diff --git a/src/layouts/quote/quote.vue b/src/layouts/quote/quote.vue
index 1e4af96e0..0d0e30128 100644
--- a/src/layouts/quote/quote.vue
+++ b/src/layouts/quote/quote.vue
@@ -275,15 +275,15 @@ export default {
 
             const payment = store.getters.payment;
             const policy = store.getters.policy;
-            const vehicleChangedDuringPolicyLookupInHeritage =
-                payment.isInsurance &&
-                payment.insuranceCoverage.coverageStatus &&
-                policy.policyNumber !== "";
+            if (payment?.isInsurance) {
+                const vehicleChangedDuringPolicyLookupInHeritage =
+                    payment.insuranceCoverage?.coverageStatus && policy?.policyNumber !== "";
 
-            // This is a safeguard to prevent insurance from seeing quote page again.
-            // Usually this is caught in vehicle-questions-mixin with a referral length 6 check
-            if (vehicleChangedDuringPolicyLookupInHeritage) {
-                navigateToHeritageFunnel({ shouldSaveSession: true, pageNameToLog: "quote" });
+                // This is a safeguard to prevent insurance from seeing quote page again.
+                // Usually this is caught in vehicle-questions-mixin with a referral length 6 check
+                if (vehicleChangedDuringPolicyLookupInHeritage) {
+                    navigateToHeritageFunnel({ shouldSaveSession: true, pageNameToLog: "quote" });
+                }
             }
 
             if (store.getters.isExternalParameter) {