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Florida Classic CarVerificationVerificationVerification of prior insurance and home ownership arerequired.When a policy has been selected for verification, youwill receive a screen message instructing you to printthe fax verification sheet as part of the print package.Complete the form and fax it to us (Safeco) along withany requested documents.Please fax these items immediately whenever possible.If verification is not received within 20 calendar days ofthe request or 42 days after policy inception, whicheveris sooner, we will re-rate the policy accordingly.Prior Insurance Coverage and LimitsOur rating system will prompt you for the carrier nameand liability limits of the named insured’s prior autoinsurance policy. This information is required and will beverified at random.Back to Table of ContentsPrior Auto Insurance ProofAcceptable verification documents include adeclarations page, a cancel/nonrenewal notice, aprintout from an agency management system, or anIdentification (ID) Card.Any of these items must include the named insured andmost recent term with expiration date and previousliability limits. The named insured on the new Safecopolicy must be the named insured or a listed driver onthe prior policy. ID cards will be considered at minimumlimits if the liability limits are not displayed. Any proofnot showing the named insured, a 6-month policy termand liability limits may cause the policy to be re-rated.Documentation of an acceptable reason for not havingprior insurance may also be considered on an exceptionbasis.Safeco Insurance Company of Illinois10

Florida Classic CarVerificationHome OwnershipThese documents include, but are not limited to:Our rating system will prompt you for the residence typeof the named insured. This information is required andwill be verified at random. Original signed applicationAcceptable verification documents include: Signed credit card authorization Active Safeco homeowners policy number Company-issued homeowners declaration page Printouts of homeowners coverage from an agencymanagement system Deed Proof of special equipment Signed exclusion form listing all persons excludedfrom coverage Signed uninsured motorists selection/rejection form Proof of not-at-fault accidents Proof of home ownership Mortgage coupon Verification of any Driver Prevention Courses Property tax recordAny of these items must include the named insured.File Maintenance and Audit RequirementsYou are required to maintain relevant documentation fora period of seven years after policy expiration.Back to Table of Contents Signed electronic funds transfer (EFT) forms Pre-insurance inspection documentation and allphotos Signed coverage selection/rejection formsSafeco Insurance Company of Illinois11

Florida Classic CarVehicle EligibilityVehicle EligibilityGaraging AddressVehicles written in the Classic Car program must bestored in an enclosed, locking garage or storage facility.Entering the address where the vehicle is principallygaraged will allow the system to automatically assignthe proper territory and rating factor.InspectionsVehicle inspections are required on all vehicles writtenin the Classic Car program. Any pre-existing damageshould be noted and kept with the applicationinformation.Photographs and ValuationPhotographsGood quality, recent photographs are required for allvehicles written in the Classic Car program. Colorphotos, one of the front and driver side and one of therear and passenger side, are necessary for eachvehicle. A photo of all modified engines is required. IfBack to Table of Contentsthe interior of a vehicle has been modified, photos arerequired. Photos of all major modifications are required,such as engine, interior, paint, etc. Agents will keep therequired photos in their customer’s file for submission tous (Safeco) upon request.ValuationProof of value is required on all vehicles written in theClassic Car program. Proof may be in the form of aqualified appraisal, proof of sale with supportingvaluation documents, or other qualified documents.NADA values only are not acceptable. Safeco reservesthe right to request qualified appraisals on any vehiclewritten in the Classic Car program.Agents will keep the required value documentation intheir customer’s file for submission to us (Safeco) uponrequest.Safeco Insurance Company of Illinois12

