BACKDATING POLICIES:

Maximum of 60 days

Backdating requires 60 days of Premium (for example, backdating 15 days would mean their next payment is due in 45 days)

Requirements:

1.  60 Days of Premium

2.  Copy of Valid DL for ALL DRIVERS

2.  Copy of Valid Registration (All Registered Owners MUST BE WRITTEN on policy)

3.  Physical Damage (Comp/Coll) requires visual inspection PRIOR TO BINDING (at TCF office)

UNACCEPTABLE VEHICLES:

1. The following makes and models are unacceptable:
   • Alpha Romeo
   • Any vehicle in excess of ¾ ton load capacity
   • Corvette
   • Ferrari
   • Fiat
   • Ford Transit
   • Jaguar
   • Maserati
   • Peugeot
   • Porsche
   • TVR

2. No comprehensive and collision coverage on vehicles two model years and newer with a symbol greater than 30 or vehicles three model years and older with a symbol greater than
3. No comprehensive and collision coverage on vehicles older than 20 model
4. No comprehensive and collision coverage on vehicles with a value in excess of $25,000.
5. No surcharged vehicles or performance rated vehicles by ISO with a symbol greater than 25 (2010 and prior model years) or 40 (2011+ model years).
6. No comprehensive or collision coverage on surcharged or sports or premium performance rated vehicles.
7. Trucks with more than four wheels, such as “Dually” pickup trucks.
8. Any vehicle not owned or co-owned by the applicant or a rated operator on the policy (no insurable interest).
9. Vehicles titled as salvage, prior salvage, rebuilt or unrebuildable are acceptable for liability coverage
10. Any vehicle that is garaged away from the policy address for a substantial part of the time (i.e. risks driving extensively out of Nevada) including students garaging a policy vehicle at out of state
11. Vehicles used in ride sharing services including, but not limited to, Uber and
12. Vehicles used for emergency, delivery (including pizza), messenger service, livery, limousine, taxi service, or drivers for hire, including vehicles used to haul nursery or school children, migrant workers, hotel/motel guests, parishioners, patients, or people paying a fare,
13. Vehicles used for a courier or escort
14. Commercial vehicles or any vehicle owned by, leased, titled or registered to a corporation, partnership or in any company’s name.
15. Any vehicle with a logo or
16. Vehicles equipped for snow
17. Vehicles used for racing, speed contests or
18. Any vehicle rented or leased for a term of less than six
19. Any vehicle which is rented, loaned or otherwise leased to another operator on a regular
20. Any vehicle with more or less than four wheels
21. Any vehicle with raised or lowered
22. Amphibious vehicles, dune buggies, motorcycles, scooters, motor homes, travel trailers, or kit cars.
23. Any vehicle described as antique, classic, collectors, custom, electric, exotic, rare, replica, show or limited production.
24. Any vehicle with an aluminum, stainless steel, or fiberglass
25. Any vehicle substantially modified in appearance or
26. Grey market vehicles or other vehicles manufactured overseas that are not built to US pollution and safety
27. Motor homes