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Old 04-29-2016, 08:12 PM   #41
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progressive will write COMMERCIAL policies for school busses for personal use.. now maybe they go back and see the titlae has been changed to an RV and assume its a converted skoolie which they claim to not insure..

I dont know if you guys are getting cancelled from COMMERCIAL progressive policies or RV policies?? be nice to know what policy type you had that they canned you on..

-Christopher
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Old 04-29-2016, 08:19 PM   #42
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Originally Posted by cadillackid View Post
progressive will write COMMERCIAL policies for school busses for personal use.. now maybe they go back and see the titlae has been changed to an RV and assume its a converted skoolie which they claim to not insure..

I dont know if you guys are getting cancelled from COMMERCIAL progressive policies or RV policies?? be nice to know what policy type you had that they canned you on..

-Christopher
Mine was a regular RV policy....what got me even more fuming was that the ID10T i was talking to when i called them to b1tch at them said "no, we won't be able to do a commercial for personal use on your vehicle" which i know to be a lie because many of you did it that way with Progressive.

At that point, i just told her to have a good day (i was hoping she would fall off her chair, minimum...) and hung up.

Too bad you can't really slam down a cell phone...unless you want to buy a new one
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Old 04-29-2016, 08:42 PM   #43
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Quote:
Originally Posted by skoolie_n00bie View Post
Mine was a regular RV policy....what got me even more fuming was that the ID10T i was talking to when i called them to b1tch at them said "no, we won't be able to do a commercial for personal use on your vehicle" which i know to be a lie because many of you did it that way with Progressive.

At that point, i just told her to have a good day (i was hoping she would fall off her chair, minimum...) and hung up.

Too bad you can't really slam down a cell phone...unless you want to buy a new one
my guess is once you get fully cancelled if you played dumb and called back and asked for a commercial policy they would write it....
-Christopher
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Old 04-29-2016, 08:45 PM   #44
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Specifically my title states it is a "MH" Motor Home. I know there is a different designation for a Private Motor Coach, and I think a RV.

I do not know if it will make any difference when it comes to insurance.

I have been calling around and I have found a few companies that say they "can" insure a private conversion but they want pictures of the finished bus. Mine is far from finished at this point.

I have been trying to make clear I want just Liability insurance, figuring they will be more inclined to insure me if they know they are not on the hook if the thing burns down. At least not for replacement value.

Having it titled as a MH did clear me of my Code Violation. Its all about the paperwork. If the title has a BUS in the box, it has to be moved. Change that title to say MH in that little box and I can leave it where its parked. Amazing.
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Old 04-29-2016, 08:56 PM   #45
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Originally Posted by cadillackid View Post
my guess is once you get fully cancelled if you played dumb and called back and asked for a commercial policy they would write it....
-Christopher
That's the plan....

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Old 04-29-2016, 08:57 PM   #46
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Originally Posted by Dana View Post
Specifically my title states it is a "MH" Motor Home. I know there is a different designation for a Private Motor Coach, and I think a RV.

I do not know if it will make any difference when it comes to insurance.

I have been calling around and I have found a few companies that say they "can" insure a private conversion but they want pictures of the finished bus. Mine is far from finished at this point.

I have been trying to make clear I want just Liability insurance, figuring they will be more inclined to insure me if they know they are not on the hook if the thing burns down. At least not for replacement value.

Having it titled as a MH did clear me of my Code Violation. Its all about the paperwork. If the title has a BUS in the box, it has to be moved. Change that title to say MH in that little box and I can leave it where its parked. Amazing.
Exactly. Once paperwork is all in order, "da man" can go suck a rotten egg....

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Old 04-29-2016, 09:19 PM   #47
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If you don't get the right answer, keep trying with different agents, or...

What underwriters told me to do was contact a local insurance agent. That's the little guy in a house converted to an office, sometimes. They usually have about 13 companies that they deal with and they hook you up with the... well, Progressive commercial for private use because it's the only one. They did take a couple pictures of the left and right quarter angles of the front exterior. Gotta love those tinted windows. The insurance agent said I taught her something new that day. That's a first for me, but it didn't get me any discounts. And the difference between our rigs is I am actually registered as a van. A huge van, but like a Chevy van. Skooby doo.
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Old 08-17-2016, 09:25 PM   #48
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Florida registration completed today.

This will reiterate the info kindly provided at the beginning of this thread.

