, clarifies that the most we will pay shall not exceed the actual amount of loss.

AC 114 MA 07 18 LEGENDARY RIDE™ ENDORSEMENT - MASSACHUSETTS is being Readability = 50.4 with introduced. Optional coverage to provide some increased and Antique & Classic new coverage for Spare Parts, Automotive Tools, Personal Automobile Policy Effects, Vehicle Valuable Papers, Branded Merchandise, Loss of Use and Trip Interruption.

AC 115 MA 07 18 MOTORSPORTS ADVANTAGE™ ENDORSEMENT -

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Readability = 50.5 with MASSACHUSETTS is being introduced. Optional coverage to Antique & Classic provide some increased and new coverage for Spare Parts, Automobile Policy Automotive Tools, Personal Effects, Vehicle Valuable Papers, Safety Equipment, Debris Removal, Loss of Use and Trip Interruption.

AC 201 MA 07 18 AC 02 10 09 11 NAMED DRIVER EXCLUSION ENDORSEMENT – MASSACHUSETTS Readability = 50.5 with SERFF # BEAC-127193857 contains various format and editorial changes not affecting Antique & Classic DOI # 11JUN02-857 content or intent in addition to the following updates in relation Automobile Policy Effective: 2/15/2012 Approved: 1/31/2012 to AIB Notice PP-092:  The policyholder and excluded operator agree that the company will not pay under the optional insurance parts of the Policy for any injury or damage arising out of the operation or use of the described vehicle by the excluded operator, even if the insured gives permission to the driver.  The policyholder and excluded operator understand and agree that the Operator Exclusion Form will continue in effect for all vehicles on the policy, including any additional or replacement vehicles in the future, and to any renewal, replacement, reinstatement, endorsement, continuation or amended policy until both the policyholder and company withdraw the form in writing.

AC 007 MA 07 18 MEDICAL PAYMENTS COORDINATION OF BENEFITS Readability = 50.8 with ENDORSEMENT – MASSACHUSETTS Antique & Classic Introduced to modify Part 6 to comply with DOI regulation 211 Automobile Policy CMR 38.00 Coordination of Benefits (COB).

3/7/2018 Page 7 of 7 AC 400 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY VALUE–ADDED ENDORSEMENT - MASSACHUSETTS This additional insurance is provided for no extra premium subject to the provisions of this endorsement and in compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached. Under Definitions, 7.B. and 7.B.1. are replaced by the following: 7. Your covered auto – means: B. Any newly acquired vehicle or replacement of a vehicle shown in the Coverage Selections Page or Schedule on the date you become the owner during the policy period. Coverage is provided for newly acquired or replacement collectible vehicles of the following types: 1. Antique vehicles and classic vehicles, provided that: a. It is in stock condition and has not been modified from the original manufactured design; b. You ask us to insure it within ninety (90) days after you become the owner; and c. We insure all of your collector vehicles. Under Part 7. Collision, Part 8. Limited Collision and Part 9. Comprehensive, the limit provided on this vehicle will be the least of the following: a. The purchase price; b. The verifiable value; c. The highest limit of coverage available for any one vehicle already insured under the policy; or d. $5,000,000. An endorsement must be issued to fully cover any newly acquired or replacement antique vehicle(s) or classic vehicle(s) you acquire. Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools whether attached or not. Personal effects includes items usually carried by tourists and travelers which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment; spare parts; or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above. Part 1. Bodily Injury To Others, Part 4. Damage To Someone Else’s Property, Part 5. Optional Bodily Injury To Others AND Part 6. Medical Payments The following coverage is added:

AC 400 MA 07 18 Page 2 of 5 AC 400 MA 07 18 B. Collision, only if the Coverage Selections Page or Schedule indicates that Collision or Limited Collision Coverage is provided for your covered auto. Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. The loss to your covered auto occurs more than fifty (50) miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least twenty-four (24) hours. Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Spare Parts Under General Provisions And Exclusions, 20. is replaced by: 20. Spare Parts Under Part 7. Collision, Part 8. Limited Collision, and Part 9. Comprehensive we will pay up to $1,500, or the amount shown in the Coverage Selections Page or Schedule, for spare parts.

