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Old 06-28-2015, 06:07 PM   #1
Mini-Skoolie
 
Join Date: Jun 2015
Location: Colorado Springs, CO
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Do AAA or Coach-Net require skoolies to be "fully converted" for towing assistance?

I'm looking into getting a skoolie soon, but I don't intend on making it a fully-contained RV, meaning it won't have its own plumbing primarily. I'm totally fine with keeping it a non-commercial bus, and while I haven't yet found out the intricacies of titling such a vehicle here in CO, I was curious if anyone here knew whether or not AAA and/or Coach-Net required proof that the vehicle qualifies as an "RV", either via the title, or via physical inspection (pictures). I really want to have some sort of coverage plan, but I don't want to get hosed either!

I'd appreciate your thoughts, thanks!

-Dan
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Old 06-28-2015, 06:15 PM   #2
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heavy tow can be an add on to any insurance policy. no problem.

not converting it to an rv will be your issue. that will require a commercial driver's license and commercial insurance.
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Old 06-28-2015, 06:24 PM   #3
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...and getting (and maintaining) a CDL will cost more than meeting the minimum requirements to title as an RV.
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Old 06-28-2015, 06:30 PM   #4
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Quote:
Originally Posted by turf View Post
heavy tow can be an add on to any insurance policy. no problem.

not converting it to an rv will be your issue. that will require a commercial driver's license and commercial insurance.
That's where it gets difficult for me...apparently in CO I really have to title it as an RV, but yet I can't get insured through National General until there is photo evidence of a full conversion with plumbing, etc. I can get commercial insurance through Progressive for personal use (sounds bizzare but whatever), but I need to talk to them to find out if they care what's on the title...that's tomorrow's conversation.

To be honest, I don't really understand how all of this comes together, it seems like it's all one big legal gray area.

-Dan
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Old 06-28-2015, 06:32 PM   #5
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Quote:
Originally Posted by Polarweasel View Post
...and getting (and maintaining) a CDL will cost more than meeting the minimum requirements to title as an RV.
I suppose I could just go get a mini fridge and some sort of portable toilet, but I still have to have working electrical and plumbing as well. I do want electrical, but that will not happen for a little while (have to get through a move first), and I don't really intend on having much more than food prep area and fridge, without any real plumbing.

-Dan
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Old 06-28-2015, 07:17 PM   #6
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I am covered by Coachnet. I sent them nothing but the premium.

Here's a copy of a response from Coachnet:


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Old 06-28-2015, 07:21 PM   #7
Mini-Skoolie
 
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So the short answer is, it needs to be "fully contained", i.e. a legitimate RV in the eyes of Coach-Net. Am I right?

-Dan
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Old 06-28-2015, 07:51 PM   #8
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colorado is pretty easy.... look it up, it was something 4 of the following 6 things needed to be installed. read some threads, the info is out there.

i insured and titled mine in colorado. they only required you sign an affidavit that its there. and a vin check if its from out of state.
good luck
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Old 06-28-2015, 07:54 PM   #9
Mini-Skoolie
 
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Quote:
Originally Posted by turf View Post
colorado is pretty easy.... look it up, it was something 4 of the following 6 things needed to be installed. read some threads, the info is out there.

i insured and titled mine in colorado. they only required you sign an affidavit that its there. and a vin check if its from out of state.
good luck
I realize I'm causing a bit of topic drift here, but would you mind sharing who you insured with in CO? Did they require a "full conversion"? That's the trouble I'm finding with insurance, they all want pictures of a full-on RV, which I won't ever be doing.

Thanks,
Dan
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Old 06-28-2015, 08:15 PM   #10
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I have both coach-net, and CAA (AAA) , and both said ''self contained'' .
I'm not sure about good sam, you can try them.
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