I went to the tax office in Lake Wales (Polk County) a week ago with paperwork in-hand. The clerk was friendly and seemed to indicate that everything should go smoothly. She gave me a temporary tag so I could drive to a scale and get a weight certificate and told me to come back with it.

Returned today with my certificate and everything started going south. A different clerk, two supervisors, and someone in Tallahassee were all convinced that I needed to drive the bus to Tampa for an inspection in its completed state, which mine is nowhere near, and present receipts for all of the "parts" I used to assemble the vehicle. They claimed it was the only way to change the title. The problem was that they were reading from the wrong procedure document:
TL-43 APPLICATION FOR A CERTIFICATE OF TITLE FOR A MOTOR VEHICLE, MOBILE
HOME, MOTORCYCLE OR A TRAILER ASSEMBLED FROM PARTS
When I challenged this notion, stating that I certainly did not assemble anything from parts, they dug in. They claimed that adding the electrical or plumbing counted as adding parts, and that removing the seats constituted modifying the body. Ugh.

I had read this thread many months earlier and I suggested that the problem was that they were trying to apply the wrong procedure, that I was quite sure I had read a different procedure that applied.

The supervisor set aside my docs and allowed me to look up the procedures online on my phone.Ten minutes later I had located TL-13 and asked them to print it. I then read to them out loud, like some sort of evangelist, the following:

II. DOCUMENTATION REQUIRED AND SPECIAL INSTRUCTIONS:
F. Conversion Affidavit:
In the case of an individual converting their own vehicle and requesting to have the
identity changed on the title in order to have it registered and licensed as a recreational
vehicle, the customer must submit an affidavit to the tax collector. The affidavit must
certify that the unit has been converted to the extent to include one of the aforementioned
items to qualify it as a recreational vehicle

EXAMPLE:
This is to certify that I, ______________, owner of a (Year) __________,
(Make)_______, (VIN) ___________________, hereby request the vehicle be classified
as recreational vehicle for the following reason:
( ) Installed 110 volt electrical wiring
( ) Installed LP gas piping
( ) Installed plumbing system


This makes it clear that only one item of the three needs to be installed, and also eliminates the notion that the conversion must be completed or inspected.

After another thirty minutes or so on the phone with Tallahassee, they were unable to find a way to tell me 'no'.

Lessons:
1) This is a rare enough procedure that it seems most of the clerks/management are not familiar with it and will cling to the most restrictive procedure they know.

2) In addition to the required paperwork, print the TL-13 and bring it with you for reference. It will cut down on the confusion and delay--and the stress!
Both ladies I dealt with were pleasant and open-minded once I calmly insisted that there was another procedure that I was missing. Every time I've gone to a tax office in Florida I get the same friendly and helpful attitudes. They just didn't know what to do this time.

Additional note: If you own an old Florida tag, you can save over $200 by using it on your RV. I did not know this, but overheard something about it on my first visit. I took an old plate from a van that I sold back in 2008 off my garage wall and, sure enough, they gave me a credit for it. Who knew?

Here is the link (again) for the TL-13 procedure document pdf: http://www3.flhsmv.gov/dmv/Proc/TL/TL-13.PDF
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Old 08-17-2016, 11:27 PM   #49
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Buzzard, sorry to hear of your troubles.

I was being harassed by the local code enforcement, its not allowed to have a bus, which they classify as a commercial vehicle parked in my driveway.

I created my affidavit, took it to a local ship & mail and got it notarized. I stated we had a 110 volt system, which we did, basically.

I then took the notarized affidavit along with the full TL-13 documentation printed out (all 11 pages) and gave the whole mess to the woman at the tax office.

The people there had no clue as to what to do either. But they did read the papers and with limited discussion and delay they changed my title to read MH (motor home).

The code enforcement guy was satisfied, if not a bit puzzled, with the new title. As long as the paperwork says RV, or Motor Home we are not in violation of any codes.

I have found this is typical of most things I do. You must know what the person’s job is before you start. If you count on them to know what to do, you’ll run into trouble.

We are about two-thirds way through the conversion. The bus is not on the road and we have not driven it but up and down out street, maybe 100 feet. The only insurance companies that I have found want photos of the finished RV before they will give us insurance.

Thanks Buzzard for the tip on the license plate. As luck will have it we’ve got an extra one.

If anyone has any info on insurance for an “almost” completed conversion, I’d love to know.
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Old 08-17-2016, 11:44 PM   #50
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I'm just waiting for a campground to kick me to the curb because I don't have an RVIA sticker on my bus
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