AC 400 MA 07 18 Page 3 of 5 AC 400 MA 07 18 Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. Vehicle VIN Theft And Fraudulent Title Coverage We will pay, without a deductible, for expenses reasonably and necessarily incurred by you to establish ownership as a result of the fraudulent and unlawful use of the Vehicle Identification Number (VIN) by others. We will also pay for the loss of the vehicle if the title of your covered auto is shown to be fraudulent, you did not know it was fraudulent, and the vehicle is confiscated by a public authority. This includes reasonable attorney fees with prior notice and approval by us. Limit Of Liability Our limit of liability during any one policy period shall be the least of: 1. The cost to establish ownership and clear the title; 2. The Guaranteed Value®; or 3. $50,000. Part 2. of Limited Vehicle Fraud Coverage provided in the Enthusiast Essentials Endorsement - Massachusetts, AC 01 90 MA, is deleted. The following provisions are added: Coverage For Accidental Deployment Of An Airbag In addition, we will pay, without application of a deductible, up to $1,500 for the cost to repair or replace an airbag passive restraint system that accidentally deploys when not caused by a collision or comprehensive loss. Vehicle Lock Coverage In addition, we will pay, without application of a deductible, up to $1,500 for a loss to keys for your covered auto which includes: 1. The cost to duplicate or replace lost or stolen keys; 2. The labor costs to retrieve keys accidentally locked in the vehicle; or 3. The cost to re-key the vehicle locks when the keys are lost, stolen, or the vehicle is stolen and then recovered. Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident.

AC 400 MA 07 18 Page 4 of 5 AC 400 MA 07 18 All other policy provisions apply.

AC 400 MA 07 18 Page 5 of 5 AC 113 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY TRAVELING COLLECTOR ENDORSEMENT – MASSACHUSETTS This additional insurance is provided subject to the provisions of this endorsement and in return for the premium and compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached.

AC 113 MA 07 18 Page 2 of 2 AC 114 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY LEGENDARY RIDETM ENDORSEMENT - MASSACHUSETTS

This additional insurance is provided subject to the provisions of this endorsement and in return for the premium paid and compliance with all applicable provisions of the Antique and Classic Automobile Insurance Policy to which it is attached. Under Definitions, the following words and phrases are defined only with respect to the coverage provided by this endorsement: Automotive tools includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: a. Portable carts or cases used to store covered tools; and b. Accessories for covered tools, whether attached or not. Branded merchandise includes items featuring the name and/or logo of a collector vehicle’s make or model. Such items may include clothing, accessories or other collectables associated with your covered auto. Personal effects includes items usually carried by tourists and travelers which you own, while temporarily located in the vehicle, except personal effects does not include: a. Equipment, spare parts, or automotive tools; b. Accounts, bills, checks, credit or debit cards, currency, deeds, documents, evidences of debt, gift cards or certificates, letters of credit, money, notes, or securities; c. Portable digital or electronic devices, cell phones, or laser or radar detection devices, including their accessories; or d. Tapes, disks or other media used with equipment described immediately above.

AC 114 MA 07 18 Page 1 of 2 AC 114 MA 07 18 Limit Of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Branded Merchandise Coverage We will pay up to $250 for direct and accidental loss or damage to branded merchandise. If the branded merchandise is a key fob or keychain, this coverage will not pay for the cost to duplicate lost or stolen keys, nor will it pay for the cost to re-key the vehicle locks. However, we will not pay for loss to branded merchandise caused by theft unless the loss results from forcible entry. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Vehicle Valuable Papers Coverage We will pay up to $250 for direct and accidental loss or damage to vehicle valuable papers and records while in your covered auto, subject to a deductible of $25. This coverage includes the cost to research lost information on valuable papers and records for which duplicates do not exist. However, we will not pay for loss to valuable papers and records caused by theft unless the loss results from forcible entry into your covered auto. All losses caused by theft must have visible marks of forcible entry. For purposes of this coverage, your covered auto’s valuable papers and records includes but is not limited to printed or written materials such as an owner's handbook, parts or service manuals or sales literature. The following provision is added: Other Sources Of Recovery Any insurance we provide with respect to the additional coverage under Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of this endorsement shall be excess over any other collectible source of recovery. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident. The most we will pay for all covered damages shall not exceed the actual amount of loss associated with each accident.

