Reply
 
Thread Tools Display Modes
 
Old 10-22-2007, 10:42 PM   #1
Skoolie
 
Train-train's Avatar
 
Join Date: May 2007
Location: Michigan
Posts: 100
Big insurance problem and so bummed about it.

My insurance agent wrote an application for insurance to fit what we both described what my skali was. I had insurance and went to get plates. It took some effort to get the Michigan SOS to find what we could call it and put plates on it so it is legal. I did prevail and was very pleased. Insurance for a motorhome at $257 a year and plates for $52 a year. We began taking out seats and discovering how we wanted to use our skali. After camping three times with it, it was evident that we wanted to keep it as open as possible. It already has tinted windows and track seating. Our idea was to throw down a cushion for beds and build cabinets to house tv, stereo, frig, and a microwave. We would use campground facilities for showers and restroom but we would have a portapot for emergencies. All the comforts we wanted would be on the bus and the necessities were addressed. We were in skoolie satisfaction.

A week ago, the insurance company sent us a letter informing us that our bus did not meet their standard so they wrote a policy for a commercial bus that was for $303 per six months. Man! That's $606 a year. More than double our initial endeavor. I quickly called my agent and he said that we should send in pictures of our renovations as this would name it as a proper motor home conversion. We put up curtains, made up beds and had our appliances in plain view. We just got word back to day that they want to see permanent walls, a bathroom, a sink with running water, a permanent stove and a built in frig. I'm doomed. I don't want any of that. It is plain to see in our pictures that we will not carry any number of people in our bus. It would seem like that should limit our liability as well as school buses being the safest vehicles out there. There is the issue of liability to other motorist, but that doesn't make sense that a manufactured motor home would have any less liability there.
At any rate I am going to have to pull my skoolie off the road. I could just insure it for the six months of the summer season but that really p-sses me off because I really wanted to take our skoolie to my Alabama in laws for Christmas.
Train-train is offline   Reply With Quote
Old 10-22-2007, 11:06 PM   #2
Bus Nut
 
phillbus914's Avatar
 
Join Date: Jul 2005
Location: Grand Rapids, MI
Posts: 786
Re: Big insurance problem and so bummed about it.

What insurance company was this? I never had this problem with progressive. If this company isn't happy to take your money, call around and give it to a different company. You are their customer, I wouldn't put up with this kind of service - call someone else.
__________________
My Old Bus :(
phillbus914 is offline   Reply With Quote
Old 10-22-2007, 11:20 PM   #3
Skoolie
 
Train-train's Avatar
 
Join Date: May 2007
Location: Michigan
Posts: 100
Re: Big insurance problem and so bummed about it.

Thanks Phillbus for your reply. The insurance company is Stat- farm. This agent has really tried to help us as he handles all of our vehicles as well as our home and property. And yes I have enquired around to other insurance agents and companies and all others can not find a company to insure it in any category. Progre--Ive was said to be unable to insure us because of some Michigan new rules. Another agent made pretty much the same call back. I have went to all the reliable insurance agents in the area. Online companies don't seem to produce any results either.
Train-train is offline   Reply With Quote
Old 10-22-2007, 11:41 PM   #4
Bus Geek
 
lapeer20m's Avatar
 
Join Date: Nov 2003
Location: near flint michigan
Posts: 2,653
Re: Big insurance problem and so bummed about it.

gmac insurance is more than happy to insure an old school bus you are or have converted to a motorhome. I have progressive now, but used to have gmac.
__________________
Quis custodiet ipsos custodes (who will watch the watchmen?)
lapeer20m is offline   Reply With Quote
Old 10-22-2007, 11:58 PM   #5
Bus Geek
 
the_experience03's Avatar
 
Join Date: Feb 2006
Location: Saint James, MN
Posts: 2,669
Send a message via MSN to the_experience03 Send a message via Yahoo to the_experience03
Re: Big insurance problem and so bummed about it.

I had no issues with State Farm, but my bus does have some of the stuff you listed, mostly because that is what I wanted, but also because of the state requirements for RV plates. Try GMAC, but if that doesn't work I guess I would suggest making it work to keep them happy. The mods required really don't need to take up that much space.




Ignore the temporary AC in the window and the propane cylinders used for an outdoor grill. You can see that an RV stove and a sink need not take up that much space. Heck, if you got creative you could build some counterspace that covered both when not in use.
__________________
http://farm4.static.flickr.com/3024/...09f20d39_m.jpg
Skooling it...one state at a time...
the_experience03 is offline   Reply With Quote
Old 10-23-2007, 12:02 AM   #6
Bus Nut
 
phillbus914's Avatar
 
Join Date: Jul 2005
Location: Grand Rapids, MI
Posts: 786
Re: Big insurance problem and so bummed about it.