Florida Classic CarVehicle EligibilityModel Year– Limousine or taxi serviceThe model year is determined by the vehicle’s originalmanufacturer. If the vehicle is rebuilt or structurallyaltered, the model year of the chassis/frame determinesthe model year of the vehicle.Ineligible Vehicles(Amended: 06/08/13)The following vehicles are ineligible for the Classic Carprogram: Vehicles with a cost new value in excess of 100,000without underwriting approval Vehicles principally garaged or stored in Delaware,Hawaii, Maine, New Jersey, Rhode Island, District ofColumbia, Canada, Mexico or Puerto Rico(“principally garaged” is defined as at least six monthsin a given state or location) Vehicles used for:– Racing or speed tests– Pick-up or delivery of goodsBack to Table of Contents– Emergency services Vehicles with jet or nitric oxide or similar type engines A vehicle written in the Classic Car program(excluding regular use classic car), that is the onlyvehicle or primary vehicle in the household or asubstitute vehicle for the household members Vehicles with suspension lift kits raising the vehiclemore than 17 inches in height Vehicles that are not owned by an individual, or by ahusband and wife who reside in the same household Vehicles that do not include physical damagecoverage Vehicles parked outside, on the street or in publicparking garages Vehicles used for any delivery, business orcommercial use, including incidental activities Reproduction and Kit vehicles without prior approvalSafeco Insurance Company of Illinois13

Florida Classic CarVehicle Eligibility Vehicles that may not be considered a privatepassenger auto or truck require pre-underwritingapproval.Back to Table of ContentsSafeco Insurance Company of Illinois14

Florida Classic CarDriver EligibilityDriver EligibilityDriver ClassificationDrivers are classified by age, sex and marital status.Age means the age of the driver as of the term effectivedate.Driver Marital StatusSingle means an operator who is not legally married,including single, widowed, separated, divorced or in adomestic partner relationship.Married means an operator who meets the localstatutory definition of married or domestic partnership.Driver-Vehicle AssignmentThe driver that principally operates the classic carshould be assigned to that vehicle within our ratingsystem. Rates for these vehicles will be calculatedindependently of any vehicles on the policy and theaverage driver factor will not apply to antique andrestricted use classic cars written in this program.Back to Table of ContentsHousehold MembersMonoline BusinessIf you write a classic car type vehicle monoline/standalone, list only those drivers of the vehicle. Householdmembers who do not drive the vehicle do not need tobe listed. You may enter their names and ages in the“Remarks” section of the application. If you write aregular use, private passenger auto policy and crossreference a monoline classic car policy, list only thosedrivers on the classic car policy who drive the classiccar type vehicle, not all the household drivers.All household drivers must be listed or excluded whenwriting a Regular Use/Unlimited Mileage Classic Car. Ifall drivers are not listed or excluded, the policy may becanceled.Account BusinessIf you write a classic car type vehicle on the same policyas a regular use, private passenger auto, you must listall drivers of the household. This is a requirement whenSafeco Insurance Company of Illinois15

Florida Classic CarDriver Eligibilitywriting a private passenger auto. You may avoid listingall household drivers for a classic car type vehicle bywriting this vehicle on its own policy and crossreferencing it. Drivers without a current, valid U.S. driver’s licenseAll household drivers must be listed or excluded whenwriting a Regular Use/Unlimited Mileage Classic Car. Ifall drivers are not listed or excluded, the policy may becanceled. Drivers who are not permanent residents (10-monthintended stay) of the rating stateDriver Exclusions Drivers without a verifiable driving record Drivers with permanently suspended or revokedlicenses Drivers who have been convicted of insurance fraudDriver other than the named insured or those driversrequiring an SR-22 filing may be excluded from one ofour (Safeco) policies. Exclusions must be signed by anamed insured, 18 years of age or older. Driverexclusion forms are available in the Q&I print packageand the Policy Forms Viewer on our Web site.Ineligible DriversThe following drivers are ineligible for insurance: Drivers requiring an SR-22 filing may be written onClassic Regular Use onlyBack to Table of Contents Drivers without a specific, in-state garaging address Risks requiring any financial responsibility filing Persons employed in illegal enterprises andoccupations Persons employed in occupations involving the use ofan insured vehicle by nonresident non dependentoperators Drivers who have had a policy canceled by us for lossexperience or misrepresentation Drivers without a means of daily transportation otherthan a limited use vehicle written in Safeco’s ClassicCar ProgramSafeco Insurance Company of Illinois16