All other policy provisions apply.

AC 114 MA 07 18 Page 2 of 2 AC 115 MA 07 18 PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY MOTORSPORTS ADVANTAGETM ENDORSEMENT – MASSACHUSETTS

Part 7. Collision, Part 8. Limited Collision, And Part 9. Comprehensive The following coverage is added by this endorsement: Spare Parts The limit shown in the Coverage Selections Page or Schedule for spare parts is increased by $1,500. The following coverage applies to your covered auto listed in the Coverage Selections Page or Schedule if the loss or damage is caused by: A. Comprehensive, only if the Coverage Selections Page or Schedule indicate that Comprehensive Coverage is provided for your covered auto. B. Collision, only if the Coverage Selections Page or Schedule indicate that Collision Coverage or Limited Collision Coverage is provided for your covered auto. Loss Of Use And Trip Interruption Expenses We will pay, without application of a deductible, up to a maximum limit of $1,500 for reasonable: 1. Temporary expenses incurred by you for transportation, lodging and meals in the event of direct and accidental loss to your covered auto caused by collision or comprehensive; 2. Expenses of up to $20 per day, or the amount for which you become legally responsible, in the event of a covered loss to an auto not owned by or furnished or available for your regular use which is a replacement for your covered auto; and AC 115 MA 07 18 Page 1 of 3 AC 115 MA 07 18 3. Unrecoverable, pre-paid expenses for your attendance at collector vehicle events, such as pre- registration fees. This coverage applies only if: 1. The loss to your covered auto occurs more than 50 miles from its customary garaging; and 2. Your covered auto is withdrawn from use for at least 24 hours. Limit of Liability 1. Our payment for these expenses will be limited to that period of time reasonably required to: a. Resume travel under a prearranged itinerary; or b. Return home. 2. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and Part 7. Collision, Part 8. Limited Collision, or Part 9. Comprehensive of the policy. Exclusions We will not pay for loss to, or loss of use of, a rental vehicle rented by you if a rental vehicle company is precluded from recovering such loss or loss of use from you, pursuant to the provisions of any applicable rental agreement or state law. Automotive Tools Coverage We will pay up to $250 for direct and accidental loss or damage to automotive tools for your covered auto, subject to a deductible of $25. This coverage does not include tools used in any business, or property of others in your care, custody or control. However, we will not pay for loss to automotive tools caused by theft unless the loss results from forcible entry. Debris Removal Coverage We will pay up to $2,500 for the cleanup and removal of your covered auto for losses occurring at a racing facility or facility or roadway temporarily designated for speed, time, racing, or performance driving events. This coverage does not include damage to the racing facility or track, including barriers, walls or equipment, or for any costs incurred for the removal, remediation or restoration of any polluted land or water. In no event will this coverage pay for loss or damage to your covered auto. Personal Effects Coverage We will pay up to $250 for direct and accidental loss or damage to your personal effects while in your covered auto, subject to a deductible of $25. However, we will not pay for loss to personal effects caused by theft unless the loss results from forcible entry into your covered auto. Safety Equipment Coverage We will pay up to $500 for direct and accidental loss or damage to safety equipment used in conjunction with your covered auto. We will not pay for loss to safety equipment unless the safety equipment is made available for inspection after a loss. We will not pay for loss to helmets unless they comply with Federal Motor Vehicle Safety Standards. Our limit of liability for safety equipment will be the lessor of: 1. The actual cash value of the safety equipment; or 2. The cost to repair or replace the damaged safety equipment with others of like kind and quality.

AC 115 MA 07 18 Page 3 of 3 AC 007 MA 07 18

PLEASE READ THIS ENDORSEMENT CAREFULLY AS IT CHANGES YOUR POLICY MEDICAL PAYMENTS COORDINATION OF BENEFITS ENDORSEMENT - MASSACHUSETTS

All other policy provisions apply.

