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Old 12-28-2018, 04:49 AM   #1
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Class A Insurance Confusion

In the market to purchase a skoolie/shuttle. But of course I’m reading all the insurance issues.

My question is, Is there a difference between trying to insure a school bus and trying to insure a shuttle bus? I keep seeing them on Craigslist mostly used for transporting people in nursing homes etc so it’s just a bunch of bucket seats and some handicap areas.
Some have a wheel chair lift which I would remove.

I would plan to do a makeshift kitchen/bedroom but no bathroom.

Would I be in the same boat as trying to insure a converted regular school bus?



This is what I read on progressives website

Non-professional Bus Conversion—Class A

A class A non-professional bus conversion has the following characteristics:

Motor home facilities built into a Class A type bus shell, but does not include changes made to school buses or public transit buses, as these vehicles are unacceptable.

Conversion is performed by the owner of the vehicle.


Can someone explain what is considered a type A bus shell
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Old 12-28-2018, 09:03 AM   #2
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I think that they are referring to highway coaches like Prevost, Eagle or MCI.
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Old 12-28-2018, 10:38 AM   #3
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Old 12-28-2018, 10:45 AM   #4
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Originally Posted by PNW_Steve View Post
I think that they are referring to highway coaches like Prevost, Eagle or MCI.
I'm wondering about the line that says changes made to school buses or public transit buses are unacceptable.
I wonder what their definition of professional is. I own a fab shop and have 13 years of residential construction experience. As far as I'm concerned I'm a pro. Do they require "pros" to be part of RVIA or something?
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Old 12-28-2018, 11:04 AM   #5
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Originally Posted by o1marc View Post
I'm wondering about the line that says changes made to school buses or public transit buses are unacceptable.
I wonder what their definition of professional is. I own a fab shop and have 13 years of residential construction experience. As far as I'm concerned I'm a pro. Do they require "pros" to be part of RVIA or something?
They probably do.
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Old 12-28-2018, 02:03 PM   #6
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Originally Posted by JeyM View Post
Non-professional Bus Conversion—Class A

A class A non-professional bus conversion has the following characteristics:

Motor home facilities built into a Class A type bus shell, but does not include changes made to school buses or public transit buses, as these vehicles are unacceptable.
I'll guess they're referring not to bus types, but to the classes of motorhome:
  • class A has the outward appearance of a bus with a flat/vertical front end,
  • class B is a van body built into an RV,
  • class C has the outward appearance of a box truck having the engine compartment and cab provided by the chassis manufacturer, while the rest of the body is provided by the RV manufacturer.
So a "Class A type bus shell" probably means roughly "you began with a bus and built a Class A motorhome."
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Old 12-29-2018, 04:37 PM   #7
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I guess I should call an agent and get more info. I would love to tackle a diy bus vs getting an RV but I don’t want to spend a bunch of money and not be able to insure it properly
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