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Old 06-21-2016, 02:25 PM   #11
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I am undergoing all of these challenges as well.

Once they see photos they deny my bus conversion.

What if I don't mention the conversion and just say I have a retired school bus that needs non-commercial basic liability insurance? It seems like you have to give certain information and not give certain information to interact with this system.

I like the idea by Bansil:

"1) you can pay a 1 yr "fine/fee" of $500 for a non-insured motorist, you will still be liable, but you can get it home"

I am looking to take some trips a few times a year, but for the most part this is my home parked on land.

HELP me keep this simple community. This feels maddening!

Thanks,

Matthew
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Old 07-05-2017, 05:21 PM   #12
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I'm in the throws of this.

I started with Progressive and filled out the policy info online. Got coverage, then received a cancellation notice a couple of weeks later.

Moved on to State Farm and after 6 weeks of having my info and pics they are telling me that they won't review till mid-July. No idea what the heck that's about.

Then talked to a GoodSam agent, sent pics. They denied saying I didn't have a kitchen and bath, so I sent more pictures and just received a denial today. The only reason given was, "it doesn't meet the requirements."

Now I am trying to Farmer's Insurance. Just sent pics.


I believe my problem is that I live in MD and they are telling the insurance companies it has to be a "professional conversation by an RV conversion company." So I mat be SOL unless I get some professional conversion company to vouch for me, and there are none around where I live to even do that.
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Old 07-05-2017, 05:34 PM   #13
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Quote:
Originally Posted by natedlee View Post
I'm in the throws of this.

I started with Progressive and filled out the policy info online. Got coverage, then received a cancellation notice a couple of weeks later.

Moved on to State Farm and after 6 weeks of having my info and pics they are telling me that they won't review till mid-July. No idea what the heck that's about.

Then talked to a GoodSam agent, sent pics. They denied saying I didn't have a kitchen and bath, so I sent more pictures and just received a denial today. The only reason given was, "it doesn't meet the requirements."

Now I am trying to Farmer's Insurance. Just sent pics.


I believe my problem is that I live in MD and they are telling the insurance companies it has to be a "professional conversation by an RV conversion company." So I mat be SOL unless I get some professional conversion company to vouch for me, and there are none around where I live to even do that.
Curious....

I have two buses insured with State Farm. In my case they are insured as commercial vehicles for personal use. When I am done with the conversion they will switch the insurance to RV. I did have to send pics showing that the seats were removed.

I went through the same process with my last bus and State Farm had no problem insuring it as an RV.

I hope your luck improves!!
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Old 07-05-2017, 05:40 PM   #14
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Originally Posted by PNW_Steve View Post
Curious....



I have two buses insured with State Farm. In my case they are insured as commercial vehicles for personal use. When I am done with the conversion they will switch the insurance to RV. I did have to send pics showing that the seats were removed.



I went through the same process with my last bus and State Farm had no problem insuring it as an RV.



I hope your luck improves!!


Do you have a commercial license?


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Old 07-05-2017, 05:42 PM   #15
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I also have a commercial policy. No commercial license or anything else, bus is registered as a bug for personal use.
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Old 07-05-2017, 06:01 PM   #16
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Do not mention that its been modified in any way. I went thru my car insurance. They had never insured a bus before.
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Old 07-05-2017, 07:52 PM   #17
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No CDL. It is not required unless I use the bus for commercial purposes. They are registered as RV's and insured as commercial vehicles FOR PERSONAL USE.

As for telling them about mods: They asked for pictures. I sent pictures. No further discussion on the subject.
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Old 07-05-2017, 08:19 PM   #18
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Originally Posted by PNW_Steve View Post
No CDL. It is not required unless I use the bus for commercial purposes. They are registered as RV's and insured as commercial vehicles FOR PERSONAL USE.

As for telling them about mods: They asked for pictures. I sent pictures. No further discussion on the subject.
Sounds like EXACTLY what I need. I am registered Motor Home in VT. I have a call out with Progressive this evening and they are supposed to call me tomorrow. A casual comment with my own insurance (USAA) is that the moment I put a bed in it I have to switch to a Personal RV policy. It's a freaking catch 22.
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Old 07-05-2017, 08:46 PM   #19
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Originally Posted by natedlee View Post
Sounds like EXACTLY what I need. I am registered Motor Home in VT. I have a call out with Progressive this evening and they are supposed to call me tomorrow. A casual comment with my own insurance (USAA) is that the moment I put a bed in it I have to switch to a Personal RV policy. It's a freaking catch 22.
IF USAA will insure as an RV it will likely be cheaper. My State Farm is a bit over $300 a year. If I recall, my insurance on my old bus was around half of that as an RV.

Good Luck.
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Old 07-05-2017, 09:01 PM   #20
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Originally Posted by PNW_Steve View Post
IF USAA will insure as an RV it will likely be cheaper. My State Farm is a bit over $300 a year. If I recall, my insurance on my old bus was around half of that as an RV.



Good Luck.


Well USAA farms those policies out to Progressive, bringing me full circle. :/ GoodSam would have been around $360 I guess.


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