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Old 01-20-2018, 11:48 PM   #1
Mini-Skoolie
 
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Florida peeps! need help with insurance ASAPPP

I am 3 days away from purchasing a 02 E450 and I am running into serious problems so far! Apparently the E450 is only coming up as a commercial vehicle with the insurance people so they require me to get commercial insurance. but I'm not a business nor do I have a business so I have no idea how to proceed here.

Should I go the Vermont registering route? It has nice appeal to solve the short term issue of registering but insurance is the main necessity right now.

Please give me some insight!!
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Old 01-21-2018, 12:04 AM   #2
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Originally Posted by smiley View Post
I am 3 days away from purchasing a 02 E450 and I am running into serious problems so far! Apparently the E450 is only coming up as a commercial vehicle with the insurance people so they require me to get commercial insurance. but I'm not a business nor do I have a business so I have no idea how to proceed here.

Should I go the Vermont registering route? It has nice appeal to solve the short term issue of registering but insurance is the main necessity right now.

Please give me some insight!!
You get a "Commercial Policy for Personal Use"

Try Progressive Commercial.
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Old 01-21-2018, 12:17 AM   #3
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I have a V10 E450 shuttle bus not a school bus that I bought in Illinois. I got RV insurance possibly because my guy is cool. Everywhere I went I told them it was an RV. Same thing when I went to get my tags and showed them my RV insurance. No questions asked.
That's how I would go about it.
If you already have a vehicle or two and maybe some homeowners insurance with a company and are in good standing they probably want to help you out. That's my experience anyway.
I would not say to any insurance company that you're doing a self conversion.
When speaking to your insurance company say " I took all the seats out and threw a bed in the back. It's a recreational vehicle I'm going to use for camping in the summer."
Make it sound like you're hardly going to drive it. They'll assume little risk and you get cheaper insurance.
Good luck to you.
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Old 01-21-2018, 12:36 AM   #4
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You get a "Commercial Policy for Personal Use"

Try Progressive Commercial.
so I just got off the phone with Progressive commercial and they told me that they don't do "Commercial policy for Personal Use". needless to say, I was speechless when the agent said this and I'm back to square 1.

heelllppppp lol
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Old 01-21-2018, 12:37 AM   #5
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You need to be very careful on how you insure your bus or RV. Pulling the seats and throwing a mattress in the back does not constitute an RV, at least not with State Farm. It needs a running water, bathroom facilities of some sort, etc. I hate for someone to be involved in a accident and your insurance company telling you "Oh, this isn't what you described" and they don't cover the claim. Sure it's easy to pull the wool over the eyes of unsuspecting DMV or Insurance people to get you legal to go down the road, but you might find you shot yourself in the foot trying to skirt the correct way to do it.
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Old 01-21-2018, 12:51 AM   #6
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You need to be very careful on how you insure your bus or RV. Pulling the seats and throwing a mattress in the back does not constitute an RV, at least not with State Farm. It needs a running water, bathroom facilities of some sort, etc. I hate for someone to be involved in a accident and your insurance company telling you "Oh, this isn't what you described" and they don't cover the claim. Sure it's easy to pull the wool over the eyes of unsuspecting DMV or Insurance people to get you legal to go down the road, but you might find you shot yourself in the foot trying to skirt the correct way to do it.
I hear that! for now, I am just trying to get insurance so I can drive it home. My gf has insurance on her van but not me so I don't get the free 30 days of insurance with new vehicles.

I called Progressive again and the guy said that FL and VA are apparently the ONLY 2 states that they don't do the "Commercial policy for Personal Use"???
Super confused as to how everyone got this policy and it seems to be the only option, yet I've been denied twice by 2 separate reps.

Would LOVE some guidance/anyone know any insurance agents that can help me with this?
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Old 01-21-2018, 12:57 AM   #7
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Originally Posted by smiley View Post
so I just got off the phone with Progressive commercial and they told me that they don't do "Commercial policy for Personal Use". needless to say, I was speechless when the agent said this and I'm back to square 1.

heelllppppp lol
lol ... Yes they do.

Go online to progressive commercial.

Fill in the application, get a quote number and call the number listed on the website.
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Old 01-21-2018, 01:00 AM   #8
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lol ... Yes they do.

Go online to progressive commercial.

Fill in the application, get a quote number and call the number listed on the website.
I was lol'ing just as hard when he said it, I honestly thought it was a joke. but I called AGAIN and got a different guy. told me the same thing and I asked if it was a recent change. said its been this way for the 3 YEARS that he has been there.

not sure if they are coordinating this orrr...lol
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Old 01-21-2018, 01:09 AM   #9
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I shouldn't need a CDL for the E450 should I?
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Old 01-21-2018, 01:13 AM   #10
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I shouldn't need a CDL for the E450 should I?
Not if you are using it for personal use and not as a commercial enterprise. I don't see why that isn't just a heavy duty van.
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