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Author Topic: insurance for a converted bus  (Read 2923 times)
Bob Gil
Bob Gilbreath bobgil@sbcglobal.net
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« on: February 26, 2008, 03:09:18 PM »

Ok where do you guy get you coaches insured?

I called my regular company and they normally write any thing and they said they could not do it unless I was buying a bus and do the work myself.

I have been trying to get things rounded up to get it home and happen to see my agent this afternoon.  I was just trying to liability since it had a fire I figured they would not do much else till it was cleaned back up and I would then take it back to them and let them inspect it before changing the coverage.

Bob   bobgil@flash.net
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Fort Worth, Texas where GOD is so close you don't even need a phone!

1968 GM Bus of unknown model 6V53 engine (aftermarket) converted with house hold items.

Had small engine fire and had no 12 volt system at time of purchase. 
Coach is all 110 w 14KW diesel genrator
scottwms
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« Reply #1 on: February 26, 2008, 03:11:32 PM »

Progressive
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cody
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« Reply #2 on: February 26, 2008, 03:14:19 PM »

Progressive here too.
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Lin
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« Reply #3 on: February 26, 2008, 03:18:54 PM »

I have been using GMAC which had some program going with Good Sam.  They will insure a bus conversion for liability initially.  But once you have an appraisal done, they will give full coverage.
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« Reply #4 on: February 26, 2008, 03:23:30 PM »

State Farm.

I tried a number of the RV specialist agencies (Aon, Hi Sage, RV Insurance Pros, etc.) and they wouldn't even discuss covering a bus conversion unless the conversion was done by a recognized professional conversion shop.  Likewise, Geico had the same response.
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H3Jim
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« Reply #5 on: February 26, 2008, 03:33:57 PM »

State Farm
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Jim Stewart
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John Z
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« Reply #6 on: February 26, 2008, 03:36:20 PM »

I tried GMAC. Rates were cheap, but when i asked what the value they were covering it for was going to be (since they had not seen the bus) she told me that would be determined at the time of the claim?Huh? I asked what if it is worst case and it burns to the ground? How are you going to know what was all there? She had no other answer so i looked elsewhere. I am now with progressive and a stated value policy.
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« Reply #7 on: February 26, 2008, 03:37:56 PM »

state farm,

4 coaches, agreed value coverage and includes towing to the closest shop that is suitable (bus garage: not jimmy joe's truck stop and tire change facility
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Bob Gil
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« Reply #8 on: February 26, 2008, 03:44:44 PM »

Thanks all

I just went to the Progressive web site and I think the rate of $139.00 a year would be hard to beat.

I think I will send them the money.

Then after I get the fire damage all fixed I can add something more then liablity on it then.
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Fort Worth, Texas where GOD is so close you don't even need a phone!

1968 GM Bus of unknown model 6V53 engine (aftermarket) converted with house hold items.

Had small engine fire and had no 12 volt system at time of purchase. 
Coach is all 110 w 14KW diesel genrator
gus
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« Reply #9 on: February 26, 2008, 03:53:46 PM »

I insured my 4104 with my regular auto insurance company. I never said it was a bus, I told them it is a motorhome which is the way it is registered. Motorhome is the key word, don't even say bus if you don't have to.

No problems or questions of any sort and my ins co won't insure a truck more than one ton??
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« Reply #10 on: February 26, 2008, 04:04:24 PM »

I insured my 4104 with my regular auto insurance company. I never said it was a bus, I told them it is a motorhome which is the way it is registered. Motorhome is the key word, don't even say bus if you don't have to.

No problems or questions of any sort and my ins co won't insure a truck more than one ton??

Interesting.  I've never seen an insurance agent that wrote a vehicle policy without asking the make, model and VIN.

I would be concerned how they would handle it if a claim ever had to be filed on it.
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bobofthenorth
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« Reply #11 on: February 26, 2008, 04:29:38 PM »

I would be concerned how they would handle it if a claim ever had to be filed on it.

Me too.  When you think you are fooling an insurance company the only person getting fooled is the guy in the mirror.  I've never yet seen an insurance company who wouldn't take the premium but I've met a couple who got pretty balky when it came time to pay up.

Buyer beware.

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R.J.(Bob) Evans
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Hi yo silver
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« Reply #12 on: February 26, 2008, 06:48:32 PM »

Both John Z's experience and your agent's response sound to me like a knee jerk responce from an agent who doesn't want to be bothered.  I have talked with my State Farm agent twice, and he has quoted $500 and some odd dollars.  I have my other vehicles and homeowner's with him.  I told him it was an MCI bus conversion; he didn't get nervous and didn't ask a lot of specific questions.  In fact, he said "when you get it, you're automatically covered for 0 days anyway, just call me with the VIN.
Dennis 
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Nick Badame Refrig/ACC
1989, MCI 102C3, 8V92T, HT740, 06' conversion FMCA# F-27317-S "Wife- 1969 Italian/German Style"
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« Reply #13 on: February 26, 2008, 06:53:36 PM »

Hi Bob,

We use AON [national interstate recreation insurance] They seem to be geared tward RV's and cover you for the things that you would never get

with auto insurance. Also, a diminishing deductable..

Nick-
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luvrbus
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« Reply #14 on: February 26, 2008, 06:55:48 PM »

Is State Farm allowed to write insurance in The Sate Of Texas where Bob lives
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