Includes copyrighted material of Automobile Insurance Bureau, 2016 AC 007 MA 07 18 Page 1 of 1 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION A. Wherever rounding is shown in this rule, this means rounding to the nearest whole dollar. 1. Rating Bodily Injury Liability, Optional BI to Others, Damage to Someone Else’s Property, Motorcycle Guest Occupant Liability, Medical Payments, Personal Injury Protection, and Increased BI caused by an Uninsured Auto and BI cause by an Underinsured Auto: Calculate the policy’s premiums as follows: a. Determine the number of vehicles with each coverage on the policy. b. For each vehicle, multiply any applicable model year and vehicle modification factor found in the state rate pages. This is the vehicle’s class factor, for purposes of this section. (1) For single vehicle policies, or policies with 2 or 3 vehicles of the same class, find the applicable coverage base premium and multiply it by the applicable class factor. (2) For policies with 2 or 3 vehicles of different classes, find the applicable coverage base premium. Calculate the average of the class factors and multiply by the coverage base premium. (3) For policies with more than 3 vehicles, find the applicable coverage base premium. Average the class factors for the three vehicles with the highest factors. Multiply the coverage premium by this averaged class factor. c. Reserved for Future Use. d. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. e. Multiply the above by any applicable coverage level discount, surcharge or any other factor. f. Multiply the above by any applicable policy level discount, surcharge or any other factor and round. 2. Physical Damage Rating a. See State Rate Pages for applicable coverage base rate per $100 for the vehicle. b. Reserved for Future Use. c. Multiply by any applicable vehicle symbol factor. d. Multiply by any applicable vehicle value band factor. e. Multiply by vehicle type factor. f. Multiply by number of vehicles factor. g. Multiply by model year/modified group factor. h. Multiply by Cherished Salvage® factor in the rate pages (if applicable). i. Multiply by the waiver of subrogation factor in the rate pages (if applicable). j. Select deductible option and multiply by deductible factor. k. Multiply by applicable garaging factor. l. Multiply by applicable years licensed adjustment factor. m. Multiply by the vehicle’s insured value/100. n. Reserved for Future Use. o. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. p. Multiply the above by any applicable coverage level discount, surcharge or any other factor. q. Multiply the above by any applicable policy level discount, surcharge or any other factor and round.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION (cont’d) 3. Other Add any optional policy or vehicle endorsements. 4. Paid-in-Full Discount If this discount is applicable, multiply the policy premium by the Paid-in-Full Discount Factor and round. 1. Applicable State Assessments None. B. Refer to Rule 5. for Minimum Premium rules.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.6. Custom Features Coverage for loss or damage to custom features may be limited to $10,000. The limit for custom features is a part of the total agreed value of the vehicle; it is not an additional limit. If purchased, the per vehicle custom features total limit and premium must be indicated in the Coverage Selections Page. See Rates for applicable premium charge. Attach endorsement AC 108 MA, Custom Features Limitation Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.14. Collector Motorcycle A. If a collector motorcycle is written under the policy attach the collector motorcycle endorsement. B. Motorcycle guest occupant liability is provided at the same limit as Part 5, Optional Bodily Injury to Others (up to 35/80) and will be provided as a separate limit stated on the coverage selections page. The insured may select a higher limit of coverage equal to the policy’s bodily injury liability limit. Refer to rate pages for rates. C. This endorsement also provides additional coverage for motorcycle safety apparel and newly acquired motorcycles Attach endorsement AC 103 MA, Collector Motorcycle Endorsement - Massachusetts.

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: November 2014July 2018 MASSACHUSETTS (20)