Florida Classic CarDriver Eligibility Principle owners and operators with less than 10years driving experienceDriving HistoryDrivers not meeting the driving history shown below arenot eligible for the Classic Car program. No DWI/alcohol/drug/major violations No more than one at-fault accident No more than two minor or speeding violations No more than a combination of one at-fault accidentand one minor or speeding violation.The experience period for accidents and violations is34-months prior to the effective date of the policy.Youthful OperatorsAny driver under the age of 25 is considered a youthfuloperator and may not be the named insured or theprimary driver of a vehicle written in the Classic Carprogram.Back to Table of ContentsSafeco Insurance Company of Illinois17

Florida Classic CarCoverage LevelsCoverage LevelsEssential, Enhanced, Superior and Ultra(Effective NB: 06/15/19 RB: 08/01/19)Insurance is offered through four coverage levels.Essential is the base product offering and is designedfor price conscious preferred customers. There arethree additional coverage levels to make a total of fourlevels. The four coverage levels are: Essential,Enhanced, Superior, and Ultra. A description of thefeatures of each coverage levels is shown in the tablebelow. Additional detail about these features is foundunder the Coverage Options section.This product is only available for new business, and theEssential coverage level is not available for NonStandard customers.Back to Table of ContentsSafeco Insurance Company of Illinois18

Florida Classic CarEssential No Accident Forgiveness Lower limits for:– Loss of Earnings for trial– Bail Bonds– Auto Theft Transportation– AV Limit– Customized Equipment OEM optional coverage is notavailableBack to Table of ContentsCoverage LevelsDifferences Among Coverage LevelsEnhancedSuperiorEquivalent to Safeco PersonalAuto Contract.SA–1852FLEP Florida PersonalAuto Policy Accident Forgiveness 6 yearsSuperior adds to Enhanced: Accident Forgiveness 3 years Collision deductibleautomatically waived for not-atfault loss Comprehensive deductiblewaived for total loss Diminishing deductible New vehicle replacement Electronic key replacement Worldwide Rental Claims-Free Cash Back Safeco Insurance Company of IllinoisUltraUltra adds to Superior: New Business AccidentForgiveness No adjustment for depreciation/betterment Personal Property Roadside Assistance Emergency Expenses, DisabledVehicle Transportation, KeyLockout - RV Loan Lease Higher limit loss of earnings forTrial Extra Death Benefit Dog and Cat Coverage19

Florida Classic CarDriving RecordDriving RecordAccidents, Convictions and ClaimsWhen determining the appropriate market tier for yourcustomer’s policy, we will consider driving and claimsactivity up to five years as stipulated below. Afterdetermining the appropriate market tier, the experienceperiod for charging convictions or at-fault-accidentpoints is 34 months prior to the effective date of thepolicy.Please stress the importance of full disclosure to avoidadditional premium or policy cancellation. Anyunrevealed driving activity will be added to the drivingrecord and the policy will be re-rated accordingly. Major convictions which have occurred in the past fiveyears which include, but are not limited to:– Driving under the influence– Open container violation– Vehicle theft or felony of a vehicle– Careless or improper operation of a vehicle– Drag racing– Driving under suspension; excludes suspensionswhich are not related to owning or operating a motorvehicle such as failure to appear, failure to pay:The following driving record and claims activity must beshown on the application: Fine Minor convictions which have occurred in the past fiveyears Child support Alimony Taxes Real estate license Hunting licenseBack to Table of ContentsSafeco Insurance Company of Illinois20

Florida Classic CarDriving Recordto one occurrence, only the accident or conviction withthe highest points will receive a merit surcharge.– Fleeing from police– Leaving the scene of an incidentAccident Forgiveness– Reckless or negligent driving(Effective NB: 06/15/19 RB: 08/01/19)– Vehicular homicide– Driving without owner’s consent Claims occurring within the past three (3) years:Subject to coverage level features, for a driver withoutan accident, the first accident will not result in asurcharge. Subsequent accidents will result in asurcharge for all accidents.– Include at-fault accidents, not-at-fault accidents andcomprehensive lossesEssential– Exclude towing lossesEnhanced– Exclude not-at-fault losses where the only paymentwas for personal injury protection or medicalpayment losses for the vehicle owner or otheroperator residing in the same householdAll driving record and claims activity listed above mustbe shown on the application. Comprehensive LossUnderwriting Exchange (CLUE) reports and motorvehicle records (MVRs) will be utilized to verify theinformation provided. Point charges are based on theconviction date and, when multiple points are applicableBack to Table of ContentsSuperiorUltraNot eligible for AccidentForgivenessEarned after 6 years with Safecoand 6 years clean drivingEarned after 3 years with Safecoand 3 years clean drivingEarned at New Business and 3years clean driving with an insurerAt-fault AccidentsAt-fault accidents which result in property damagetotaling 750 or more or any bodily injury result in amerit surcharge. At-fault accidents beneath thesethresholds are not subject to this surcharge.Safeco Insurance Company of Illinois21

