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Old 04-04-2018, 03:26 PM   #1
Mini-Skoolie
 
Join Date: Mar 2018
Location: Florida
Posts: 26
Year: 1998
Coachwork: Thomas
Chassis: Vista
Engine: T444e
Unhappy Florida Insurance Nightmare

Hi guys, relatively new to the forum and Skoolie life. Picked up our bus and have started the slow process of conversion, but we need to be able to drive the bus places occasionally. I am having an extremely difficult time getting this thing insured. We have been with Allstate for years, they said they don't insure anything like it. Tried Progressive, they said it can't be an old bus. Tried Good Sam, they told me the bus has to be completely converted before they'll insure it. I know this topic has been beaten to death but I feel at a complete loss here in regards to what I should do The bus is paid off and I have the title, we only paid $2,360.00
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Old 04-04-2018, 03:37 PM   #2
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Join Date: Feb 2018
Location: Pendleton Indiana
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Year: 2010
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Rated Cap: 81
Someone will chime in but I know Florida is a nightmare for this.
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Old 04-04-2018, 07:10 PM   #3
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Join Date: Jul 2016
Location: Central Florida
Posts: 881
Chassis: GMC or Chevrolet, I hope
Engine: gasser probably
My agent from allstate was able to find me rv insurance a while back. Real cheap too.
Try different agents and change your vocabulary, example camper vehicle, instead of bus.

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Old 04-04-2018, 07:14 PM   #4
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Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
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Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by oricha1984 View Post
My agent from allstate was able to find me rv insurance a while back. Real cheap too.
Try different agents and change your vocabulary, example camper vehicle, instead of bus.

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The main problem is that when they run a VIN# check, and they will, it will come up as a bus, or Incomplete Chassis, whatever the title says.

So it's important that you are prepared to meet the minimum requirements of your insurer for it to be an RV. This is often going to involve submitting photos, but is usually straightforward.

This is something they are well used to.
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Old 04-04-2018, 07:16 PM   #5
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Join Date: Jul 2016
Location: Central Florida
Posts: 881
Chassis: GMC or Chevrolet, I hope
Engine: gasser probably
Well, I just straight told him I just needed the minimum just to get legal and get a tag.
I think is just a matter of finding the right agent.
Gl

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Old 04-06-2018, 10:04 AM   #6
Mini-Skoolie
 
Join Date: Mar 2018
Location: Florida
Posts: 26
Year: 1998
Coachwork: Thomas
Chassis: Vista
Engine: T444e
Update: Tried everything suggested. I've been turned down by Allstate, Progressive, Geico, Foundation Insurance of FL, and Good Sam.
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Old 04-06-2018, 10:45 AM   #7
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Join Date: May 2016
Location: Minnehaha Co., SD
Posts: 519
Year: 1996
Coachwork: Amtran
Chassis: International
Engine: DT466
Rated Cap: 65
Quote:
Originally Posted by e90bmw View Post
Update: Tried everything suggested. I've been turned down by Allstate, Progressive, Geico, Foundation Insurance of FL, and Good Sam.
Progressive Commercial (same company, but the commercial division).

1-888-806-9598

Call and ask about "commercial coverage for personal use." Call the number and talk to a representative, don't do it online through the website.

Many people have done this successfully. Ours is about $40/month for liability.

Good luck. You can do this!
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Old 04-06-2018, 10:51 AM   #8
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by Drew Bru View Post
Progressive Commercial (same company, but the commercial division).

1-888-806-9598

Call and ask about "commercial coverage for personal use." Call the number and talk to a representative, don't do it online through the website.

Many people have done this successfully. Ours is about $40/month for liability.

Good luck. You can do this!
I did it online, through the website.

Got the quote and a quick 10 minutes on the phone got the policy.
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Old 04-06-2018, 11:47 AM   #9
Mini-Skoolie
 
Join Date: Mar 2018
Location: Florida
Posts: 26
Year: 1998
Coachwork: Thomas
Chassis: Vista
Engine: T444e
Quote:
Originally Posted by Drew Bru View Post
Progressive Commercial (same company, but the commercial division).

1-888-806-9598

Call and ask about "commercial coverage for personal use." Call the number and talk to a representative, don't do it online through the website.

Many people have done this successfully. Ours is about $40/month for liability.

Good luck. You can do this!
Quote:
Originally Posted by Twigg View Post
I did it online, through the website.

Got the quote and a quick 10 minutes on the phone got the policy.

Tried that. They wanted to know what type of commercial business or purpose the bus would be used for, and after i hesitantly meandered my way through those questions, the quote was not affordable, several hundred dollars a month.
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Old 04-06-2018, 11:49 AM   #10
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by e90bmw View Post
Tried that. They wanted to know what type of commercial business or purpose the bus would be used for, and after i hesitantly meandered my way through those questions, the quote was not affordable, several hundred dollars a month.
When the website asks you for the business type, just start to type "Perso "

and "Personal Use Only" appears as one of the choices.
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