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Old 05-07-2019, 05:40 PM   #1
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Indiana Insurance Woes

Hello! New member here, but my husband has been a quiet member for a couple of years now. I've searched the forum for a couple of days looking for help or answers on our quandry, and nothing really seems to fit our exact problem.

We are moving from Indiana to Montana in 2-3 weeks. The exorbitant costs of renting a Uhaul with tight time constraints was going to be painful. So we just purchased our first bus, a 1999 International, for about the same price that renting a Uhaul truck for less than a week was going to cost us. Rip out the seats, make some room, voila...house mover! It even comes with a handy wheelchair lift for the heavy lifting!

Through some shenanigans by the previous owner, it's already had the hard work done of being titled as an RV. That said, we're struggling to find insurance for it. I feel like I've called everyone and no one seems willing to insure it as an RV, even though it is currently titled by the State of Indiana as...an RV. And those same people don't seem to want to insure it as "commercial for personal use" because of the RV title.

It is already satisfying several requirements that some of the agents have talked about: new paint job, flashing lights and stop arm removed...but it does still have all of the seats and no actual "living quarters" thus far.

Our current insurance company, who sources the best rates from companies all over couldn't help.

Farm Bureau said they would require it to have a functioning kitchen/bathroom as well and even then couldn't guarantee the underwriters would go for it.

State Farm wouldn't touch it, but the agent I spoke with did thank me for the most exciting day he's had in a while.

Nationwide wouldn't really even discuss it, but did give me the number for National General.

National General requires 6 pictures (front, back, both sides, inside fore and aft views). And I guess we could continue the tomfoolery and send in pictures of a finished bus that isn't ours, but I hate the thought of being dishonest.

My husband isn't opposed to buying a folding camp kitchen with a foot pump sink/toilet and a propane camp stove. But at this point in packing up and moving, I don't want to spend money and waste space on something I don't want to move across the country...just for insurance. And watch that not even be good enough. lol

Anyone else have any novel ideas to get this lovely insured so we can bring it home, have the title transferred to our name, have it plated, and be legal to drive it across the country?





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Old 05-07-2019, 05:48 PM   #2
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Your running into the issue I warn about when transferring title to RV. DMV apparently believes anything anyone will tell them. Unfortunately the insurance company has a financial stake in it and will require pics or inspection of a completed conversion. I think any DMV agent who changes a title to RV without knowing the 4 of 6 requirements have been met, should be fired on the spot.
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Old 05-07-2019, 05:48 PM   #3
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Quote:
Originally Posted by BigSkyWren View Post
Hello! New member here, but my husband has been a quiet member for a couple of years now. I've searched the forum for a couple of days looking for help or answers on our quandry, and nothing really seems to fit our exact problem.

We are moving from Indiana to Montana in 2-3 weeks. The exorbitant costs of renting a Uhaul with tight time constraints was going to be painful. So we just purchased our first bus, a 1999 International, for about the same price that renting a Uhaul truck for less than a week was going to cost us. Rip out the seats, make some room, voila...house mover! It even comes with a handy wheelchair lift for the heavy lifting!

Through some shenanigans by the previous owner, it's already had the hard work done of being titled as an RV. That said, we're struggling to find insurance for it. I feel like I've called everyone and no one seems willing to insure it as an RV, even though it is currently titled by the State of Indiana as...an RV. And those same people don't seem to want to insure it as "commercial for personal use" because of the RV title.

It is already satisfying several requirements that some of the agents have talked about: new paint job, flashing lights and stop arm removed...but it does still have all of the seats and no actual "living quarters" thus far.

Our current insurance company, who sources the best rates from companies all over couldn't help.

Farm Bureau said they would require it to have a functioning kitchen/bathroom as well and even then couldn't guarantee the underwriters would go for it.

State Farm wouldn't touch it, but the agent I spoke with did thank me for the most exciting day he's had in a while.

Nationwide wouldn't really even discuss it, but did give me the number for National General.

National General requires 6 pictures (front, back, both sides, inside fore and aft views). And I guess we could continue the tomfoolery and send in pictures of a finished bus that isn't ours, but I hate the thought of being dishonest.

My husband isn't opposed to buying a folding camp kitchen with a foot pump sink/toilet and a propane camp stove. But at this point in packing up and moving, I don't want to spend money and waste space on something I don't want to move across the country...just for insurance. And watch that not even be good enough. lol

Anyone else have any novel ideas to get this lovely insured so we can bring it home, have the title transferred to our name, have it plated, and be legal to drive it across the country?





take out the seats and register it as a van? ( window van, moving van ) ???
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Old 05-07-2019, 06:00 PM   #4
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Give Progressive Commercial a call and ask to insure it as Commercial for Personal Use. This is what we did. We've only got liability, but at least it's legal. Call and talk to a person (and make sure to call Progressive Commercial, not regular Progressive) instead of doing it online. Some people have reported not being able to do this online, only over the phone.
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Old 05-07-2019, 10:09 PM   #5
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and when you talk to progessive commercial, do not mention RV to them, they do not care what the title says, won't even ask, but if you say RV, they will not talk to you, tell them you are using it as a personal truck like I did, since I do
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Old 05-08-2019, 10:49 AM   #6
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See my link below..... do you know anyone in TN, GA, MS, or AL that you could register your bus in that state using their address? If so I can get you sorted. private msg me even if you just have ins questions in your state happy to help.
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Old 05-08-2019, 11:13 AM   #7
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Originally Posted by HappyInTN View Post
See my link below..... do you know anyone in TN, GA, MS, or AL that you could register your bus in that state using their address? If so I can get you sorted. private msg me even if you just have ins questions in your state happy to help.
No, sorry! I don't have any friends or family in any of those states. But I'm so glad that you've been able to help so many people here, I think you should start a whole subgroup at your insurance symposiums. It shouldn't be this hard, I'm trying to give them my money, they should be grateful and do some business. :P

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Old 05-08-2019, 11:56 AM   #8
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I have progressive. and have since 2016.. dont offer information.. and "yes its a bus" when they ask and all is good.. and it is a bus.. you arent camping in it. and its not converted.. you will be covered in event of accident..



dont go online and get a progressive commercial quote.. CALL THEM.. and talk to a live person.. (again its commercial)... your bus is an international 3800..


use your indiana address to insure it at... then once you get moved if you decide to keep the bus then insure it at the montana address and convert it or drive it to starbucks(like I do) or such... if you are just goingto sell it.. then sell it and call progressive and see if they will pro-rate your insurance back..
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Old 05-08-2019, 11:56 AM   #9
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also if you know anyone in Ohio, progressive commercial insures me and. my 3 busses. here just fine. an ohio address would work
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Old 05-08-2019, 12:04 PM   #10
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Just called Progressive Commercial and got a solid, "No, we don't insure those types of vehicles in your state. I'm not saying you're one of these, but we have people using these buses that have been converted and are living out of them and we just don't insure that. Without it being for a business we can't insure it. But here let me email you this list of agents in your area that should be able to help you out."

I never said a thing about living in it, I never mentioned RV anything. I simply stated I wanted a commercial for personal use policy on a bus we just bought. He asked what I was going to use it for, I stated to move furniture, which is the honest truth. If it does get converted it'll be years down the road (I didn't tell him that).



Edited to add: So I guess this weekend, instead of doing things we should be doing to work on moving, we're going to be ripping seats out and mocking up a kitchen, bathroom, and sleeping arrangements and hoping that National General will find it acceptable. If anyone has them, can you enlighten me as to what exactly they're looking for? I'm afraid to call back and jinx it. lol
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