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Author Topic: insurance for a converted bus  (Read 3168 times)
HighTechRedneck
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« Reply #15 on: February 26, 2008, 07:08:56 PM »

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

They were when I lived there but that was over 15 years ago.

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-

Interesting, they were one of the ones I contacted and they wouldn't even discuss it because it wasn't done by a professional conversion shop.
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gus
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« Reply #16 on: February 26, 2008, 07:40:08 PM »

redneck and northbob,

You need to go back and read my post again.

I didn't say anything about not giving the ins co the make, model and VIN?? No insurance co could write insurance without this info??

Nobody was fooled. It is registered as a motorhome and I insured it as such.
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PD4107-152
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« Reply #17 on: February 26, 2008, 07:48:10 PM »

Now that some have mentioned it, I did tell GMAC it was a professional conversion (which is what I was told anyway), and it might make a difference with them.  They were real hot on the appraisal though and had to review it to give full coverage. 
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PP
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« Reply #18 on: February 26, 2008, 07:52:05 PM »

Statefarm took my money for more than 30 years on everything from buses to trucks to cars. Right up until I told them we were going to be fulltiming. They dropped me like a hot potato. Progressive had a policy specifically for fulltimers and didn't care that it was a bus, they based the coverage on the purchase price and said that when it was finished, if I wanted to bring an appraisal, they'd be glad to raise the coverage and the premium. By the way, they will tow it anywhere I ask if I ever need it, and we know that ain't cheap, yet it's only an extra 37 bucks a year. PP
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HighTechRedneck
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« Reply #19 on: February 26, 2008, 08:02:41 PM »

redneck and northbob,

You need to go back and read my post again.

I didn't say anything about not giving the ins co the make, model and VIN?? No insurance co could write insurance without this info??

Nobody was fooled. It is registered as a motorhome and I insured it as such.

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??

I'm not saying you misled them, but I would say one of two things happened:

  • They realized it was a bus conversion and it wasn't a problem in their rules.
  • They assumed it to be a RV motorhome model based on your reference to it as a motorhome and didn't look it up.

If the former, no problem at all.  If the later, then you may run into trouble if you ever have to file a claim and they may claim that you misinformed them.  Sure it is a motorhome by registration.  A Lamborghini is a car by registration, but insurance companies rate them differently than a Taurus.  Not just because of the price, but because of the class.  All the insurance companies I looked at had a destinct classification for bus conversions.

I'm just saying, be careful.
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tekebird
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« Reply #20 on: February 26, 2008, 08:52:13 PM »

state farm is in TX as well as the other state too.

they will write on a bus conversion......you must reference it as a motorhome....that is what it is afterall.

bus conversion will raise flags to underwriters.  and bring visions of POS 1960's schoolie conversions.

If your bus is registered and titled as a motorhome that si what it is...refer to it as such in all maner of dealings with govt, etc.

you are not lying!

reference it by it's proper Serial Number/VIN and model Number and you will have no issues at all
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« Reply #21 on: February 26, 2008, 09:00:14 PM »

Not many insurance companies will touch it if you are upfront and tell them you're fulltiming. When I was dropped by State Farm, I checked out quite a few and AARP will do it also under Hartford, but only as a second vehicle even though you're living in it. Progressive was the easiest with a policy just for fulltiming.
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DavidInWilmNC
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« Reply #22 on: February 27, 2008, 05:25:07 AM »

I have USAA, which is great if you qualify (military or family of military).  I pay about $375/ year for full coverage.  I told the insurance company that it was a 1978 MCI MC8 motorhome and the VIN.  They took a while looking it up, but insured it no problem.  I never mentioned it was a bus; it's not titled as one.

David
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Dreamscape
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« Reply #23 on: February 27, 2008, 05:32:48 AM »

In Texas we have State Farm, about 500 bucks a year. Thought that wasn't too bad for our coverage. I used the word motohome when I talked with the agent. Keep in mind ours is an older coach, your mileage may vary.

Hope I don't have to use them for claims EVER.  Wink

Paul
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FloridaCliff
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« Reply #24 on: February 27, 2008, 06:14:56 AM »

I used Progressive Direct.

My Home carrier doesn't do RV's

I told them I had a 1975 GMC RV, Gave them the VIN, They said "Thats a bus, right"

Bought an agreed value policy, very easy and fast.  Road service on RV was super fast and they called me

back to make sure everything went fine with the tire change 3 times.

Cliff
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makemineatwostroke
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« Reply #25 on: February 27, 2008, 06:33:35 AM »

 FWIW State Farm and the State of Texas are aways in a court battle they are the largest auto carrier in the state.They got in trouble by not paying the home owners claims when the hurricanes hit the coast and the state would not let State Farm  write new policies but the two are kissing now with State Farm cutting the rates by 100 million this year
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m-werx
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« Reply #26 on: February 27, 2008, 06:40:27 AM »

we use dempsy&siders the fmac ins,tel#513 891 4400 Brenda,offer the best tow package, we have a s/s+a prevo not yet finished.
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« Reply #27 on: February 27, 2008, 06:50:34 AM »

 

  ALLSTATE HERE IN INDIANA IS WHAT I WENT WITH!


   STEVE 5B......
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HighTechRedneck
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« Reply #28 on: February 27, 2008, 07:00:24 AM »

Well, obviously I'm in the minority on the issue of being upfront about it being a bus conversion when insuring it.  In my case, the State Farm agent knew going in that it was a bus conversion that I was personally converting to a motorhome.  He even needed photos of it.
« Last Edit: February 27, 2008, 07:17:04 AM by HighTechRedneck » Logged
FloridaCliff
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« Reply #29 on: February 27, 2008, 07:16:06 AM »

HighTech,

The knew mine was a bus conversion without even telling them.

But my title says Motorhome and thats what it is, now.

But I totally agree, that any deception will only bite you in the rear if you file a claim.

Cliff

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1975 GMC  P8M4905A-1160    North Central Florida

"There are basically two types of people. People who accomplish things, and people who claim to have accomplished things. The first group is less crowded."
Mark Twain
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