CAM Ed. Date 11/1407/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION A. Wherever rounding is shown in this rule, this means rounding to the nearest whole dollar. 1. Rating Bodily Injury Liability, Optional BI to Others, Damage to Someone Else’s Property, Motorcycle Guest Occupant Liability, Medical Payments, Personal Injury Protection, and Increased BI caused by an Uninsured Auto and BI cause by an Underinsured Auto: Calculate the policy’s premiums as follows: a. Determine the number of vehicles with each coverage on the policy. b. For each vehicle, multiply any applicable model year and vehicle modification factor found in the state rate pages. This is the vehicle’s class factor, for purposes of this section. (1) For single vehicle policies, or policies with 2 or 3 vehicles of the same class, find the applicable coverage base premium and multiply it by the applicable class factor. (2) For policies with 2 or 3 vehicles of different classes, find the applicable coverage base premium. Calculate the average of the class factors and multiply by the coverage base premium. (3) For policies with more than 3 vehicles, find the applicable coverage base premium. Average the class factors for the three vehicles with the highest factors. Multiply the coverage premium by this averaged class factor. c. Reserved for Future Use. d. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. e. Multiply the above by any applicable coverage level discount, surcharge or any other factor. f. Multiply the above by any applicable policy level discount, surcharge or any other factor and round. 2. Physical Damage Rating a. See State Rate Pages for applicable coverage base rate per $100 for the vehicle. b. Reserved for Future Use. c. Multiply by any applicable vehicle symbol factor. d. Multiply by any applicable vehicle value band factor. b.e. Multiply by vehicle type factor. c.f. Multiply by number of vehicles factor. d.g. Multiply by model year/modified group factor. e.h. Multiply by Cherished Salvage® factor in the rate pages (if applicable). f.i. Multiply by the waiver of subrogation factor in the rate pages (if applicable). g.j. Select deductible option and multiply by deductible factor. h.k. Multiply by applicable garaging factor. i.l. Multiply by applicable years licensed adjustment factor. j.m. Multiply by the vehicle’s insured value/100. k.n. Reserved for Future Use. l.o. Multiply the above by any applicable vehicle level discount, surcharge or any other factor. m.p. Multiply the above by any applicable coverage level discount, surcharge or any other factor. n.q. Multiply the above by any applicable policy level discount, surcharge or any other factor and round.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

3. PREMIUM DETERMINATION (cont’d) 3. Other Add any optional policy or vehicle endorsements. 4. Reserved for Future Use.Paid-in-Full Discount If this discount is applicable, multiply the policy premium by the Paid-in-Full Discount Factor and round. 1. Applicable State Assessments None. B. Refer to Rule 5. for Minimum Premium rules.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

4. PREMIUM DISCOUNTS AND SURCHARGES (cont’d)

4. Experience Rating Plan a. In order for a risk to qualify for application of experience rating plan credits, our company must insure a collection of: (1) 6 or more vehicles with a total minimum value of $250,000; or (2) aAny number of vehicles with a total minimum value of $500,000. b. The experience rating plan credit shall only be applied to the Comprehensive and Collision premium. 5. RESERVED FOR FUTURE USEPaid-In-Full Discount A discount of 7% applies to the policy term when the full policy premium is paid: a. At policy inception for new business; or b. By the renewal effective date. However, an insured on a payment plan that pays in full within 90 days of the inception or renewal will also receive the Paid-In-Full Discount. Factor: 0.93 6. Portfolio Transfer Discount A discount will be applied for policies originally written under a non-Essentia insurance company which are converted to the Essentia Classic Automobile program as part of a portfolio transfer. This discount is intended to mitigate the disruption that may be caused as a result of an agent’s transition of qualifying business to the Essentia program, and is provided for the first two policy terms. a. A 10% discount shall be afforded for the first annual term. b. A 5% discount shall be afforded for the second annual term.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

6. POLICY PERIOD, PAYMENT PLANS AND FEES A. A policy may only be written for a period of one year. B. RESERVED FOR FUTURE USEPayment Plans 1. The premium threshold to qualify for a payment plan, other than the Full Payment Plan, is $300. 2. Payment Plans The following payment plans are available: a. Full Payment 1) New Business - 100% of policy premium is due at policy inception. 2) Renewal – 100% of policy renewal premium is due 15 days before the renewal effective date. b. Semi-Annual 1) First payment of 50% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 50% of the policy premium is due 5 months after policy effective date. c. Quarterly 1) First payment of 25% of policy premium is due: a) New Business - At policy inception; or b) Renewal - 30 days before the renewal effective date. 2) Second payment of 25% of the policy premium is due two months after the first payment’s due date. 3) Third and fourth payments of 25% of the policy premium are due three months after each previous installment’s due date. d. Monthly 1) New Business a) First payment of 16.67% of policy premium is due at policy inception. b) Ten installments of 8.33% of the policy premium are due at monthly intervals, beginning one month after the policy effective date. 1)2) Renewal – A monthly payment of 8.33% of the policy premium is due for 12 consecutive months, with the first month’s payment due 30 days before the renewal effective.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: November 2014July 2018 MASSACHUSETTS (20)

* Comprehensive Coverage is a required coverage under the Antique and Classic Auto Program.