Florida Classic CarDriving RecordIn accordance with Florida Statue 626.9541(1)(o)(3a),accidents are chargeable if the customer’s file containsinformation from which the customer in good faithdetermines that the customer was substantially at-faultin the accident.Not At-fault AccidentsNot at-fault accidents do not receive a merit surcharge.Some examples of not at-fault accidents are situationswhere: The vehicle was lawfully parked at the time of theaccident The accident was caused by collision with a bird oranimal The vehicle was struck by a “hit-and-run” driver andthe accident was reported to the proper authoritieswithin 24 hours A non-rated driver was convicted of a moving violationin connection with the accidentproviding we make no liability payment on behalf ofyour customer The vehicle was stopped at a stop sign or traffic lightwhen it was rear-ended by another vehicle, or therated driver was clearly not at fault The accident involved physical damage limited to andcaused by flying gravel, missiles or falling objects Payment was received under personal injuryprotection or additional personal injury protectionwhere such individual was not at fault The owner or operator of your customer’s vehicle wasreimbursed (or received judgment against another) formore than 50 percent of the property damageForeign and International Driver’s LicensesDrivers without a valid U.S. drivers license are noteligible for the Classic Car program. The accident is one in which judgment orreimbursement is obtained from the other party,Back to Table of ContentsSafeco Insurance Company of Illinois22

Florida Classic CarCoverage OptionsCoverage OptionsCoverage descriptions are for informational purposes only. Please refer to the policy for actual coverage descriptions.Liability CoveragesPreferred/StandardBodily Injury Liability Limits(in thousands)Property Damage Liability Limits(in thousands)Combined Single Limit of Liability(in thousands)Back to Table of ContentsSafeco Insurance Company of 50010030050023

Florida Classic CarCoverage OptionsPreferred/StandardNamed insured onlyPersonal InjuryProtection Options(in thousands)Named insured anddependent relativesNamed insured only,work loss excludedNamed insured anddependent relatives,work loss excludedMedical Payments Coverage LimitsUninsured Motorist Limits(in thousands)Back to Table of ContentsSafeco Insurance Company of Illinois 02505001,000 02505001,000 02505001,000 02505001,000 0/500300/300500/50024

Florida Classic CarCoverage OptionsPhysical Damage CoveragesPreferred/StandardComprehensive Physical Damage CoverageDeductiblesCollision Physical Damage CoverageDeductiblesSafeco Optimum Package Audio, Visual and Customized EquipmentCoverageRoadside AssistanceEmergency Assistance Package1002505001,0002,000 1002505001,0002,000AvailableUp to 5,000 per vehicleLoss of Use CoverageBack to Table of Contents Safeco Insurance Company of IllinoisAvailableAvailable 25/75035/1,05050/1,50075/2,25025

Florida Classic CarCoverage OptionsBodily Injury Liability (BI)Bodily injury limits must be equal to or higher than theminimum financial responsibility limits required by law.All vehicles on the policy must carry the same liabilitylimits. (See Liability Coverages table.)Property Damage Liability (PD)Property damage limits must be equal to or higher thanthe minimum financial responsibility limits required bylaw. All vehicles on the policy must carry the sameliability limits. (See Liability Coverages table.)Combined Single Limit (CSL)Combined single limit is a single limit of liability thatapplies to bodily injury and property dam

Safeco Optimum Package (OPTM) Audio, Visual and Customized Equipment (ACE) Roadside Assistance Emergency Assistance Package Loss of Use (LOU) Physical damage Minimum Discounts Anti-theft Discount Anti-Lock Braking Systems Discount Airbag System Discount Accident Prevention Cour