Quote:
Originally Posted by Train-train
Progre--Ive was said to be unable to insure us because of some Michigan new rules. Another agent made pretty much the same call back.
Try the Drive insurance from progressive... you have to see a progressive agent, not the national 1-800 number. They insured me (a little over a year ago now) with no problems. Rates were very good, I think around $300/year. Sounds like Jason also has progressive, and we both live in Michigan.
__________________
My Old Bus :(
phillbus914 is offline   Reply With Quote
Old 10-23-2007, 04:22 PM   #7
Bus Nut
 
KC10Chief's Avatar
 
Join Date: Jun 2006
Location: Edmond, OK
Posts: 529
Year: 1993
Coachwork: Carpenter
Chassis: International
Engine: 7.3 International diesel
Rated Cap: 60
Re: Big insurance problem and so bummed about it.

I also have Drive insurance with Progressive. It is $190 a year. They also said that I had to have certain things done within a year or my rate would go up. I have to have a permanent toilet, sink, and a bed in there. I also had to remove the stop sign and paint it which I've done. I don't remember them saying anything about having to have a stove in it. I'm not planning on putting one in my bus. We're just going to have a fridge and microwave in our bus. I should have all my plumbing done this winter sometime.
__________________
Matt
1993 International Carpenter 10 Window bus
7.3L diesel w/AT545
http://i74.photobucket.com/albums/i2...DSC02426-1.jpg
KC10Chief is offline   Reply With Quote
Old 10-24-2007, 06:31 PM   #8
Skoolie
 
Train-train's Avatar
 
Join Date: May 2007
Location: Michigan
Posts: 100
Re: Big insurance problem and so bummed about it.

I am still running into a wall with insurance. My local Progressive agent started all the questions and finally asked outright " is your RV a converted school bus?" We answered yes it is converted. He then bluntly said. We will not insure converted school buses. We mentioned that we have friend in Michigan that have insurance for their bus through Progress Drive. He responded that their agents must have wrote the application to fake it. I am pissed! First, a school bus is the one of the safest vehicals on the road, why won't these insurance companies get on board and support skoolies?

Just so you all know. I am fourty-two years old. I have a current CDL. I have had two minor accidents both of which were determined to be the fault of the other participant. the first one was in college '87'. The second one was in '92'. I have no points and nothing I could even think of to have a insurance company be cautious of me. So what is it.

Pillbus, what do you think of the idea of me insuring my bus with your agent? Is there anything wrong with selling insurance to someone thats not local (I live in Sturgis). I certainly do not want to jepardize anything that you have. Let me know your thoughts.
Train-train is offline   Reply With Quote
Old 10-24-2007, 11:24 PM   #9
wtd
Bus Nut
 
wtd's Avatar
 
Join Date: Jun 2005
Location: California City, CA
Posts: 267
Year: 1982
Coachwork: Thomas TransitLiner
Re: Big insurance problem and so bummed about it.

Sounds like you need to stop trying to push the rope. Try GMAC as others have suggested here, if you haven't already.
They insured mine over the phone, not concerned with seeing it, pictures of it or descriptions of it. I told them I wanted to insure my motorhome, gave them the VIN and stuff, she asked if was a converted bus and I said yes and we just kept on going until she asked how I'd like to pay for this. When I hung up I had a policy number and was insured - took aobut 20 minutes.
Cost about $200 a year.
__________________
The Rolling Motel Room
Where DIY meets WTF
wtd is offline   Reply With Quote
Old 10-25-2007, 06:54 AM   #10
Skoolie
 
Train-train's Avatar
 
Join Date: May 2007
Location: Michigan
Posts: 100
Re: Big insurance problem and so bummed about it.

wtd,

I have contacted GMAC. I was very mindful of what I said. I always said RV or motor home. When defining category I told them ford, then they wanted by who. I am stuck I have to say thomas. They ask if it is a converted school bus. Yes it is. Then. either we can not insure it or we will give you a commercial rate.
Train-train is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Attachment problem BUSBOZO Forum Admin | Account Help | Suggestion Box 13 08-01-2014 02:53 PM
Onan problem chev49 Conversion General Discussions 0 05-01-2012 10:46 AM
Super Bummed...about towing jkindt On the Road | Travel, Trips, Camp Sites, Tailgates 10 06-16-2010 11:01 PM
No Skoolies, I'm bummed. Train-train On the Road | Travel, Trips, Camp Sites, Tailgates 7 08-20-2009 12:57 AM
SO Bummed out! Bus is dead..... GoneCamping Conversion General Discussions 91 08-07-2009 05:27 PM

» Virginia Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 02:55 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2017, vBulletin Solutions, Inc.