Includes copyrighted material of Automobile Insurers Bureau. CAM Ed. Date 11/1407/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.3. Increased Limits – Spare Parts A. The policy includes a basic limit of $750 for Spare Parts. This limit may be increased. B. When our company insures a collection of: 1. 6 or more vehicles with a total minimum value of $250,000; or 2. aAny number of vehicles with a total minimum value of $500,000, the Value-Added Endorsement – Massachusetts, AC 00 44400 MA, is attached to these policies and includes a basic limit for Spare Parts is $1,500. This limit may be increased. A subsequent change in the collection value will not require a reduction in this basic spare parts limit. Refer to Rates for additional charge per $100.

CAM Ed. Date 06/1707/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.6. Custom Features Coverage for loss or damage to custom features may be limited to $10,000. The limit for custom features is a part of the total agreed value of the vehicle; it is not an additional limit. If purchased, the per vehicle custom features total limit and premium must be indicated in the DeclarationsCoverage Selections Page. See Rates for applicable premium charge. Attach endorsement AC 00 16108 MA, Custom Features Limitation Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: March 2016July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.13. Named Driver Exclusion Excludes coverage while driven by the driver named on the endorsement. This endorsement will be used to write a risk that would otherwise be declined due to an operator in the household. A. The named driver exclusion endorsement: 1. Shall be signed by the named insured and the named excluded driver; 2. Shall remain in effect: a. For the term of the policy; and b. For each renewal, reinstatement, substitute, modified, replacement or amended policy; unless discontinued by the insurercompany. B. If a named driver exclusion endorsement is attached to the policy: 1. The premiums charged for the policy shall not reflect the claim experience or driving record of the named excluded driver. 2. The named excluded driver shall not be listed as an operator of any auto covered under the policy. C. If a loss payee is shown in the policy, the loss payee may be sent a notice indicating that the policy contains a named driver exclusion. Attach endorsement AC 02 10201 MA, Named Driver Exclusion Endorsement - Massachusetts.

CAM Ed. Date 03/1607/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.14. Collector Motorcycle A. If a collector motorcycle is written under the policy attach the collector motorcycle endorsement. B. Motorcycle guest occupant liability is provided at the same limit as Part 5, Optional Bodily Injury to Others (up to 35/80) and will be provided as a separate limit stated on the coverage selections page. The insured may select a higher limit of coverage equal to the policy’s bodily injury liability limit. Refer to rate pages for rates. C. This endorsement also provides additional coverage for motorcycle safety apparel and newly acquired motorcycles Attach endorsement AC 03 15103 MA, Collector Motorcycle Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.17. Vehicle Under Construction This endorsement is available for vehicles under active restoration or new builds. Physical damage coverage is enhanced by adding: A. A mid-term increase to the vehicle’s agreed valueGuaranteed Value® of 10% per quarter, subject to a maximum of $25,000 during the policy term. 1. Upon expiration of the policy period, the limit reverts back to the agreed valueGuaranteed Value® shown in the Declarations. 2. This amount is used to process the renewal unless a change in the amount of insurance is requested, to which we must also agree. B. Coverage for direct and accidental loss of, or damage to, Automotive Tools used for any covered auto of $750, subject to a deductible of $25. “Automotive Tools”, includes tools and portable equipment used in the maintenance of collector vehicles. This also includes: 1. Portable carts or cases used to store covered tools; and 2. Accessories for covered tools whether attached or not. See rate pages for the applicable premium per vehicle. Attach endorsement AC 00 50 MA, Vehicle Under Construction Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

12.18. Value-Added For no additional premium, the provisions of the Antique and Classic Automobile Insurance Policy are broadened by this endorsement. This endorsement applies when our company insures a collection of: A. 6 or more vehicles with a total minimum value of $250,000; or B. aAny number of vehicles with a total minimum value of $500,000. A subsequent change in the collection value will not require removal of this endorsement. Attach endorsement AC 00 44400 MA, Value-Added Endorsement - Massachusetts.

CAM Ed. Date 07/1718 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 2018 MASSACHUSETTS (20)

OPTIONAL LIMITS AND ENDORSEMENTS

CAM Ed. Date 07/18 ANTIQUE & CLASSIC AUTOMOBILE MANUAL RULES Edition Date: July 20172018 MASSACHUSETTS (20)

CAM Ed. Date 07/1718